·S4 E30

Stop Doing This With DTI: Smart Finance Moves Most Investors Miss

Dec 22, 2025

24 mins

Episode Description

In this data driven episode, Arjun, Jack and Adrian break down the real lending shifts shaping Australia’s property finance landscape, from rising DTI limits to the new investor lending cap that could shake the market.

Whether you’re a first time investor or scaling your portfolio, this episode unpacks how finance policies, trust structures and bank rules are quietly changing the game and how to position yourself before they hit your bottom line.

We cover:

The mindset mistake most investors make with DTI limits
Why paying LMI can actually save you thousands
How Apple’s 20% investor lending cap could reshape the banks
The “policy X factors” your broker might not even know about
How to use changing finance rules to unlock your next deal

Timestamps:

02:17 - What APRA’s proposal actually targets

03:01 - Brokers & non banks take centre stage

04:45 - DTI 101 with rentvesting

06:10 - Common DTI misconceptions

11:07 - Hitting goals under DTI ≤6

13:36 - LMI waivers + 1% assessment buffers

15:05 - 40-year loan terms

16:59 - LMI 101: cost & structures"

20:12 - Move purchases forward, compound faster

If you’re serious about building wealth through property, understanding finance strategy is non negotiable. Watch this episode to learn how to make the new lending landscape work for you.

CONNECT WITH THE PROPERTY NERDS:

Instagram:https://www.instagram.com/thepropertynerdspodcast/

TikTok: https://www.tiktok.com/@thepropertynerdspodcast

CONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/

Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

Instagram: https://www.instagram.com/arjpaliwal/

Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/