Smart Property Investment Podcast Network

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Eva Loisance from Finni Mortgages to discuss how shifting lender strategies and policies are creating opportunities for both self-employed and conventional property investors. Eva highlights that lenders are increasingly offering lower fixed and variable rates outside of the Reserve Bank of Australia’s cycle to attract and retain customers, creating opportunities for borrowers to negotiate better terms. Fixed-rate mortgages, while attractive, require careful consideration, with strategic timing essential for switching between fixed and variable options. Innovations in the SMSF lending space, including 90 per cent loans without lender’s mortgage insurance, reflect a competitive environment benefiting borrowers, particularly those with limited superannuation funds. Eva points out that changes in serviceability assessments, such as using rolling 12-month bonus averages and simplified borrowing criteria for self-employed individ