2026 is shaping up to be a rate-sensitive year. If mortgage settings shift again, your borrowing capacity becomes the real asset, not your deposit.

Book a free 30-min discovery call: https://f.mtr.cool/rakerpzmeo

#propertyinvestmentaustralia #firsttimeinvestor #borrowingcapacity #positivecashflow

From 1 Feb 2026, banks can only have up to 20% of new loans in each bucket.

Want to know where you sit and what to change before you apply? Book a free 30-min discovery call now: https://f.mtr.cool/ikouzmouip

#apra #debttoincome #borrowingcapacity #homeloans #firsthomebuyer