The Property Couch
The Property Couch
Ben Kingsley, Opti & The Couch Crew
607 | The Best Lending Structure Today (In the New Negative Gearing Era)
1 hour 3 minutes Posted Jul 23, 2026 at 4:00 am.
607 | The Best Lending Structure Today (In the New Negative Gearing Era)
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Setting the scene: a market in shock
What consumer sentiment is really telling us
Budget night broke the calculators
How much borrowing power did people actually lose?
Who's really buying right now?
Did the Budget actually help first home buyers?
The quiet shift to interest-only loans
The offset account trick most investors miss
Introducing "livevesting"
Busting the redraw vs offset myth
Good lending hygiene at the top of the cycle
What happens if negative gearing rules change again?
Is now a good time for first home buyers?
Fearful market, smartest opportunity
Getting structured to move fast
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Show notes
Two months on from the Budget's negative gearing and CGT changes, the data is telling a clear story. In our latest episode, Ben sits down with couch crew Luke Oxenham, investment-savvy mortgage broker, and Polly Chu, Qualified Property Investment Advisor, both fielding real client conversations daily. Together, they're unpacking what's actually happening on the ground: auction clearance rates stuck below 50% for weeks (the worst run since 2018), open home attendance down 43% year-on-yea...