With lending rules constantly evolving, many buyers and investors are left wondering whether they can still move forward — or whether finance is now off the table altogether.

In this episode of Property Investing Roadmap, host Damian Collins breaks down what’s really happening in the lending landscape and what today’s changes mean for borrowers looking to buy, invest or refinance.

Driven by a listener question around borrowing through trusts and companies, Damian is joined by Max Miorada, Senior Credit Advisor at Momentum Wealth and one of Australia’s top 1% mortgage brokers by volume.

With more than $112 million in loans settled last year alone, Max brings frontline insight into how lenders are currently assessing borrowers, how debt‑to‑income ratios are applied, and why structure matters more than ever in today’s market.

This episode strips back the media noise to explain how lending actually works behind the scenes — and how investors can position themselves to keep moving forward despite tighter conditions.

What you’ll learn:

• How the lending landscape has changed over recent years
• Whether borrowing through a trust or company is still possible
• Why lenders assess trusts and companies differently to individuals
• How negative gearing works — and why it’s often lost inside entities
• The real impact entity lending can have on borrowing capacity
• When trusts can make sense — and when they can block portfolio growth
• The difference between tax efficiency and borrowing efficiency
• Why structure should be decided before buying property
• How debt‑to‑income (DTI) ratios are calculated by lenders
• Why actual cash flow and bank serviceability often don’t align
• Differences between major banks, non‑banks and private lenders
• How interest rate buffers affect borrowing — even on fixed loans
• The pros and cons of fixing versus staying variable
• How offset accounts work and why investors should use them
• How lenders assess self‑employed income
• Why timing matters when changing employment status
• What successful investors do differently when finance becomes tight

FREE RESOURCE

Confused by lending changes and borrowing limits?
Learn how Momentum Wealth helps investors structure debt, maximise borrowing capacity and navigate changing bank policies with confidence.
👉 Insert relevant guide or blog link here

FOLLOW US

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

Website:
https://www.momentumwealth.com.au

LinkedIn:
https://linkedin.com/company/momentum-wealth

SUPPORT FOR INVESTORS

Looking for professional guidance on diversification, interstate investing or blending residential with commercial property?
Explore the tailored support available through Momentum Wealth and Westbridge Funds Management:
http://www.momentumwealth.com.au/

T&Cs

The information shared on Property Investing Roadmap is general in nature and does not take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional advice before deciding whether to invest.
This episode’s guest is a representative of Momentum Wealth Finance.

Buying property through a self‑managed super fund can be powerful — or disastrous — depending on how (and why) it’s done.

In this episode of Property Investing Roadmap, host Damian Collins unpacks one of the most complex and misunderstood strategies investors consider: holding property inside a self‑managed super fund (SMSF).

Guided by a listener question, Damian is joined by Katie Timms, National Director of Superannuation & SMSF Services at RSM Australia, to break down when this strategy works, when it doesn’t, and what investors must understand before taking the plunge.

With decades of experience advising SMSF clients across residential, commercial and fund‑based property, Katie explains the rules, risks, structures and compliance obligations that many investors only discover after it’s too late.

This episode cuts through the hype to explain how SMSFs really work, why mistakes are so costly, and how property can (or can’t) fit into a long‑term retirement strategy.

What you’ll learn:

• What a self‑managed super fund is — and why control is both a benefit and a burden
• The key pros and cons of investing through an SMSF
• Why SMSFs are the most heavily regulated investment structure in Australia
• Annual compliance, audit and valuation obligations investors must meet
• The sole purpose test — and why holiday homes and personal use are strictly off‑limits
• Why arm’s‑length terms, market rent and formal leases are critical
• How limited recourse borrowing arrangements (LRBAs) work
• The role of bare trusts and why structure must be set up before you buy
• How SMSF rules differ for residential versus commercial property
• Common (and costly) mistakes investors make with SMSFs

Why SMSFs are not “the next step” for everyone

FREE RESOURCE

Want help building a diversified property portfolio aligned to your goals?
Discover how Momentum Wealth helps investors design, acquire and manage property portfolios with long‑term performance in mind.
Investor Pack - Momentum Wealth

FOLLOW US

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

Website:
https://www.momentumwealth.com.au

LinkedIn:
https://linkedin.com/company/momentum-wealth

SUPPORT FOR INVESTORS

Looking for professional guidance on diversification, interstate investing or blending residential with commercial property?
Explore the tailored support available through Momentum Wealth and Westbridge Funds Management:
http://www.momentumwealth.com.au/

T&Cs

The information shared on Property Investing Roadmap is general in nature and does not take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional advice before deciding whether to invest.
This episode’s guest is a representative of RSM Australia. References to SMSFs are general in nature and do not constitute personal financial advice.

Putting all your eggs in one basket can limit your growth — and expose your portfolio to unnecessary risk.

In this episode of Property Investing Roadmap, host Damian Collins dives deep into property portfolio diversification and why owning the right mix of assets matters more than simply owning more properties.

Joined by Robin Ram, Department manager – Property Advisory, Acquisition & Research at Momentum Wealth, this conversation unpacks how investors can spread risk across locations, property types and market cycles to build portfolios that perform through different economic conditions.

From geographic diversification and dwelling selection, to navigating interstate investing, tenant legislation and even blending residential with commercial property, this episode provides a practical roadmap for investors at every stage — from first purchase to long‑term portfolio scaling and retirement planning.

What you’ll learn:

• What diversification really means in a residential property portfolio
• Why buying multiple properties in the same suburb or city increases risk
• How geographic diversification can smooth growth across market cycles
• The pros and cons of investing interstate
• Key differences in tenancy laws, compliance and holding costs between states
• How land tax, minimum standards and legislation can impact cash flow
• Why property type diversification matters (land, houses, apartments, development sites)
• How oversupply and investor-heavy suburbs affect rental performance
• The importance of tenant demand, liveability and owner-occupier appeal
• Common mistakes investors make when diversifying without proper research
• Why “top 10 suburb” lists can be misleading
• How to manage the risks of investing in locations you can’t physically visit
• Practical tools to monitor and protect interstate investments
• The role of landlord insurance and professional property management
• When it may make sense to diversify into commercial property
• Key differences between residential and commercial risk, return and vacancy
• How commercial property funds can offer diversification at lower entry points
• Why diversification strategies evolve as investors approach retirement

FREE RESOURCE

Want help building a diversified property portfolio aligned to your goals?
Discover how Momentum Wealth helps investors design, acquire and manage property portfolios with long‑term performance in mind.
Investor Pack - Momentum Wealth

FOLLOW US

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

Website:
https://www.momentumwealth.com.au

LinkedIn:
https://linkedin.com/company/momentum-wealth

SUPPORT FOR INVESTORS

Looking for professional guidance on diversification, interstate investing or blending residential with commercial property?
Explore the tailored support available through Momentum Wealth and Westbridge Funds Management:
http://www.momentumwealth.com.au/

T&Cs

The information shared on Property Investing Roadmap is general in nature and does not take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional advice before deciding whether to invest.
This episode’s guests are representatives of Momentum Wealth Property Advisory Pty Ltd, Licensed Real Estate and Business Agent A82976.