607 | The Best Lending Structure Today (In the New Negative Gearing Era)
Published: July 23, 2026
Duration: 1:03:58
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-year, and the lending data driving it all.
How lenders scrambled to rewrite borrowing power calculators within days of Budget night — some borrowers lost up to $160K in...