Episode Details

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 capacity overnight 
• Why majors and smaller lenders are treating investment debt so differently 
• What AFG's lodgement data really reveals about first home buyers, upgraders and investors 
• The shift toward interest-only loans as borrowers protect negative gearing and build buffers 
• Why this cautious market might be the smartest time for new investors to prepare — and what "prepared" actually means 

Tune in to hear the conversations happening behind closed doors right now. 

RESOURCES MENTIONED

• Free Webinar: New vs Established Property — What Should You Buy in Today's Market? 🎙️
  The rules have changed. Should your strategy? Join us live to unpack the real numbers behind buying new vs established in today's market.
  📅 Tuesday, 28 July 2026, 7:30pm AEST
  👉 Register free 
• Free Borrowing Power Calculator 💰
  Curious what you could actually borrow right now? Run your numbers through Moorr's latest feature and get clarity in minutes. 
  👉 Get financial clarity now  
• Free Personalised Lending Chat 📞
  Want to know exactly where you stand? Have a free, no-obligation chat with our team and get a lending assessment tailored to you.
  👉 Book your free chat today. 
   
• Between rate rises and rewritten legislation, it's a lot to keep up with. Got a question?👉 We've got you! Send it in for our upcoming Q&A Day >>  
   
• Resources from this week’s episode  
  • Ray White: Open homes are quieter, but attendance may be stabilising 
  • Westpac-MI Consumer Sentiment July 
  • AFG brokers lodge $28.1 billion in home loans in Q4 FY26 
  • The Advisor:  
    • FHB pullback almost as steep as investor retreat 
    • Majors’ share slips as Westpac tops AFG lodgements 
  • Broker Daily: Westpac forecasts slump in investor activity following budget 

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉