THE PROPERTY NERDS: 95% LVR v 85% LVR: Which one is better?

Lenders are counting more rental income and expanding high-LVR options, potentially giving investors more buying power just as spring activity picks up.

On The Property Nerds podcast, Arjun Paliwal and Jack Fouracre discuss lending changes that could improve investor borrowing capacity and create new opportunities in the spring market.

Fouracre explains how some lenders are reducing rental income shading and expanding access to 95 per cent loan-to-value ratios, while Paliwal outlines how the changes could help investors stretch their capital across more purchases.

The pair also examine how borrowing power has recovered from post-budget restrictions, alongside options for refinancing and potentially recovering part of lenders mortgage insurance costs as equity builds.

With investor enquiries rising in September, Paliwal and Fouracre discuss the role of seasonality, market sentiment, and cash buffers in buying decisions, while weighing the possibility of further rate cuts against the risks of taking on too much debt.