Episode 35 - Rates, Rentvesting & Real Talk: Property Finance Panel Insights

In this special panel edition of Finance This Property, That, host Dion Fernandez is joined by a powerhouse group of finance professionals for an energetic and informative discussion on the latest shifts in the property and lending space. With expert insights into the recent RBA rate cut, stamp duty exemptions, LMI waivers, and the evolving strategy of rentvesting, this episode delivers actionable advice for first home buyers, property investors, and anyone navigating today’s market.

Packed with client scenarios, lending policy updates, and award-worthy banter, this episode sheds light on what’s really happening in the property market, how to structure debt smartly, and why rentvesting may be the unexpected key to wealth-building.

📌 Episode Breakdown

00:00 – 03:00 | Welcome & Setup
Dion introduces the panel, shares his mission for generational financial education, and sets the stage for today’s conversation focused on recent market changes.

03:01 – 09:30 | The RBA Rate Cut: What It Means

• Impact of the 0.25% cut
• Sentiment shift among clients
• Why borrowers shouldn’t rush to change repayments
• Bank responses and timing of rate adjustments

09:31 – 13:30 | Borrowing Power & First Home Buyers

• Small rate change, small boost to borrowing capacity
• Transparency challenges with first home buyers
• Why better policy thresholds are needed for grants and waivers

13:31 – 17:30 | Stamp Duty Waivers & QLD Policy Shifts

• New QLD exemptions for owner-occupied new builds (no price cap)
• $85K stamp duty savings example
• Broader access to buyers agents, builders & strategists

17:31 – 23:00 | Market Confidence & Refinancing Real Talk

• Rate cut as a psychological relief
• When refinancing makes sense—and when it doesn’t
• How banks are handling retention and what brokers advise

23:01 – 27:00 | LMI Waiver Expansions & Lending Policy Shifts

• More professions eligible (nurses, paramedics, police, etc.)
• 95% LVR LMI-free loans
• How these changes impact investment structuring

27:01 – 34:00 | Rentvesting: Strategy, Flexibility & Real Examples

• Why brokers are choosing to rentvest
• Client case studies and yield comparisons
• How rentvesting can increase borrowing power and reduce pressure
• Ideal for singles, those living at home, or young investors

34:01 – 36:00 | Award Nominations & Wrap-Up

• The Emerge Finance team is up for 6 major awards
• Industry recognition for innovation, mentoring, customer service, and thought leadership
• Final thoughts, social media plugs, and what’s coming next

✨ Why Listen?

This episode is a must for:

• First-time buyers seeking clarity in a shifting landscape
• Rentvestors looking to maximise returns with smarter strategies
• Property investors curious about how lender policy changes affect them
• Finance professionals wanting to hear how top brokers are navigating the market

Tune in for real talk, real numbers, and real solutions—all in under 40 minutes.