Tight lending and rising pressure: Will your strategy hold up?

As rates climb, lending tightens, and investment strategies shift, will you be caught off guard or ready to capitalise? In The Smart Property Investment Show, Phil Tarrant and Eva Loisance from Finni Mortgages discuss how investors are reassessing borrowing capacity, cash flow, and risk as rate rises loom and lenders adjust expectations. The experts note a clear divide, with some investors taking a wait-and-see approach while others look to act on emerging opportunities supported by schemes such as low-deposit lending options. The pair also highlight growing concerns about how younger investors are receiving financial advice, with an increasing reliance on social media and artificial intelligence (AI) raising serious questions about accuracy and decision-making. As the market continues to change, Loisance urges investors to work with qualified professionals to cut through the noise, with those who adapt, learn, and seek expert advice best positioned to win. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook , X (formerly Twitter) and LinkedIn . If you would like to get in touch with our team, email editor@ smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

You can listen to Tight lending and rising pressure: Will your strategy hold up? online on Radio and Podcast. Open the player on this page to stream the available audio.

Tight lending and rising pressure: Will your strategy hold up? is an episode from Property Investment Podcast Network by Momentum Media.

This episode is 52:31 long.

This episode was published on Apr 13, 2026.

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