Is Investor Activity Set to Fall?
Australia's property investors are facing a double headwind in 2026 - and the latest lending data confirms the retreat has already begun....
Every lender wants to minimise their risk, which means they’re going to take a close look at your finances when you apply for a loan.
Increase your chances of qualification by following these tips:
1 – Make Sure It’s Genuine Savings
Lenders want to see that you’ve saved your deposit yourself.
They will look at your last three to six months of savings. If yours don’t show consistent saving towards the deposit, you may be in trouble… Unless you’re renting right now.
We have access to lenders who consider your rent payments as part of your savings!
2 – Clean Up Your Spending
One of our clients was applying for a loan when his account showed a weekly expense of $25. It was for a weekly lunch for him and his partner.
This shows how much detail lenders go into when looking at your expenses.
3 – Check Your Credit File
Your credit score has a huge impact on your chances of getting approved. Every lender looks at it, which means you need to know what your credit file looks like.
Investors Choice Mortgages can help you with your loan, finance, tools and resources to suit your strategy. Feel free to book a time to talk with one of our mortgage broker experts https://investorschoice.com.au/bookatime
Australia's property investors are facing a double headwind in 2026 - and the latest lending data confirms the retreat has already begun....
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