{"version":"1.0","type":"rich","provider_name":"Acast","provider_url":"https://acast.com","height":250,"width":700,"html":"<iframe src=\"https://embed.acast.com/$/62fa0d8926f5af001280299c/6977f7da689e1e8026377425?\" frameBorder=\"0\" width=\"700\" height=\"250\"></iframe>","title":"803 lending landscape: bank appetite, trust lending, self-employed, fixed vs variable + more with Joe Carroll","description":"<p>In this episode, Rach is joined by one of Australia’s top mortgage brokers, Joe Carroll from Sphere Home Loans, to unpack what’s really happening in the lending landscape right now. They discuss:</p><p><br></p><p>👉🏾 the current lending landscape as at January 2026</p><p>👉🏿 Joe's tips to multi-investors</p><p>👉🏻 APRA, DTI limits &amp; what it really means for investors</p><p>👉 the trust &amp; company lending shake-up explained</p><p>👉🏼 the power of getting valuations and unlocking equity</p><p>👉🏽 Joe's tip for first-time property buyers</p><p>👉🏾 increased flexibility for self-employed people</p><p>👉🏿 rate rise expectations &amp; should you fix?</p><p>👉🏻 negotiating your own rate with the bank</p><p>👉 Joe's final advice for investors</p><p><br></p><p>Have a question for John and Rachelle? Connect with Rachelle on Instagram:<a href=\"https://www.instagram.com/rachellekroon_money/\" rel=\"noopener noreferrer\" target=\"_blank\"> https://www.instagram.com/rachellekroon_money/</a> or post in our Facebook group:<a href=\"https://www.facebook.com/groups/m3.podcast\" rel=\"noopener noreferrer\" target=\"_blank\"> https://www.facebook.com/groups/m3.podcast</a></p><p><br></p><p>We're on Youtube! Subscribe to this is property:<a href=\"https://www.youtube.com/@thisisproperty\" rel=\"noopener noreferrer\" target=\"_blank\"> https://www.youtube.com/@thisisproperty</a></p><p><br></p><p>Need clarity on your property situation? Book a clarity call with John Pidgeon:<a href=\"https://www.solverewealth.com.au/\" rel=\"noopener noreferrer\" target=\"_blank\"> </a><a href=\"https://www.solverewealth.com.au\" rel=\"noopener noreferrer\" target=\"_blank\">https://www.solverewealth.com.au</a></p><p><br></p><p>Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out <a href=\"https://www.spherehomeloans.com.au/\" rel=\"noopener noreferrer\" target=\"_blank\">https://www.spherehomeloans.com.au/</a></p><p><br></p><p>We hate email spam so we don’t create it! <a href=\"https://email.moneypodcast.com.au/\" rel=\"noopener noreferrer\" target=\"_blank\">Sign up to our newsletter</a> to get only the valuable money, careers and property info you need.</p><p><br></p><p>To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), <a href=\"https://www.moneypodcast.com.au/mmmshownotes\" rel=\"noopener noreferrer\" target=\"_blank\">click here</a>.</p>","author_name":"John Pidgeon & Rachelle Kroon"}