Borrowing capacity is one of the most important and misunderstood parts of property investing in Australia. In this episode of The Property Punch Podcast, we break down exactly how much you can borrow for an investment property in 2026, and why your borrowing power might be lower (or higher) than you expect.

If you’ve ever wondered…“I earn good money, so why can’t I borrow more?”

This episode gives you the clarity you need.

We go beyond surface-level advice and explain how lenders actually assess your borrowing capacity, so you can approach property investing with strategy, not guesswork.

In this episode, we cover:

• What borrowing capacity really means
• How banks calculate how much you can borrow
• The 5 key factors that impact your borrowing power
• Why income alone doesn’t determine your borrowing
• How credit cards, car loans, and HECS affect your loan amount
• Interest rate buffers and how they reduce your borrowing
• How to increase your borrowing capacity (practical strategies)
• Common mistakes that reduce your borrowing power
• The importance of loan structure for long-term property investing
• Bank guarantor options explained

Your borrowing capacity isn’t just a number; it’s a reflection of your financial habits, structure, and strategy.

The difference between buying one property and building a portfolio often comes down to how well you understand and manage this.

If you’re planning to invest in property in Australia, this episode will help you make smarter financial decisions and maximise your potential.

Listen now and take control of your borrowing capacity.

Subscribe to The Property Punch Podcast for weekly insights on property investing, wealth creation, and building long-term financial freedom in Australia.

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If you enjoyed today’s episode, don’t forget to:

• Follow or subscribe on Spotify, Apple Podcasts, or wherever you listen
• Leave us a review - it helps others find the podcast
• Share this with a friend who needs a fresh pour of property wisdom

Want to learn more or take your next step?
Visit www.yourwealthmentor.com.au for free resources, mentoring, and real-world investing strategies.

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Have a question you’d love answered on the show?
Send it in via DM or drop us a line - we’d love to feature your question in a future pour.

⚠️ DISCLAIMER: The content provided on this podcast is intended for general informational purposes. Please be aware that this information is not personalised to your specific investment objectives or financial circumstances. Consequently, it should not be considered financial, investment, legal, or any other form of professional advice, either expressed or implied.

Can you use your super to buy property in Australia?

SMSF property investing is one of the most searched and misunderstood topics in the Australian property market. In this episode of The Property Punch Podcast, we break down how SMSF property actually works, what the rules are, and whether it’s the right strategy for you.

We cover:

• What SMSF property means
• How a Self-Managed Super Fund can buy property
• How SMSF property loans (LRBA) work
• The sole purpose test explained
• Common SMSF property mistakes to avoid
• Who SMSF property is suitable for
• The real risks and benefits of using your super to invest in property

If you’re considering using your super to buy an investment property, this episode gives you clarity before you make a decision.

SMSF property can be powerful when structured correctly — but it must align with your long-term property strategy.

Listen now and build confidence in your SMSF property decisions.

Send a text

If you enjoyed today’s episode, don’t forget to:

• Follow or subscribe on Spotify, Apple Podcasts, or wherever you listen
• Leave us a review - it helps others find the podcast
• Share this with a friend who needs a fresh pour of property wisdom

Want to learn more or take your next step?
Visit www.yourwealthmentor.com.au for free resources, mentoring, and real-world investing strategies.

Follow us on Facebook, LinkedIn & YouTube

Have a question you’d love answered on the show?
Send it in via DM or drop us a line - we’d love to feature your question in a future pour.

⚠️ DISCLAIMER: The content provided on this podcast is intended for general informational purposes. Please be aware that this information is not personalised to your specific investment objectives or financial circumstances. Consequently, it should not be considered financial, investment, legal, or any other form of professional advice, either expressed or implied.

Many first time property investors make the same mistake, they try to turn their first investment property into a dream home.

In Episode 16 of The Property Punch Podcast, we explain why your first investment property is not meant to be your dream property and how separating emotion from strategy can dramatically improve your long term outcomes.

In this episode, we cover:

• The difference between lifestyle and investment property
• Why emotion hurts early strategy
• What your first investment property should actually achieve
• Common mistakes first time investors make
• How boring properties quietly build wealth

If you’re buying your first investment property or planning your next move, this episode will help you think clearly and strategically.

Subscribe for fortnightly property investing conversations with Your Wealth Mentor.

Send a text

If you enjoyed today’s episode, don’t forget to:

• Follow or subscribe on Spotify, Apple Podcasts, or wherever you listen
• Leave us a review - it helps others find the podcast
• Share this with a friend who needs a fresh pour of property wisdom

Want to learn more or take your next step?
Visit www.yourwealthmentor.com.au for free resources, mentoring, and real-world investing strategies.

Follow us on Facebook, LinkedIn & YouTube

Have a question you’d love answered on the show?
Send it in via DM or drop us a line - we’d love to feature your question in a future pour.

⚠️ DISCLAIMER: The content provided on this podcast is intended for general informational purposes. Please be aware that this information is not personalised to your specific investment objectives or financial circumstances. Consequently, it should not be considered financial, investment, legal, or any other form of professional advice, either expressed or implied.