In AMP Bank’s view, the Budget changes create a two-tier system: existing investors keep their current tax arrangements, while buyers of established properties face tighter rules from 1 July 2027.
According to the Reserve Bank of Australia (RBA), Australia has around 2.3 million individual housing investors, with about 70% owning a single investment property, while Australian Bureau of Statistics (ABS) data shows investors took out $41.5 billion in new dwelling loans and more than $36 billion in refinancing during the March quarter of 2026.
Broker feedback shapes offer
Michael Christofides (pictured, left), AMP Bank Director Lending and Everyday Banking, said broker feedback played an important role in shaping the new offering.
“Brokers have been telling us that more investors are looking for ways to improve cashflow and strengthen their holding power, particularly as lending, tax and economic conditions evolve,” Christofides said.
“Equity Flex was developed with those conversations in mind. Brokers wanted greater flexibility for eligible investors with strong equity positions who may be asset rich but increasingly conscious of cashflow.
