“That may create increased demand for refinances, trust restructures, entity restructures and more complex lending solutions,” Wright said. “We don’t see demand diminishing. We see it evolving.”
She also expects the reforms to increase the value of professional networks, with brokers working alongside accountants, financial advisers, and solicitors to help clients prudently navigate the changes. Lenders with depth in SMSF lending, commercial lending, and complex ownership structures will play a key supporting role.
“Many of these conversations will involve multiple stakeholders and a range of potential outcomes,” Wright said. “By testing scenarios and understanding the practical lending implications for each client, brokers can have more informed and productive conversations.”
But at the end of the day, she doesn’t expect Aussies to fall out of love with residential property investment any time soon, even if short-term deal flows have taken a hit, especially at Westpac, which recorded a 20% fall in housing investor loan applications earlier this month.
Wright said: “For many Australians, residential property remains a familiar asset class that they understand well. They rationalise how it generates income, how it can create long-term wealth and how it fits within a broader investment strategy.
