Property Loans Decoded: What REALLY Matters When Borrowing?

Passive with Property

Serviceability, purchase price, valuations, LMI... what really matters when getting a property loan?

In this episode of the Passive with Property podcast, Dragan and Amanda are joined by Anthony from Mortgage Works to break down the complex world of property finance for investors.

Anthony shares real-world insights from the finance frontline, explaining why ongoing serviceability and cash flow often matter more than just the purchase price and how smart structuring can mean the difference between one property and a whole portfolio.

We cover key topics that every investor should understand:

• Valuations: What’s the difference between a purchase and a refinance valuation and why short valuations are rare.
• Lenders Mortgage Insurance (LMI): When it applies, and how to see it as a tool rather than a penalty.
• Off-the-plan & long settlements: The finance risks most people overlook.
• Pre-approvals: The truth behind “digital approvals” vs fully assessed pre-approvals.
• Big banks vs second-tier lenders: Who has the edge in borrowing capacity?

🎯 This is essential listening for any investor who wants to understand how lending really works — and avoid finance pitfalls that could cost you thousands.

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🎧 Listen to the Podcast:
Spotify: https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R
Apple Podcasts: https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552
Overcast: https://overcast.fm/itunes1673633552

🔓 The Property Vault: https://buyersagencyaustralia.com.au/unlock-vault/
🌐 Website: https://buyersagencyaustralia.com.au
🏦 Mortgage Works: https://mworks.com.au/

🛑 Disclaimer: This episode is for general educational purposes only and is not financial advice. Always consult a qualified professional before making investment decisions. Buyers Agency Australia does not provide financial or tax advice.

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