In this episode, Tex sits down with Craig Bigelow, lending advisor at Alcove and the Cash Flow Co.'s resident mortgage expert. Together they unpack everything you need to know about navigating property in the current climate.
With negative gearing changes making their way through parliament, rate uncertainty still very real, and borrowing capacities shifting, Craig breaks down what's actually happening on the ground and what it means for you.
What we cover:
🏠 Home buyers — Why the fundamentals haven't changed, what "survival is success" really means right now, and how to build the right buffers before you buy
📉 Borrowing capacity — How each 0.25% rate move impacts what you can borrow, and why your pre-approval might not be as safe as you think
💸 Investors — Who the new rules hurt, who they actually help, and how the $650K–$750K price point is about to get very crowded
🔄 Debt recycling vs. property — Why more people are looking at shares as an alternative, and how debt recycling stacks up in a post-negative-gearing world
🔒 Fixed vs. variable — The sharpest 1 and 2-year fixed rates right now (6.34%), what the banks' pricing tells us about where rates are headed, and why keeping some variable isn't just smart — it's essential
Chapters:
00:00 Intro & the Cashback Challenge
07:30 Welcome — what Craig is seeing on the ground
10:30 Home buyers: the fundamentals that haven't changed
18:00 Borrowing capacity & the pre-approval trap
22:00 The emotional vs. investment property trap
30:00 "Survival is success" — managing through a tough season
38:00 Investors: who wins, who loses, and the crowded price point
48:00 Debt recycling vs. property investing
56:00 Fixed vs. variable — the certainty trade-off
01:05:00 Craig's calculator tool & where to find him
Episode links
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