🏦 Trust lending has changed — and many investors are feeling it.
In this episode of The Mortgage Chat, Tony breaks down the recent changes to Macquarie Bank’s trust lending policies and why this is creating challenges for property investors using trust structures.
We cover:
📉 What has changed with Mac Bank trust lending
📄 Why trust structures are under more scrutiny
💰 How serviceability is being assessed now
🏠 What this means for property investors moving forward
⚠️ Common mistakes investors are making after the changes
If you’re using a trust structure or planning to invest through one, this episode will help you understand how lending rules are shifting and what strategies still work in 2025.
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Tony Xia | The Mortgage Agency
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📩 Tony@themortgageagency.com.au
00:00 – Intro: Trust Lending Changes Explained
00:35 – What Happened With Macquarie Bank
01:40 – Why Trust Lending Is Tightening
03:05 – How Serviceability Is Being Assessed
04:40 – Impact on Property Investors
06:10 – What No Longer Works
07:45 – Common Investor Mistakes
09:20 – Alternative Lending Strategies
11:00 – What Investors Should Do Next
12:30 – Final Thoughts
