WiZDOM Loans – Finance Update – 30th July 2025

In this session, you will gain a clear and practical understanding of the latest shifts in the finance market, focusing on how interest rates, lending policies, and borrowing strategies affect property investors.

Led by Andrew Kubenk, this finance update provides both context and actionable strategies to help you navigate today’s lending environment.

Here’s what you’ll learn from this session:

Current Finance Landscape

The session opens with an overview of the economic and lending environment, outlining how recent interest rate moves, credit tightening, and broader market conditions are shaping investor decisions. You’ll see how these factors directly influence borrowing power, serviceability, and investment timelines.

Borrowing Strategies for Investors

Andrew explains how to approach finance strategically by planning well ahead of each purchase. You’ll discover why aligning property deals with lender requirements is critical, and how using the right structures (such as trusts and company entities) can create both tax efficiency and stronger borrowing positions.

Risk Management in Lending

The session highlights the importance of protecting yourself against financial stress. You’ll learn about buffers, debt structuring, and why building in contingencies ensures you remain safe even if lending conditions tighten further. Andrew stresses that risk management isn’t just about protecting downside—it’s also about maintaining the ability to keep investing when others can’t.

Practical Investor Tips

You’ll hear practical guidance on:

• Preparing financials properly before approaching lenders.
• Leveraging equity while avoiding overexposure.
• Using multiple lenders and diversification to reduce risk.
• Staying flexible in your approach as policies and markets evolve.

This session ensures you’re not just reacting to the finance environment but using it to your advantage, giving you the knowledge and confidence to keep moving forward with your property investing goals.