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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
> The Cashback Challenge
Work with Tex tobuild a personalised plan for wiping 100k in interest off your home loan in the next 30 days. Grab your guest pass here.
> Fixed vs Variable rates calculator
Model different scenarios to consider what's best for you. Click here
> Book a free chat with Craig
Review your situation and best options. Click here
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