How To Increase Your Borrowing Capacity, in 2025| ft. Michael Killiner

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The Follio Property Podcast

40 episodes

1 day ago

Sick of the same old property myths and bad advice? So are we. The Follio Property Podcast delivers real talk on the Australian property market, cutting through the noise to give you insights and education that actually matters. Hosted by property experts Lachlan Delahunty and Reece Beddall, we break down the latest market trends, expose industry topics, and give you the information needed to make smarter property decisions. Whether you're buying your first home, building a portfolio or just trying to make sense of the market, we've got you covered.

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Investing

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How To Increase Your Borrowing Capacity, in 2025| ft. Michael Killiner

The Follio Property Podcast

33 minutes 16 seconds

2 months ago

How To Increase Your Borrowing Capacity, in 2025| ft. Michael Killiner

In this episode Lachlan and Reece are joined by expert mortgage broker and Director of Tusk Finance, Michael Kiliner. Michael and the boys sit down to unpack everything you need to know about finance when building a property portfolio. From best loan strategies to understand how the recent interest rate cuts will impact the property market, this episode provide the right education for homeowners and investors. The also discuss: - How much growth is still left in the Perth Property Market - What a serviceability buffer really is and how it impacts your borrowing capacity- The hidden effect of credit card debt on your loan eligibility - Understanding property valuations and their role in finance - How debt recycling works and why you should consider itWhether you're buying your first home and are unsure as to how a mortgage or loans works, building a portfolio, or looking to restructure your finance, this episode is packed with practical strategies to help you make smarter moves. Timestamps: 00:00 Introduction 01:32 Will Interest Rates Continue To Cut 04:49 How Much Growth Is Left In The Perth Property Market 07:32 What's Serviceability Buffer & How It Affect Borrowing Capacity 10:16 How To Borrow More Money From The Bank 12:46 How Credit Cards Affect Your Borrowing 17:47 How DO Banks Conduct Property Valuations 23:53 Why Most Perth Brokers Are Lazy 27:41 What Is Debt Recycling📍Visit Our Website: https://follio.com.au/📩 Contact Us: info@follio.com.au

Michael Kiliner: LinkedIn: https://www.linkedin.com/in/michaelkilliner/Instagram: https://www.instagram.com/mortgageswmichael/?hl=en

Podcast: https://www.youtube.com/@ThatBackyardPropertyPodcast

Business: https://tuskfinance.com.au/

📲 Follow Us on Social:Instagram: https://www.instagram.com/folliopropertypod/TikTok:https://www.tiktok.com/@folliopropertypodSpotify: https://open.spotify.com/show/4Akt4N53zsb4ldzFNlTwad?si=AFEgYOAiSh2QGbK8AfFLyw Lachlan Delahunty: https://www.linkedin.com/in/lachlandelahunty/Reece Beddal: https://www.linkedin.com/in/reece-beddall-294557b3/
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