Australian Property Market Special

What do rising interest rates actually mean for your borrowing power, property strategy, and investment decisions in 2026?

In this episode, Candice Bourke and Felicity Thomas sit down with leading mortgage broker Mitchell Lobb from Distinctive Finance to break down what’s really happening in the Australian property market and where the smartest opportunities may lie.

Whether you're a first home buyer, seasoned investor, or business owner, this episode unpacks the real-world lending strategies most people don’t understand but absolutely should.

🔍 In this episode, we cover:

What interest rate rises mean in practice for borrowers today
Why waiting for rate cuts could cost you more than you think
How banks calculate borrowing power (and why it varies so much)
Strategies for self-employed borrowers & business owners
When refinancing becomes a strategic move not just rate chasing
Debt recycling explained simply (and why it’s back in focus)
Structuring loans, offsets & equity across multiple properties
The 2026 property market outlook where prices may be heading
Top 3 things to do now if you want to buy property in the next 12–24 months

💡 Key takeaway:

In uncertain markets, structure and strategy matter more than ever and those who understand lending dynamics can unlock opportunities others miss.

👤 About our guest - Mitchell Lobb

Mitchell brings over 20 years of experience across NAB, ANZ, St.George and Westpac, including time as a Private Banker in Asia. He now works closely with clients to structure lending strategies that align with long-term wealth creation.

📩 Want help with your investment or property strategy?

Contact us: cftgroup@shawandpartners.com.au and we can faciliate a meeting with Mitch.

⚠️ Disclaimer

Candice Bourke and Felicity Thomas are Authorised Representatives of Shaw and Partners Limited. This podcast is general information only and does not constitute personal financial advice. You should consider your personal circumstances and seek professional advice before making any financial decisions. Information is current as at 4 March 2026.

Hosted on Acast. See acast.com/privacy for more information.

Australian Property Market 2026 🏡: Interest Rates, Borrowing Power & Smart Strategies with Mitchell Lobb

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Australian Property Market 2026 🏡: Interest Rates, Borrowing Power & Smart Strategies with Mitchell Lobb