Property Investment Articles

Is banking policy killing property investing?

Hi everyone, Salena Kulkarni from Phoenix Wealth Group and in today’s short video I want to talk about the frustrations that you might be experiencing with the restricted lending that’s happening in the banking sector.

I kind of understand that there are two sides to the fence when it comes to thinking about why the banks might be restricting their lending and making the serviceability calculators tighter and tighter. In other words, putting a handbrake for lots of people who would like to invest in property from doing so.

Now one school of thought is that well from an investor point of view and certainly I’m experiencing this personally it’s kind of frustrating that even when you’re taking a fairly conservative approach to your investing and you’re not going to be in a position to go too much further. The flip side to that is and I recognize this and you know if you think about it from a grounded and reasonable view point is that all the banking system is doing right now is forcing people to stop borrowing and to consolidate and reduce debt.

That’s got to be a good thing for the country. I get the idea that we don’t want to become a nation that lives way beyond its means. So as an investor my view is the next 6,12, 24 months maybe even as far as into three years into the future. While the lending criteria is so tight what is really important is that you focus on debt reduction. I’ve said this in other video blogs.

Debt reduction is still to some degree increasing your net worth. It’s forced savings and it’s going to accelerate your wealth position in the simplest of ways. So instead of getting really frustrated that you can’t borrow to invest focus on reducing debt, focus on eliminating personal debt.
In terms of credit cards and other miscellaneous loans and just bide your time if you’ve got the right mindset opportunities will always present themselves and eventually you’ll get into a situation where you can start to borrow from a stronger asset base.

If anything in this video resonates please get in touch otherwise place like and share our videos and we look forward to catching up with you in future. Salena Kulkarni, signing off.

P.S. Whenever you’re ready, here are 3 ways I can help you create more freedom through your property investing:

Fast Track – If you are ready to get a personalised plan and become a successful property investor, then find a time in my calendar and let’s get you started. Click Here.

Nearly Ready – Jump onto our next webinar and go deeper into some basic frameworks in property investing, get some questions answered and become more familiar with the pitfalls to avoid. Click Here.

Not ready – Jump into our private Facebook group and become part of our community and get some great information and insights into how to fast-track your results in property investing. Join Us.

Related Posts

Are the wheels going to fall off our economy?

I am constantly having conversations with people (often non-investors) about whether the property market is going to plummet in the coming few years. Is there going to be a repeat of the GFC, but this time in Australia? My 2 cents is that a defensive approach always...

read more

What is success as a property investor?

I love hearing about people having wins in property investing... ...but at the same time, I often scratch my head in confusion when the property mags hold up an investors as a success story, when while they may own a few properties over say 7 years, they are geared up...

read more

How to stack the odds in your favour?

Having been an investor for nearly 2 decades, there is no doubt in my mind that property investing is a crowded market place. Lots of people recognise that the pension and superannuation alone, just aren’t going to give them the sort of retirement you need. More and...

read more

As Trusted By


Call Us

(+61) 2 6100 3688

Email Us


7 MacPherson St O'Connor ACT 2602 Australia

PO Box 6049 O'Connor ACT 2602

Business Hours

Monday - Friday 9:00 AM - 5:00 PM


  • This field is for validation purposes and should be left unchanged.