748 APRA’s lending cap, major NSW & VIC zoning changes & the 2% shared equity scheme

John and Rach break down three huge property changes hitting the headlines: APRA’s new lending cap coming february 2026, NSW & VIC’s town-centre zoning reforms and the national rollout of the 2% shared-equity scheme.

👉🏾 what APRA’s DTI cap actually is and who it affects 👉🏿 what's causing prices to continue going upward 👉🏻 tips for investors amidst the changes 👉 the winners and losers of NSW/VIC town-centre upzoning changes 👉🏼 2% shared-equity scheme explained + pros and cons 👉🏽 a warning about gap finance 👉🏾 use the shared equity scheme vs live or invest regionally

Check out where rezoning is happening in NSW here: https://www.planningportal.nsw.gov.au/

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Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au Needing a buyer's agent. Check out John's team at https://www.envisageproperty.com.au/ Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

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