The Broker Times Special Report

Investor Strategy 2026

Capitalizing on the 17.6% Lending Boom

The Market Shift

17.6%

Surge in Investor Loans

New Commitments by Value (Q3 2025)

Data reflects the sharp uptick in investor activity vs previous quarters.

The Strategic Pivot

Stop chasing rates. Start structuring portfolios. The modern broker adds value by optimizing for wealth creation, not just monthly repayments.

The Old Way

  • ✖ "Can I get you a lower variable rate?"
  • ✖ "Should we fix your rate now?"
  • ✖ "Is the repayment amount comfortable?"

The New Way

  • ✔ "Is your structure maximizing cash-out?"
  • ✔ "Are offsets mapped to non-deductible debt?"
  • ✔ "Can we use Interest-Only to fund the next buy?"

Mastering Alt-Doc Solutions

1. 12 Months BAS

For established businesses with recent growth. Lenders annualise the last 4 BAS statements.

2. Accountant's Letter

Vital for complex structures (Trusts) or verifying add-backs like depreciation.

3. Bank Statement (Low Doc)

Uses turnover from business bank statements to calculate serviceable income.

Target these profiles in your CRM

The "Lazy Equity" Mining Process

1

Filter CRM

Sort for Occupations (Medical, Legal, IT) or Incomes >$150k.

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2

Identify Equity

Run automated vals. Look for >$100k usable equity (80% LVR).

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3

Strategic Call

Offer a "Structure Review" not a loan. Unlock the equity.