Rachelle Kroon
speaker
1,226 appearances
5 recordings
1 series
first heard Apr 2026
last heard 24 Aug
Rachelle Kroon’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 5 in all, peaking in Jul 2026 with 3.
Appearances
The the if you do a five year interest only period, you need to show as an investor that you can pay that loan off in twenty five years, principal and interest.
That was a big follow up.
Because it
right.
So borrowing capacity for investors actually started taking a huge hit.
seven or eight years ago when that came into play.
So people stop doing longer interest only terms.
And I've seen clients take a one or a two year interest only term because they have to for serviceability.
So even though there are payments less
your borrowing capacity reduces with interest only.
So to do a 10 year interest only term generally, and the banks you could probably do a 10 year interest only term now, but then you'd have to service it over 20 years and who can do that?
So the 40 year loan term, most people aren't going to have a 40 year loan term.
No, because it's they're going to have 10 years interest only and then they'll reset.
And look, investors can still borrow substantially less under the forty year
long term with the ten years interest only, then they could pre budget.
negative gearing has been a much bigger thing.
And we've also had three rate rises.
If somebody s if somebody's strategy is to grow their property portfolio, a 10-year interest only term is a game changer.
Yeah.
And it's not just for people to buy more property.
Showing 41–60 of 1,226 · page 3 of 62
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