Stagione 1
How Investors Keep Scaling When Borrowing Limits Hit
You've built a portfolio, so why are the banks starting to slow you down? In this episode of The Deal Desk, Ben sits down with Nick Ball to break down two real client scenarios: one couple scaling aggressively using debt recycling and equity from their offset account, and another already holding two properties who needed to unlock equity without selling, by moving debt into separate company structures. They get into why purchasing through companies and trusts protects your borrowing capacity as you grow, how to free up room to keep buying without triggering stamp duty or CGT, and why standard compliance accounting often isn't enough once you're scaling seriously. Ready to talk through your own position? Book a strategy call here: https://book.flint.nbh.co/teambr Learn more about Flint: https://flintgroup.au/ Connect with Ben Robinson: https://www.linkedin.com/in/ben--robinson https://www.instagram.com/benrobinson_flint Connect with Nick Ball: https://www.linkedin.com/in/nick-ball-bb105077/ https://www.instagram.com/nickballfinance/ Follow The Deal Desk: https://www.instagram.com/thedealdeskpodcast/ Subscribe for real conversations with the people who've actually done it. New episodes dropping weekly.
What's changing in lending right now, and how do you actually go from your first property to building a portfolio? In this episode of The Deal Desk, Ben sits down with Nick Ball to unpack the shift from 30-year to 40-year loan terms, shrinking refinance buffers, and what it actually takes to move from property one to property five, from your first purchase through to knowing when to exit. They also get into the pressures shaping the market right now: negative gearing changes, the 2026 Budget's impact on borrowing capacity, and why chasing tax benefits alone is rarely a good enough reason to buy. If you're building a property portfolio, or thinking about starting one, this episode is worth your time. Ready to talk through your own position? Book a strategy call here: https://book.flint.nbh.co/teambr Learn more about Flint: https://flintgroup.au/ Connect with Ben Robinson: Linkedin: https://www.linkedin.com/in/ben--robinson | Instagram: https://www.instagram.com/benrobinson_flint Connect with Nick Ball: Linkedin: https://www.linkedin.com/in/nick-ball-bb10 | Instagram: https://www.instagram.com/nickballfinance/ Follow The Deal Desk: https://www.instagram.com/thedealdeskpodcast/ Subscribe for real conversations with the people who've actually done it. New episodes dropping soon.