Weekly Slice 261: How New Massive Mortgages Will Impact Australian Property - With Raj Sarin & Todd Sloan

Nov 25, 2025

Raj Sarin, a seasoned mortgage broker from Equity Finance Solutions, joins Todd Sloan to delve into the hot topic of 40-year mortgages in Australia. They explore whether these long-term loans are a game-changer for first-home buyers facing soaring property prices. Raj highlights how they can increase borrowing capacity and potential savings, but also warns of hefty long-term interest costs. Listeners will learn about the evolving lending landscape and the importance of strategizing financing before diving into property details.

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INSIGHT

40-Year Loans Are Emerging, Not Yet Mainstream

40-year mortgages are newly available in Australia but still limited to a few lenders.
They may become more common over time as affordability pressures persist.

ADVICE

Always Use A Strategy And A Specialist Broker

Do not treat a 40-year mortgage as a set-and-forget solution and seek tailored broker advice.
Use a specialist broker for first-home buyers or investors to build a strategy first.

INSIGHT

Only A Few Lenders Offer Longer Terms

Only a handful of lenders currently offer extended loan terms, including Pepper Money and Credit Union SA.
The big four banks largely do not offer 40-year terms yet, though Westpac is trialing privately.

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