How to Buy More Investment Properties in 2026 | Trust Lending

Want to buy more investment properties in Australia but worried about running out of borrowing capacity? In this episode, I sit down with mortgage broker Braedyn Gillard from Gillard Mortgage Solutions to discuss how property investors can increase their borrowing capacity, how company and trust lending works in 2026, and whether it's still possible to build a portfolio of multiple investment properties. We break down the concept of "unlimited borrowing capacity", why Australian banks have tightened lending to companies and trusts, and the strategies investors are exploring to purchase their next property. We also discuss the recent negative gearing and capital gains tax reforms, their potential implications for property investors, and whether buying an investment property before your first home makes financial sense. 📈 Work with Onside Advisory or Gillard Mortgage Solutions: Looking to structure your property portfolio or optimize your borrowing capacity? Book a strategy consultation here: https://onsideadvisory.as.me/ Braedyn - Gillard Mortgage Solutions +61 410 114 112 0:00 Borrowing capacity after the negative gearing changes 1:06 Who should buy in a company or trust 3:54 Why it's not that easy: lenders pulling out 5:53 Why investors still want it 6:54 Will the major banks come back? 9:40 How the tax changes affect your structure 12:13 The risk of stuck equity 13:49 What we do when a new client comes in 16:42 Getting your professionals working together 21:17 Ways to increase your borrowing capacity 22:51 Broker vs bank 26:50 Property market outlook 31:13 Rentvesting 35:57 Your home vs an investment property first 38:24 Buying with a small deposit 41:03 Is LMI worth paying? 44:19 How hard should an adviser push you? 47:45 Should you buy right now?