Presentation by Inga Xu CPA from Nexa Finance

Two major financial headlines together paint an interesting picture. On one side, banks are expanding internal reviews of mortgage fraud, signalling tighter credit scrutiny. On the other, the government is debating potential changes to the CGT discount, which could reshape investment strategy. Credit conditions are tightening while rules evolve. After living through multiple cycles, I’ve learned that predicting direction matters less than maintaining strong structures and resilient cash flow. The year is starting decisively: borrowing is rising, repayments are shifting, competition remains firm, rental markets are tight, rates are moving quickly, and new debt caps are influencing loan approvals. Stability, not speculation, wins long term.