In this episode of Wealth Coffee Chats, guest host Sarah Shome breaks down one of the most powerful — yet often misunderstood — tools used by sophisticated property investors: the master limit structure. Sarah explains how this flexible, pre-approved credit umbrella helps investors clearly separate loan purposes, maintain ATO-friendly documentation, and maximise tax deductibility of interest. She also explores how master limits create faster access to equity, reduce the need for constant refinancing, and streamline efficient debt recycling so investors can transform non-deductible debt into productive investment debt. Sarah kicks off with a quick market recap, including Australia’s surprise unemployment drop, its impact on RBA rate-cut expectations, and how strong rental demand continues to drive investor lending activity. Whether you’re expanding your property portfolio or want to improve your loan structure, this episode offers a clear, practical explanation of why master limits become essential as your investment strategy grows.

Episode Highlights:

1. Market wrap: unemployment surprise and shifting RBA expectations.


2. Investor lending remains strong despite stable interest rates.


3. What a master limit is and how it actually works.


4. How sub-accounts keep loan purposes clean and ATO-compliant.


5. Faster equity access and why speed matters for investors.


6. Debt recycling made simpler through flexible limit adjustments.


7. Reducing refinances and paperwork using master limit structures.


8. Why master limits become crucial as your portfolio grows.