Rates & Credit

Unlock expert property insights and market intelligence
Subscribe
Rates & Credit

Rental history home loan rules: the serviceability gap lenders won’t bridge

Renters pay $620 a week but can't prove they'll cover a $340 mortgage, because banks treat rent as spending, not evidence.
Rates & Credit

Westpac RBA forecast holds as big banks flip to November hike

Three majors now see a rate rise by year-end. One bank says the data doesn't clear the bar yet.
Rates & Credit

Rate hike impact: $183/month hit if RBA moves twice

Two major banks now expect rate rises in September and November. A $600k mortgage could face $456 in cumulative monthly increases this year.
Rates & Credit

RBA rate hike now priced at 97% by November as three banks flip forecast

Three of four major banks reversed their rate-cut calls after July inflation came in sticky, but one lender still sees cuts by mid-2027.
Latest
Rates & Credit

Bad debts equipment finance climb as broker earnings stall

Australia's largest equipment finance aggregator posted profit growth driven by novated leasing, but bad debt provisions jumped to 8.2% in its lending book.
Rates & Credit

Non-bank lenders now hold 30-45% of broker books as perception shifts

Once a last resort, non-banks are now first-choice for investors and complex income earners. What changed?
Rates & Credit

RBA interest rates on hold as board flags inflation risk

August minutes confirm no rate cut was considered. Another rise is still possible.
Rates & Credit

Non-bank lenders lift LVR caps as broker channel reshapes credit access

One non-bank just raised its lending ceiling to 80% LVR on loans up to $5 million, doubled its serviceability reach in regional postcodes, and ditched physical valuations for metro properties under $2 million.
Rates & Credit

Non-bank lender growth hits 16% as brokers shift volume

One of Australia's larger non-bank lenders posted a 26% profit jump and credited the broker channel, but the real question is whether margin pressure catches up.
- Advertisement -
Rates & Credit

Interest rate hike still possible as core inflation holds at 3.6%

July's CPI came in hotter than expected at 3.5%, but the trimmed mean hasn't budged, leaving the door open for further tightening.
Rates & Credit

Housing inflation drives CPI to 3.5% as November rate hike looms

July's inflation print came in above forecast at 3.5%, with housing costs, new builds up 5.7%, rents still elevated, doing most of the work. Markets now price a November hike.
Rates & Credit

First home buyer deposit gap: $20,000 shortfalls drive super raids

One in four Australians tapped super early, brokers report buyers arriving thousands short, and the quick fix could cost decades of compound growth.
Rates & Credit

Household bills inflation gap hits 50pc as essentials outrun CPI

Energy, water, insurance and council rates have climbed faster than official inflation for five years, and the widening gap is rewriting the mortgage stress story.
Rates & Credit

Sub-6% variable rates: 52 lenders now undercutting the standard

More than 50 lenders have dropped variable rates below 6%, but the majors are holding the line, so who's cutting, and is switching worth the risk?
- Advertisement -
Rates & Credit

Private credit redemption gate extended: what locked investor funds reveal

A backed non-bank lender has pushed its fund freeze out to three years total. Is this liquidity management or a warning sign?
Rates & Credit

RBA interest rates inflation watch: what ‘working’ means for mortgages

The Reserve Bank says rate hikes are cooling the economy, but another increase remains on the table if price pressures don't ease.
Rates & Credit

Business loan demand climbs while capital spending stalls

Firms are choosing liquidity over equipment. What that means for property.
Rates & Credit

Non-bank lending diversification: where mortgage capital is moving

Liberty's mortgage book shrank while secured lending jumped 50%. The shift reveals which categories are absorbing capital that would have funded home loans a year ago.

Follow us

HomeRates & Credit