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Rates & Credit

Rate hikes and inflation push household strain to a post-pandemic high

A new Misery Index shows borrowing costs and prices now do the damage, not jobs. The question is who carries it.
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Non-bank lending gets a $1.7bn boost from Macquarie and Citi

A bridging fintech now has more than $1.7bn in debt funding from two big institutions. The harder question is what that means for borrowers and risk.
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Best interest duty review: cheaper loans aren’t always best

ASIC is reviewing how brokers meet their best interest duty, and the industry says the lowest rate is not always the right loan. The trade-off matters more as rates bite.
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Trans-Tasman stress test: banks pass, but the gaps matter

Regulators say lenders would keep lending through a deep recession. The test is only as good as what it leaves out.
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SMSF lending ban: what brokers are being told to do now

Bluestone's roadshow delivered one message: the diversification window just opened wider than most brokers realise.
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Mortgage funding surges 18% while personal loan arrears hit multi-year high

New housing credit is accelerating despite rising unemployment and spiking unsecured debt stress. What's driving the split?
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Mortgage broker recruitment: why benefits beat pay rises in 2026

Brokerages can't afford wage hikes as volumes fall, so they're loading up perks instead. What that shift tells us about the health of the broker channel.
Rates & Credit

Productivity growth stalls lock in higher rates, RBA warns

Weak output per worker narrows the path to rate cuts, regardless of how inflation behaves. Mortgage holders face a longer wait.
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ING clawback policy scraps penalties for property sales after 12 months

Brokers won't lose commissions when borrowers sell between 12-18 months from August 2026, but the first year still triggers penalties.
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Australian Housing Crisis: Banks Fund Mortgages, Not Homes

Australia’s banks hold $2.5 trillion in home loans, while development finance carries far heavier capital costs. Is credit worsening the shortage?
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Australia’s Biggest Home Lender Isn’t a Bank, And It’s Pulling Back

Family help is shrinking just as prices soften. That sounds useful for buyers, but the borrowing risk may be shifting.
Rates & Credit

Housing Investor Loans Face A New Budget Shock

Investor loan demand is weakening fast, and the budget may have changed the borrowing maths before prices fully reset.
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Investor Lending Hits 16-Year High as Banks Tighten Up

Investors are taking a bigger slice of home loans, but the borrowing maths is getting harder.
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Why Childcare Property Lending Is Becoming A Suburb-By-Suburb Game

Childcare demand still looks solid, but lenders are now asking a harder question: which centres can survive local pressure?
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SMSF Lending Ban Sparks Revolt From Non-Bank Lenders

Non-bank lenders say the ban targets a tiny slice of housing credit. The bigger question is who loses access next.
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RBA Interest Rates Hold, but Borrowers Get No All-Clear

The cash rate remains at 4.35%, but the RBA’s warning leaves borrowers facing an uncomfortable question: is another increase still coming?
Rates & Credit

Interest-only loans could be the Budget’s next property shock

Westpac sees investors pulling back, but the next move may be riskier: a shift towards loans that protect cashflow, not debt.
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Australia’s Economy Is Slowing, But the RBA May Not Blink

Jobs are weakening while underlying inflation has lifted to 3.4 per cent. For borrowers and investors, the next RBA call is no longer simple.

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