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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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Unemployment rate Australia hits 4.6% as participation surges

More people looking for work, fewer finding it, and the RBA's inflation problem just got harder.
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Broker commission settlement exposes fragility in the channel property investors rely on

A $29.6 million payout to former franchisees raises questions about remuneration stability across the broker network that keeps rate competition alive.
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RMBS issuances hit $3bn as non-banks chase funding at scale

Non-bank lenders are raising billions through securitisation. The question: does bigger funding mean cheaper loans, or just more capacity to lend at the same price?
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Refinancing rejection rate doubles in six months as buffer bites

Half of all brokers now report clients locked out of switching lenders, what changed, and what's left when the cheapest rate is no longer an option.
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Interest rate hike fiscal policy split: who pays for government spending

With the RBA tipped to lift rates again, the tool hits mortgage holders while fiscal spending, the bigger inflation driver, faces no constraint.
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Non-bank lender funding hits $1.2bn as securitisation keeps pace with mortgage slowdown

A major broker-backed lender just matched its largest-ever funding deal despite property turnover sliding, here's what that capacity signal means for rate competition.
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Private credit lenders face capital test as $200bn sector hits scrutiny

Developer defaults expose the one funding question most investors skip, and regulators are watching.
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Refinancing rates drop below 6pc as lenders chase market share

Non-banks and regionals are undercutting the majors by 50-80 basis points. Is it distress or strategy?
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RBA rate decision September holds, but October’s inflation data will decide next move

Growth forecast lifted to 1.5%, yet the central bank is expected to keep powder dry until quarterly inflation numbers land in late October.
Rates & Credit

Interest rate hike distribution: why the pain lands unevenly

Another rate rise would hit recent borrowers hard while missing the households driving services inflation, the blunt instrument problem nobody's solving.
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Negative gearing borrowing power cut: investor loses deal mid-settlement

Banks recalculated serviceability after budget night, before settlements closed. A Sydney investor's $700k pre-approval became $450k overnight.
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Private credit property lending: the concentration risk nobody priced

Several lenders all backed the same developer group. Now the exposures are surfacing, and they're bigger than the diversification marketing suggested.
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Broker commission structures face quiet test as lender merges channels

A non-bank lender's decision to consolidate broker and direct sales under one executive raises a question the industry hasn't settled: what happens when the channel distinction starts to blur?
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Non-bank commercial lending hits $10bn, what banks won’t fund

One non-bank's milestone shows where the majors draw the line on development and complex property finance. The $10bn question is what happens when this tier tightens.

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