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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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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.
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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.
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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.
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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.
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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.
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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?
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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?
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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.
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Business loan demand climbs while capital spending stalls

Firms are choosing liquidity over equipment. What that means for property.
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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.
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Mortgage stress hits 60% of borrowers as repayments consume 38% of income

Three in five mortgage holders now spend more than a third of their income on repayments, pushing 1.4 million households past recommended serviceability thresholds.
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White-label mortgages fade as aggregators chase margin over volume

The funding model that built broker independence is unwinding. One major aggregator just shifted $1.3bn away from third-party lenders to its own book.
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Broker market share hits 1-in-9 loans: what it means for borrowers

One aggregator now touches 11% of new mortgages. Does scale give brokers leverage over banks, or build a chokepoint that eventually narrows your options?
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Broker channel hits 81% market share as network profits jump 39%

One network now writes one in nine Australian mortgages, but the profit growth happened during a lending downturn, not a boom.

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