The Lending Market Is Splitting in Two — Here’s What’s Happening Right Now
A Market Moving in Two Different Directions The lending world is changing quickly, and 2025 is shaping up to be a year where the gap between major banks and specialist lenders becomes even more obvious. While the big banks are tightening up and investing heavily in their direct, in-branch channels, non-bank lenders are moving in […]
Before You Consolidate Your Debts: A Practical Guide for Home Loan Seekers
When someone comes to me about getting a home loan, one of the first things we go through is their current debts. Car loans, credit cards, personal loans — all of these influence how much you can borrow and how comfortable your repayments will feel. Plenty of people jump straight to:“Should I consolidate everything into […]
WHAT THE NEW 20% DTI RULE MEANS FOR BORROWERS FROM 1 FEBRUARY
APRA has announced a change that will affect how banks assess home loans from 1 February, especially for borrowers stretching their borrowing capacity. If you’re planning to buy, refinance, or invest, this update is worth understanding because it can influence: Let’s break it down in simple terms. What Is DTI? DTI stands for Debt-to-Income. It’s […]
Mortgage Outlook for 2026: What Borrowers Need to Know Now
The end of the year has brought a mix of steady and shifting signals across rates, housing affordability, and employment. And while the headlines can feel overwhelming, they all boil down to one simple question most people ask: “What does this mean for my mortgage?” The RBA has held the cash rate at 3.60% again, […]
Credit Reporting and FIRB Approval in Australia: A Complete Guide for Foreign Buyers
Buying property in Australia as a foreign buyer is not just about finding the right home. It comes down to two critical approvals that must work together. First, you need FIRB approval to legally buy property.Next, you must satisfy credit reporting requirements so a lender will fund the purchase. This guide explains how both systems […]