Credit Policy Changes That Matter More Than Headline Rates
14 September 2026
The mortgage and real estate industries are evolving at breakneck speed, and artificial intelligence (AI) is no longer a futuristic concept—it’s a workflow necessity. For brokers and agents alike, the challenge is balancing digital efficiency with human connection in a compliance-heavy environment. AI for mortgage brokers in Australia is quickly becoming a critical tool to meet these demands. The […]
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Australia’s commercial property finance market is undergoing a seismic shift. With major banks constrained by tightened capital requirements, commercial borrowers are increasingly turning to private credit funds and non-bank lenders for their capital needs. Far from being a niche solution, private debt is now a cornerstone of middle-market development funding. Why Private Debt is Booming According to EY-Parthenon, Australia’s […]
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The Good News? Softer June CPI data has triggered a collective sigh of relief, staving off immediate fears of another RBA rate hike. The cash rate remains at 4.35%, according to the Reserve Bank of Australia, following three hikes this year in February, March, and May . But for buyers and mortgage seekers, the real story is […]
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National averages lie. Australia’s housing market is no longer moving in a single direction—it’s fractured. On one side are Sydney and Melbourne, facing price softness. On the other, Perth and Brisbane continue to show resilience, holding firm against headwinds. Big Four Forecasts: Two-Speed Market According to ANZ’s April 2026 outlook, Sydney and Melbourne will likely record small […]
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Interest rates have long been the Reserve Bank of Australia’s (RBA) go-to tool for keeping inflation in check. By adjusting the cash rate, the RBA aims to influence borrowing costs, spending, and overall economic activity. But in today’s economy, many experts question whether these rate changes alone can effectively tame rising prices with record government […]
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Artificial Intelligence (AI) has shifted from being a futuristic concept to a practical tool that’s rapidly reshaping the mortgage broking industry in Australia. While AI won’t replace mortgage brokers anytime soon, it will fundamentally change how brokers work, how loans are processed, and ultimately, what clients expect from their financial experience. For those ready to embrace tech-driven change, the […]
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Christopher Joye| Australian Financial Review| 22 February 2019 https://www.afr.com/personal-finance/banking/labor-rejects-royal-commission-via-mortgage-broker-backflip-20190222-h1bkzj?fbclid=IwAR1A7I8Hdf-hMrm_20dXN6ONb9LaFaDe_DLCd53WILyaj8nukz9Go78B-5E Labor has made an important policy backflip on mortgage brokers that has resulted in it formally rejecting one of the royal commission’s most significant recommendations, which undermines its credibility in the brewing election debate. Labor can no longer claim to have accepted the royal commission’s recommendations, […]
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Amy Remeikis| The Guardian| 22 February 2019 https://www.theguardian.com/australia-news/2019/feb/22/labor-proposes-fixed-rate-commission-for-mortgage-brokers?fbclid=IwAR3vBnEVU1qAuaoysKM8ivuhkWx2YR_T5kP8sUCF0dPjZ1SJeT8gd2J-3qA Labor has backed away from the royal commission’s recommendation of user-pays fees for service for mortgage brokers. Labor has proposed a fixed-rate commission for mortgage brokers rather than accept the banking royal commission recommendation to apply user-pay fees to the service. Commissioner Kenneth Hayne had recommended clients […]
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Ingrid Fuary-Wagner| Australian Financial Review| 8 February 2019 https://www.afr.com/real-estate/interest-rates-not-the-real-barrier-to-rebooting-of-property-market-20190207-h1ayrq A possible cut to interest rates this year will boost buyer confidence but there’s still a major roadblock preventing a sudden turnaround in the property market. The Reserve Bank’s shift in its outlook this week signalling a possible cut to the cash rate has prompted excitement […]
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James Eyers| Australian Financial Review| 15 February 2019 https://www.afr.com/business/banking-and-finance/aussies-james-symond-says-hayne-change-will-destroy-mortgage-competition-20190215-h1bang The elimination of mortgage broking trailing commissions will halve the average annual income of a broker to $40,000, triggering an exodus from the industry and choking off bricks-and-mortar distribution for small and foreign home-loan lenders, says Aussie Home Loans chief James Symond. He warns the industry […]
[...]Shane Wright & Clancy Yeates| Australian Financial Review| 11 February 2019 https://www.smh.com.au/politics/federal/morrison-backs-brokers-despite-warning-from-banking-royal-commission-20190211-p50wzv.html?fbclid=IwAR0tLu7eaQNlNrPuyQ-UnAWDDPD077cybyd1B7TrHHb-8SOYBDGvKbFVfME Scott Morrison has backed the mortgage broking industry in the face of demands from the banking royal commission for major changes to how brokers are paid, saying he does not want the sector to “wither on the vine”. As the peak body for […]
[...]James Eyers| Australian Financial Review| 6 February 2019 https://www.afr.com/business/banking-and-finance/right-to-be-cautious-philip-lowe-matt-comyn-back-a-role-for-mortgage-brokers Reserve Bank governor Philip Lowe has backed Treasurer Josh Frydenberg’s cautious approach towards the royal commission’s call for bank-paid mortgage broker commissions to be replaced with customer-paid fees, saying the impact on competition required consideration. Commonwealth Bank chief executive Matt Comyn also engaged in the most […]
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Exodus of Australian Landlords Driving Up Rents The Australian rental market is facing a crisis, as a growing number of landlords are selling their properties or taking them off the market altogether. This is due to a number of factors, including fear of government rent control, rising property taxes, and the increasing popularity of holiday […]
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After months of decline, housing loan commitments in Australia have finally started to increase. This is due to a number of factors, including optimism in the housing market, interest rates on hold last month, fear of missing out (FOMO), with the rhetoric of increased immigration and lack of house starts. Optimism in the Housing Market […]
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Addressing the critical need for affordable housing, the New South Wales (NSW) government has introduced a range of incentives to encourage property developers to allocate at least 15% of new projects for affordable housing. In addition to fostering social inclusivity, these incentives offer significant benefits to developers, including increased floor space ratios and height bonuses. […]
[...] Addressing the critical need for affordable housing, the New South Wales (NSW) government has introduced a range of incentives to encourage property developers to allocate at least 15% of new projects for affordable housing. In addition to fostering social inclusivity, these incentives offer significant benefits to developers, including increased floor space ratios and height bonuses. […]
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As technology continues to advance at an unprecedented pace, artificial intelligence (AI) has emerged as a game-changer in various industries. The mortgage lending sector is no exception, with AI-powered tools promising to simplify the process and assist borrowers in finding their ideal home loans. However, the question remains: will mortgage brokers be replaced by AI […]
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The policy story sounds simple — the housing reality isn’t In the current election cycle, the Labor Party’s renewed focus on “cracking down” on property investors is being framed as a fairness measure: reduce investor demand, cool prices, and make it easier for first home buyers (FHBs) to get in. We all should understand why […]
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Published April 2026 | Accredited Broker The Global Lens Every Australian Broker Should Be Looking Through Most mortgage brokers are rightly focused on rate movements, lender policy changes, and serviceability calculators. But the brokers who build durable, high-performing businesses are the ones who understand the bigger forces shaping their clients’ decisions — and right […]
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Australia’s rental crisis is entering a new and more dangerous phase. While the headlines have focused on vacancy rates and surging rents, the policy environment quietly building in the background may be about to make things significantly worse. A convergence of proposed federal Capital Gains Tax (CGT) reform and a wave of state-based tenancy law […]
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A new approach to lending could have a dramatic impact on whether Australians can get a mortgage. A letter sent from the Australian Prudential Regulation Authority (APRA) to the banks shows how it is developing an arsenal of weapons to stop the market getting away from itself. Already this month, lending changes enforced by APRA […]
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Annie Kane| Mortgage Business| 11 November 2021 https://www.mortgagebusiness.com.au/breaking-news/16240-apra-consults-on-new-credit-risk-management-approach?utm_source=MortgageBusiness&utm_campaign=Mortgage%20Business11_11_2021&utm_medium=email&utm_content=1&utm_emailID=8a8e1573aa7aed348b3ce216911220f449b12b769f3b1261337d04577713208e Debt-to-income ratio limits and serviceability buffer changes are to be embedded into APRA’s standard for credit risk management. The Australian Prudential Regulation Authority (APRA) has written to banks asking for feedback on proposed its proposal to ‘formalise and embed’ credit-based macroprudential policy measures within its prudential standard for credit risk. […]
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Sarah Simpkins| Mortgage Business| 12 November 2021 APRA runs through lending control toolkit – Mortgage Business The prudential regulator has outlined the next intervening steps it could take, as housing prices and debt levels continue to climb. APRA released its Macroprudential Policy Framework information paper on Thursday (11 November), setting outs its framework, options and […]
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After a record-breaking year of property growth, the regulator has announced limitations on how much the banks can lend. Accredited Broker believes that this will have a minimal impact. In an effort to stop stellar growth, the banking regulator (APRA) will be requiring the banks to increase the interest rate at which they assess mortgage […]
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Michael Bleby| Australian Financial Review| 1 October 2021 https://www.afr.com/property/residential/how-stamp-duty-is-keeping-houses-off-the-market-20210930-p58w9x Rising stamp duty costs have contributed to a drag on the amount of housing stock coming to the market over the past 13 years, new research shows. Stamp duty, a lucrative revenue source for states, is not the only reason for worse housing market liquidity, but […]
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The Australian housing market recorded its fastest annual growth since April 2004 and there is even a spark of life in the investor market – is this good news or bad? Over the past 12 months many in the media have claimed we are in a housing bubble and called for regulators to intervene, to […]
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