Credit Policy Changes That Matter More Than Headline Rates
14 September 2026
End of financial year is more than a compliance deadline — it’s a chance to tighten cash flow, reduce risk, and set up a stronger year ahead. With measures announced in the 2026 Federal Budget (and related ATO focus areas) influencing planning decisions, business owners should treat EOFY as a strategic reset. Note: This article […]
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The budget message the market will hear Budgets don’t just move numbers; they move sentiment. In mortgage lending, finance and property, confidence is a leading indicator — it shapes borrowing appetite, construction pipelines, investor participation and household spending long before any policy is fully implemented. This budget’s core risk is that it sends a mixed […]
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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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Nathan Mawby| Real Estate| 19 September 2022 How all the bloomin’ rate rises are affecting the spring market and you – realestate.com.au Interest rate hikes have piled on hundreds of dollars of hip-pocket pain for anyone with a mortgage and reshaped the property market this year. After five rate hikes in as many months, a […]
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Kate Farrelly| Domain| 29 August 2022 What is loyalty tax and how do you avoid paying it? (domain.com.au) Picture this scenario. You’ve reached the front of the line at your favourite cafe and happily pay $4 for your flat white. But then the next customer places the same order and is only charged $3. Turns […]
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Pete Wargent| Livewrie| 28 June 2022 What a 3.2% cash rate will mean for property prices and household savings – Pete Wargent | Livewire (livewiremarkets.com) At the time of writing, market pricing is looking for the cash rate to reach 3.20% by the end of 2022, which would be an even faster-tightening cycle than that […]
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Scott Haslem| Australian Financial Review| 1 August 2022 https://www.afr.com/wealth/personal-finance/three-reasons-inflation-could-be-lower-by-next-year-20220728-p5b5bq Fears of a global recession and a housing market crash have dominated headlines after Australia’s 6.1 per cent inflation figure last week, our fastest pace in over 20 years. Fuelling the car, building a home (or just living in someone else’s) and keeping food on the […]
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John Kehoe| Austalian Financial Review| 29 July 2022 https://www.afr.com/policy/economy/inflation-can-turn-negative-in-2023-20220729-p5b5nh Inflation could turn negative by late next year as petrol prices decline and supply chain pressures ease, allowing the Reserve Bank of Australia to avoid being too aggressive on interest rate rises. Economists expect some major global inflationary pressures to be temporary and Australia’s quarterly headline […]
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Kate Aubrey| Mortgage Business| 1 August 2022 Mortgage lending continues steady growth – Mortgage Business Home loan lending remains “stable” over June, with all four major banks reporting an increase to their loan book, according to APRA. New authorised deposit-taking institution (ADI) data from the Australian Prudential Regulation Authority’s (APRA) has shown that total residents […]
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Micah Guiao| Australian Broker| 21 June 2022 Now is the best time to be a broker (brokernews.com.au) The combination of rising interest rates, higher costs of living, and a cooling market means there has never been a more exciting time to be mortgage broker, says Yellow Brick Road Home Loans. Brokers are poised to play […]
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Annie Kane| 16 June 2022| Mortgage Business Brokers writing majority of bank mortgages – Mortgage Business Nearly 58 per cent of loans funded by banks are originated by the third-party channel, according to APRA statistics. According to the Australian Prudential Regulation Authority’s (APRA) latest Quarterly Authorised Deposit-taking Institution (ADI) Property Exposures publication (for the quarter ended 31 […]
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Daniel Ziffer| ABC| 7 February 2022 https://www.abc.net.au/news/2022-02-07/threat-of-postcode-discrimination-in-credit-scores/100723574?fbclid=IwAR36VZplMBBVdFVzo7YDscYRWs92ab_vJNQ-7i9-SPHlscyAeKvbn7hkI9M Where you live could determine if you can get a mortgage, with Australia’s biggest credit scoring company now applying postcode data when assessing applications. Key points: People’s credit scores are used by banks in determining if they should be approved for loans and credit cards Market leader Equifax […]
[...] 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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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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https://www.moneymanagement.com.au/features/expert-analysis/new-shape-best-interests-duty Industry Expert| Money Management\ 24 July 2020 Since 2009, credit licensees and their representatives have grappled with responsible lending obligations. Following the passage of legislation in response to recommendations of the Royal Commission, mortgage brokers will now also be required to comply with a statutory duty to act in the best interests of consumers. […]
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New Rules Mean Brokers Have to Work in Client’s Best Interest ASIC has confirmed brokers will be obliged to act in the best interests of borrowers by 2021. Under the new rules, mortgage brokers will be required to thoroughly investigate a client’s circumstances, keep detailed notes of client meetings and the advice given, and consider […]
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John Kehoe, Matthew Cranston & Jonathan Shapiro| Australian Financial Review| 16 March 2020 https://www.afr.com/policy/economy/regulators-ease-coronavirus-credit-squeeze-20200316-p54aeb Financial regulators are extending short-term liquidity funding to banks and are considering easing regulations on lenders to help prevent a credit squeeze hitting cash-strapped small businesses. As part of its normal daily market operations the Reserve Bank of Australia will lengthen […]
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Madison Utley| Australian Broker| 15 October 2019 https://www.brokernews.com.au/news/breaking-news/first-home-buyer-scheme-advances-to-next-step-267272.aspx The Senate has passed the legislation that will move the First Home Loan Deposit Scheme closer to becoming a reality. The passage of the bill, originally introduced one month ago, means the National Housing Finance and Investment Corporation (NHFIC) will be able to offer the deposit guarantees […]
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Mark Humphrey-Jenner| The Conversation| 14 October 2019 https://theconversation.com/four-questions-about-mortgages-the-accc-inquiry-should-put-to-the-big-four-banks-125224 The Australian Competition and Consumer Commission conducted an inquiry into mortgage pricing as recently as last year. Now Treasurer Josh Frydenberg has asked it to do another, broader one, in order to ensure the banks’ pricing practices are “better understood”, and perhaps also to concentrate their minds […]
[...]Phillip Coorey| Australian Financial Review| 14 October 2019 https://www.afr.com/politics/federal/big-banks-face-new-accc-pricing-probe-20191013-p5307r Treasurer Josh Frydenberg has charged the consumer watchdog with investigating the refusal of the banks to pass on in full the recent spate of interest rate cuts, creating the potential for a further round of government intervention. After his calls for the banks to pass on […]
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