Credit Policy Changes That Matter More Than Headline Rates
14 September 2026
Interest rates have been on a rollercoaster ride over the past few years, and 2026 is proving no different. With the Reserve Bank of Australia (RBA) adjusting the cash rate in response to inflationary pressures and global economic shifts, mortgage brokers are playing a crucial role in helping clients make informed decisions. For many Australians, […]
[...]
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 […]
[...]
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 […]
[...]
Joey Moloney and Breandan Coates| The Conversation| 7 June 2022 The housing game has changed – interest rate hikes hurt more than before (theconversation.com) The Reserve Bank has lifted the cash rate for the second time in two months, this time by 0.50 points to 0.85%. It won’t be the last such hike. Forecasters expect […]
[...]
Annie Kane| Mortgage Business| 25 November 2020 https://www.mortgagebusiness.com.au/breaking-news/15166-declining-mortgage-rates-expected-to-continue-rba The average mortgage interest rate paid by households is expected to continue to decline “for a while yet”, according to the central bank. Speaking at the Australian Business Economists Webinar on Tuesday (24 November), the deputy governor of the Reserve Bank of Australia (RBA), Guy Debelle, noted […]
[...]
Michae Pascoe| The New Daily| 4 November 2020 https://thenewdaily.com.au/finance/2020/11/04/michael-pascoe-housing-prices/ The first lesson this week was that when offered cheap money, a significant number of Australians will rush to buy residential real estate, recession or not. The second lesson was this is pretty much what core economic policy has been reduced to in Australia – inflating […]
[...]
https://au.finance.yahoo.com/news/now-is-the-time-to-buy-stop-renting-property-experts-warn-003604463.html Anastasia Santoreneos| Yahoo Finance| 8 September 2020 Australians in all capital cities, bar Sydney and Melbourne, would be better off buying a home than renting it, new data has revealed. According to Pete Wargent, co-founder of online buyers’ agency marketplace BuyersBuyers.com.au, it’s more compelling to purchase, rather than rent, a home in most states […]
[...]
Thankfully the banks and government appear to have stepped up to the plate – one economist calculates that the total economic stimulus offered by the government is the equivalent of an 11 per cent boost to the economy. And the banks have announced a small business assistance package which will apply to more than $100bn […]
[...]
Are you one of those people who spend hours online or in stores trying to find the best discount on the latest gadget or fashion item? If the answer is yes and you also have a mortgage, then new data from the Reserve Bank shows you should probably divert some of that time to finding […]
[...]
Lucy Dean| Yahoo Finance| 30 October 2021 $47,000 gone: Major new mortgage rules from Monday (yahoo.com) Australians hoping to buy property will be forced to prove they can repay their mortgage if rates rise 3 per cent, under new rules coming into place on Monday 1 November. The Australian Prudential Regulation Authority (APRA) announced the higher […]
[...]
Jessica Irvine| Sydney Morning Herald| 5 October 2021 https://www.smh.com.au/business/the-economy/time-for-a-crackdown-on-liar-loans-to-douse-home-price-bonfire-20211004-p58x3g.html Since deciding to become a property investor, I’ve experienced a range of emotions, including both guilt and pride – don’t let anyone tell you it isn’t possible to feel two conflicting emotions at the same time. Both, however, have given way in recent weeks to the […]
[...]
Euan Black| The New Daily| 21 July 2021 https://thenewdaily.com.au/finance/dollars-and-sense/2021/07/21/home-loans-six-questions/ Buying your first home is a rite of passage in Australia but not something to be rushed. Thorough research and planning is essential to securing the best deal possible and could end up saving you tens of thousands of dollars over the life of a loan. […]
[...]
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 […]
[...]
This week, a number of finance regulators said they were turning their mind to enforcing robust lending standards. Straight after, CBA announced it was adopting a more conservative stance in its lending policy. Accredited Broker believes these changes are more apparent than real and that the real purpose was to make borrowers realise that easy […]
[...] Michael Roddan| Australian Financial Review| 22 June 2021 https://www.afr.com/companies/financial-services/one-in-five-have-a-liar-loan-experian-20210622-p5833i One in five Australians have fibbed to the bank when applying for a loan in order to avoid being knocked back by the lender, raising concerns about the return of “liar loans” in a surging housing market. Slightly more than 40 per cent of lies when applying for […]
[...]
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 […]
[...]
The Australian property market has been a topic of debate for many years, with many experts weighing in on the various factors that affect it. One of the current debates centers on the impact of low numbers of house starts leading to an undersupply of properties. This, combined with the forecast of high immigration levels, […]
[...]
Charbel Kadib| Mortgage Business| 3 September 2019 https://www.mortgagebusiness.com.au/breaking-news/13765-credit-curbs-in-sight-as-housing-rebound-accelerates Regulators could consider a fresh round of macro-prudential measures to keep debt levels at bay, according to one analyst, amid the growing possibility of a “V-shaped” recovery in the housing market. Property research firm CoreLogic has released its latest Hedonic Home Value Index, reporting a 0.8 per […]
[...]Charbel Kadib| Mortgage Business| 20 September 2019 https://www.mortgagebusiness.com.au/breaking-news/13822-debt-to-income-lending-caps-touted-as-future-credit-curbs?utm_source=MortgageBusiness&utm_campaign=MBDaily%20bulletin20_09_19&utm_medium=email&utm_content=1 Regulators could move to set caps on loan volumes for borrowers with high debt-to-income ratios if the housing market recovery continues to accelerate, according to analysts. Over the past few months, the housing market has shown signs of recovery after a prolonged period of subdued activity, which […]
[...]Anastasia Santorenos| Yahoo Finance| 18 September 2019 https://au.finance.yahoo.com/news/new-credit-laws-to-see-homeowners-pocket-extra-40000-015323644.html Australian homeowners could now save around $40,000 over the course of their mortgages under new credit reporting laws introduced by the federal government. The laws, which were first introduced in 2014, have finally been adopted by the big banks, with Commonwealth Bank implementing the changes on Tuesday […]
[...]Charbel Kadib| Mortgage Business| 3 September 2019 https://www.mortgagebusiness.com.au/breaking-news/13765-credit-curbs-in-sight-as-housing-rebound-accelerates Regulators could consider a fresh round of macro-prudential measures to keep debt levels at bay, according to one analyst, amid the growing possibility of a “V-shaped” recovery in the housing market. Property research firm CoreLogic has released its latest Hedonic Home Value Index, reporting a 0.8 per […]
[...]Melanie Mingas| Australian Broker| 11 September 2019 https://www.brokernews.com.au/news/breaking-news/asic-to-appeal-steak-and-shiraz-ruling-266153.aspx ASIC has filed an appeal with the Full Federal Court of Australia after its responsible lending case against Westpac was dismissed during court proceedings last month. The loss dealt a significant blow for ASIC: it was the first legal test of the 2009 NCCP Act and the […]
[...]Charbel Kadib| Mortgage Business| 14 August 2019 https://www.mortgagebusiness.com.au/breaking-news/13706-it-s-just-too-hard-anz-ceo-laments-credit-scrutiny ANZ will maintain a conservative approach to mortgage lending until the industry receives further clarity from regulators, CEO Shayne Elliott has said. Speaking at Aussie Home Loans’ 2019 Imagine conference in Sydney, ANZ CEO Shayne Elliott lamented the current state of affairs in the home lending space. […]
[...]Our head office is located in North Sydney. However, Accredited Broker has offices and training areas nationwide. Level 3 /97 Pacific Hwy North Sydney NSW 2060
POST PO Box 6478 North Sydney NSW 2059
1300 136 947
