Hey, Déjà vu! Again! Just like 2007
3 June 2026
As the mortgage and finance industry continues to evolve, many seasoned professionals — including mortgage brokers, accountants, and financial planners — are beginning to think about the next chapter in their careers. For those approaching retirement, succession planning is no longer just a corporate buzzword; it’s a vital strategy to ensure a smooth transition, protect […]
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Australia’s property market is heading into an exciting period, with three major forces shaping buyer behaviour and market activity: anticipated interest rate cuts, the traditional spring selling season, and the expanded First Home Guarantee Scheme. For mortgage brokers, real estate professionals, and first‑time buyers, understanding how these factors interact is key to making informed decisions. […]
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While a December inflation rate of 3.2% might initially seem like a positive development, it could spell trouble for Australian home loan borrowers. Here’s why: In summary, while a lower inflation rate might seem beneficial, the broader economic context and the interplay between RBA and FED rates could create challenges for Australian home loan borrowers. […]
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The Australian Bureau of Statistics (ABS) recently released data indicating that the monthly Consumer Price Index (CPI) rose by 2.3% in the year to November 2024. This increase in the CPI is a significant economic indicator that can have various implications for the mortgage industry. In this article, we will explore what this rise means […]
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The Reserve Bank of Australia (RBA) plays a pivotal role in shaping the country’s economic landscape, particularly through its influence on mortgage rates and the housing market. Understanding how the RBA’s decisions impact these areas can help homeowners, potential buyers, and investors make informed decisions. In this article, we explore the mechanisms through which the […]
[...]In a matter of weeks, the broking industry has gone from being on life support to having a major tick of approval from whichever party could form Government at the forthcoming federal election. After some left-field recommendations from the banking Royal Commission, many feared for the future for mortgage broking and how it gives a […]
[...]James Eyers & Joyce Moullakis| Australian Financial Review| 28 September 2018 https://www.afr.com/business/banking-and-finance/financial-services/banking-royal-commission-interim-report-end-to-trailing-commissions-for-mortgage-brokers-20180928-h15zcw Up-front and trailing commissions paid to mortgage brokers by lenders are making the home loan market more risky, the royal commission said in its interim report, keeping the prospect of a clampdown on broker pay alive. The report said “assertions” by Aussie Home […]
[...]Rebecca Pike| Australian Broker| 11 September 2018 https://www.brokernews.com.au/news/breaking-news/nab-makes-changes-to-broker-commissions-254779.aspx A major lender is making changes to how mortgage broker commissions are calculated, becoming the first of the big four to do so. NAB is introducing the changes in line with recommendations of the ASIC Broker Remuneration Review and Sedgwick Retail Banking Remuneration Review. From November 2018, […]
[...]The Adviser| 25 September 2018 https://www.theadviser.com.au/breaking-news/38291-86-of-investors-to-secure-next-loan-through-a-broker An increasing number of property investors are looking to secure their next loan through a mortgage broker as they seek alternative finance solutions amid tighter lending policies. According to a survey of 820 property investors from the Property Investment Professionals of Australia (PIPA), 86 per cent of property investors […]
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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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Sam Nicholls| Mortgage Business| 2 August 2022 Refinancing surges by 29% across east coast during FY22 – Mortgage Business The number of borrowers refinancing across Australia’s three eastern states hit record figures over the 2022 financial year, according to new PEXA data. As highlighted in PEXA’s latest Mortgage Insights Report, there was a record 331,976 property […]
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Annie Kane| Mortgage Business| 2 August 2022 Funding cost pressures should ease by 2023: Pepper – Mortgage Business Rising cost of funds are impacting both banks and non-banks at the moment, but should ease from next year, the non-bank lender’s treasurer has noted. The treasurer of Pepper Money, Anthony Moir, has outlined that while lenders […]
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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 […]
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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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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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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 […]
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James Frost and John Kehoe| Australian Financial Review| 17 June 2021 https://www.afr.com/companies/financial-services/apra-asks-banks-for-more-data-on-lending-20210617-p581rf The peak group of financial regulators have eyeballed the pick-up in home lending and the return of property investors as an emerging issue, with the boards of major banks asked to pledge they are maintaining lending standards and provide data proving they are […]
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Shane Wright & Clancy Yeates| Sydney Morning Herald| 19 June 2021 https://www.smh.com.au/politics/federal/banking-regulators-poised-to-tighten-lending-standards-to-cool-market-20210618-p5823u.html The Reserve Bank and the nation’s prudential regulator are poised to tighten lending standards in the face of soaring property prices and growing household debt as Treasurer Josh Frydenberg says higher house prices are good for the economy. The Commonwealth Bank, the nation’s […]
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Paul Ryan| Real Estate Insights| 31 March 2021 Why Regulators are Flying Blind When it Comes to Lending Risks (realestate.com.au) The decision on whether to intervene in a red hot housing market lies with our regulators. The problem is, they don’t have the right data to make the call. Property prices are surging in 2021, […]
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‘Be careful what you wish for’ goes the old adage. Nowhere is the more true than in proposed changes to Stamp Duty which may have huge impacts on the way the property market operates. Changes proposed by NSW (and likely to be followed by other states will see stamp duty phased out and replaced by […]
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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. […]
[...]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
