Credit Policy Changes That Matter More Than Headline Rates
14 September 2026
Any property buyer can tell you that the lending world has changed. But, changed lending criteria driven by the Australian Prudential Regulation Authority (APRA) is superficial compared to what is about to happen due to technological changes. Fintech has the potential to radically transform the world of property and finance – yet it also implies […]
[...]James Eyers| Australian Financial Review| 28 September 2018 https://www.afr.com/business/banking-and-finance/financial-services/banking-royal-commission-interim-report-business-lending-in-the-clear-20180928-h15zcu Business lending is highly unlikely to face calls for tougher regulation in the final report of the royal commission, after Commissioner Kenneth Hayne suggested the hearings did not identify any need for consumer law protections to be extended to cover small business loans. “The evidence and […]
[...]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 […]
[...]John Kehoe| Australian Financial Review| 23 September 2018 https://www.afr.com/news/small-business-blames-real-tightening-in-credit-on-the-banking-royal-commission-20180922-h15qg6 Small business says it is facing a credit crunch and is blaming the royal commission into financial services for causing nervous banks to slow lending to the self-employed. The moderation in lending to small firms in recent months appears to be an unintended consequence of anecdotal […]
[...]Rebecca Pike| Australian Broker| 27 September 2018 https://www.brokernews.com.au/news/breaking-news/bank-withdraws-smsf-lending-255441.aspx The number of banks offering self-managed super fund (SMSF) lending has dropped again as another lender announces it is pulling the product from its offering. AMP has followed similar moves from CBA and Westpac in discontinuing the lending. The bank said it will continue to support existing […]
[...]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, […]
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