Immigration has long been a cornerstone of Australia’s economic and demographic strategy. But as policymakers debate reducing the annual immigration intake to 180,000 people, the question remains: what would this mean for inflation, labour markets, and long-term economic growth? Australia’s Ageing Population and Dependency Ratio Australia’s population is ageing rapidly. The old-age dependency ratio—the number of […]
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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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MFAA | 19 June 2019 https://www.mfaa.com.au/news/mortgage-brokers-record-highest-ever-market-share-amidst-tough-market-conditions The mortgage broker channel has recorded its highest ever residential home loan market share result with brokers settling 59.7 per cent of all residential home loans during the January – March 2019 quarter, according to the latest data released by research group comparator, a CoreLogic business, and commissioned by the […]
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Mortgage Business | 2 July 2019 https://www.mortgagebusiness.com.au/breaking-news/13565-open-banking-regime-commences The financial services sector has officially ushered in the first phase of the new open banking regime. The 2019-20 financial year has kicked off with the launch of the open banking regime, a framework designed to facilitate the open exchange of data in the private sector, beginning with […]
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Mortgage brokers now arrange more loans than lenders do directly. 59.7 per cent of home loans are now arranged by mortgage brokers rather than by someone applying directly through their bank, according to Corelogic research. And the trend looks set to continue, with some industry-insiders predicting, ultimately, brokers will arrange 75 per cent of loans. […]
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Henry Belot| The New Daily| 29 March 2019 https://thenewdaily.com.au/news/national/2019/03/29/labor-negative-gearing-concessions/ A Labor government would scrap negative gearing concessions for new investors on January 1 next year, earlier than many analysts and commentators predicted. Shadow Treasurer Chris Bowen said the long-awaited start date would still provide enough time for scrutiny of the legislation and more industry consultation. […]
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Stephanie Chalmers| ABC Online| 27 March 2019 https://www.abc.net.au/news/2019-03-27/anz-and-nab-bosses-face-parliamentary-grilling/10943760?section=business The bosses of ANZ and NAB have told a parliamentary hearing their banks are willing to lend, amid a greater focus on responsible lending in the wake of the banking royal commission. Key points: The bosses of ANZ and NAB are facing their biannual grilling by a […]
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Philip Coorey, John Kehoe & Natasha Gillezeau| Australian Financial Review| 12 March 2019 https://www.afr.com/news/politics/coalition-backs-down-on-ending-trail-commissions-for-mortgage-brokers-20190312-h1caoj The federal government has backflipped on a key recommendation of the banking royal commission and will no longer ban trail commissions for mortgage brokers from 2020, as it promised to do last month. Instead, it will hold a review into whether […]
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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 […]
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The Australian property market in 2024 promises to be an intriguing dance between opportunity and headwinds. While the past year saw subdued growth compared to the 2022 boom, whispers of potential interest rate cuts and the final stage of tax cuts add complexity to the forecast. So, what can we expect? Interest Rate Rollercoaster: Interest […]
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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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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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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. […]
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Time is running out for Australian property investors using Self-Managed Super Funds (SMSFs) to purchase residential property. Following sweeping reforms introduced under the 2026 Federal Budget, the government has legislated a ban on new limited recourse borrowing arrangements (LRBAs) for residential property inside SMSFs. Any buyer who wants to complete their investment strategy under the current rules must exchange contracts by […]
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Secret – It’s not Tax incentives Across the 1990–2025 period, Australian property prices rose through multiple booms, slowdowns and resets. Tax settings such as negative gearing and the CGT discount often get the spotlight, but a calmer, credit-focused view suggests the bigger, more consistent forces were: That doesn’t mean tax incentives had no impact. They […]
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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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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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Domain Research| 23 June 2022 Domain Spotlight Report – New South Wales It’s no secret that the NSW property market is the priciest in Australia, and Sydney competes on a global scale as one of the world’s most expensive cities in which to purchase a home. Though you’ll be hard-pressed to match the lifestyle and […]
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Phoebe Loomes| New Daily| 19 June 2022 NSW to introduce ‘shared equity’ scheme to boost home ownership (thenewdaily.com.au) Frontline workers and singles over 50 will receive “a leg up” into the NSW property market, with the state government to introduce a shared equity housing scheme in this week’s budget. Premier Dominic Perrottet says housing affordability is […]
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Robert Harley| Australian Financial Review| 23 June 2022 https://www.afr.com/property/commercial/buyer-beware-the-choice-between-land-tax-and-stamp-duty-20220622-p5avlt Karl Fitzgerald, the advocacy director at Prosper Australia, is a strong believer in the benefits of replacing property stamp duty with a broad-based land tax. But he has a warning for first-home buyers attracted to the Perrottet government’s proposal for an opt-in annual land tax to replace stamp […]
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Richard Gluyas| The Australian| 23 June 2022 https://www.theaustralian.com.au/business/financial-services/council-of-financial-regulators-closely-watching-housing-market-for-financial-stress/news-story/f81e7d9ea6c66788424489b8cb80f9bf The Council of Financial Regulators is keeping a close eye on emerging risks in the housing market, amid rising pressure on household budgets from banks passing on Reserve Bank rate hikes to their customers. The CFR, which had its regular quarterly meeting of the four main financial […]
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https://theconversation.com/vital-signs-whats-wrong-with-australian-mortgages-theyre-fixed-for-shareholders-not-home-owners-176234 Richard Holden| The Conversation| 4 February 2022 If you’re paying off a mortgage – or aspiring to – imagine if you didn’t have to worry so much about rising interest rates. That’s already the reality for US home buyers. Unlike in Australia, most mortgages in the US have a fixed-interest rate, locked in for […]
[...] https://www.mortgagebusiness.com.au/breaking-news/16488-housing-supply-needs-to-be-more-flexible-rba-governor Annie Kane| Mortgage Business| 14 February 2022 The supply of “well-located” land needs to be addressed to improve housing affordability, the governor of the Reserve Bank of Australia, Philip Lowe, has said. Speaking to the House of Representatives standing committee on economics for its hearing on monetary policy on Friday (11 February), the governor […]
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