If you’ve been watching Australia’s economy lately and feeling a strange sense of familiarity, you’re not imagining it. The mix of heavy government spending, stubborn inflation, and a central bank trying to thread the needle has a “we’ve seen this movie before” vibe. This article isn’t about panic. It’s about pattern recognition—because in finance, the […]
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Why “Adding Mortgage Broking” Is a Strategic Move (Not a Product Add-On) Many accounting and real estate firms think adding finance and mortgage broking services is just a matter of offering a new product. It’s not. It’s a strategic move that can make or break your business. Most firms rush in without proper planning. They […]
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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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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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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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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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Jayden Fennell| Australian Broker] 13 September 2022 New MFAA CEO seeks greater broker market share (brokernews.com.au) The new CEO of the MFAA says she is well aware of the challenges that brokers face, including channel conflict, given she has more than two decades of financial services industry experience. But Anja Pannek (pictured above), interviewed by […]
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There’s no doubt that the property market is in a downturn – with the Reserve Bank predicting price drops of around 15 per cent. However, one major developer is predicting the market will be in balance by 2024. Ups and downs are regular parts of the property cycle. However, one trend that will continue regardless […]
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Joyce Moullakis| The Australian| 2 August 2022 https://www.theaustralian.com.au/business/financial-services/lenders-offering-cheaper-mortgage-rates-for-customers-with-bigger-deposits/news-story/5a40bc4aa10306b296ad6f0f4da39399 A greater number of lenders are wooing home loan borrowers who have bigger deposits with markedly cheaper rates – as mortgage customers brace for a fourth 2022 rate rise this month. The Reserve Bank has applied three rapid-fire rate increases since early May totalling 1.25 per cent […]
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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 […]
[...] 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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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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Many brokers risk being cut off if they have not completed their mortgage broking diploma. Recent legislative changes mean brokers who want to obtain the diploma will be required to complete the new Diploma of Finance and Mortgage Broking Management course, (FNS50320) if they have not completed the previous diploma (FNS50315) by the end of […]
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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 […]
[...] 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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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