The Lending Market Is Splitting in Two — Here’s What’s Happening Right Now
A Market Moving in Two Different Directions The lending world is changing quickly, and 2025 is shaping up to be a year where the gap between major banks and specialist lenders becomes even more obvious. While the big banks are tightening up and investing heavily in their direct, in-branch channels, non-bank lenders are moving in […]
Before You Consolidate Your Debts: A Practical Guide for Home Loan Seekers
When someone comes to me about getting a home loan, one of the first things we go through is their current debts. Car loans, credit cards, personal loans — all of these influence how much you can borrow and how comfortable your repayments will feel. Plenty of people jump straight to:“Should I consolidate everything into […]
WHAT THE NEW 20% DTI RULE MEANS FOR BORROWERS FROM 1 FEBRUARY
APRA has announced a change that will affect how banks assess home loans from 1 February, especially for borrowers stretching their borrowing capacity. If you’re planning to buy, refinance, or invest, this update is worth understanding because it can influence: Let’s break it down in simple terms. What Is DTI? DTI stands for Debt-to-Income. It’s […]
Mortgage Outlook for 2026: What Borrowers Need to Know Now
The end of the year has brought a mix of steady and shifting signals across rates, housing affordability, and employment. And while the headlines can feel overwhelming, they all boil down to one simple question most people ask: “What does this mean for my mortgage?” The RBA has held the cash rate at 3.60% again, […]