Commentary on credit markets, interest rates and the broader Australian business environment, prepared for brokers, developers and investors operating in this asset class.
Redemption limits and ASIC scrutiny are reducing some private lenders' capacity to fund deals. Why a lender's funding source now matters as much as its rate, and what brokers should ask.
After the fifth rate rise of 2026, economists expect the RBA to pause in December, but the RBA's own forecasts point to rates staying high through 2027. What borrowers should plan for.
Victoria's granny flat limit has risen from 60m² to 80m². What the change means for property investors, the building-rules catch, and how lenders assess funding for a second dwelling.
Both major parties have pledged to lift Victoria's land tax threshold back to $300,000. What the election promises could mean for property investors, business owners and commercial property holding costs.
The proposed 30% minimum tax on discretionary trusts could prompt thousands of businesses and investors to restructure. What it means for stamp duty, property transfers and existing loans.
ATO debt, a past default or a difficult year doesn't automatically rule out funding. How business-purpose lenders assess complex credit histories, and what borrowers should prepare.
The RBA has raised the cash rate to 4.85%, its fifth rise this year, in a split decision. What it means for business borrowers, property investors and refinance plans.
Annual CPI rose to 4.3% in September, which helped trigger the RBA's rate rise. What it means for borrowing costs through 2027 and how to plan your funding.
National home values fell 1.2% in October, the seventh monthly fall in a row. What the fastest downturn in 40 years means for security values, LVRs and property-backed lending.
Mirvac's latest update shows residential sales and buyer enquiries slowing sharply. What harder presales mean for development finance, residual stock and developer exits.
SME business loan enquiries are up 14% year on year as firms borrow to cover day-to-day costs. How to tell borrowing for growth from borrowing to survive, and when property-secured funding fits.
House prices fell 4.7% last quarter, the steepest drop on record, across every capital city. What a buyer's market means for investors, developers and property-backed business borrowers.
Victorian agents must now publish the reserve price seven days before auction. What the new underquoting laws mean for investors and business buyers, and how they arrange finance.
In a falling market, lender valuations often come in below the purchase price or the owner's expectations. Why it happens, how it affects business and investment loans, and what your options are.
When properties take longer to sell, the order of selling one asset and buying another matters. The risks of each approach for investors and business owners, and how bridging can help.
NAB's business confidence index has fallen into the bottom 5% of readings on record. How SMEs can protect cash flow ahead of the RBA's Melbourne Cup Day decision.
Investor mortgage applications at CBA have fallen 28% since the May Budget. What the post-Budget lending slowdown means for property investors, brokers and alternative funding.
The development industry says financing capacity and buyer spending power have both fallen about 10%. What that means for project feasibility, and what still gets funded.
Rent growth has slowed sharply as tenants hit an affordability ceiling. What flat rents, rising vacancies and higher rates mean for property investors and their lenders.
The ATO's ban on credit card tax payments has been delayed to 30 June 2027. What changed, why, and how SMEs should use the extra time to plan their tax funding.
The RBA's October 2026 Financial Stability Review looks closely at non-bank lending and private credit. What it means for commercial borrowers, developers and brokers.
Victoria is replacing stamp duty on commercial and industrial property with an annual tax. What CIPT and the government transition loan mean for your purchase funding.
Negative gearing changes apply to residential property only, but the CGT overhaul and SMSF borrowing ban reach further. What the new rules mean for commercial investors.
Construction remains Australia's most insolvency-hit industry. What to check about your builder before signing a contract and taking out a construction loan.
The ATO's plan to stop accepting credit cards has been delayed to 30 June 2027. What businesses with tax debt should do with the extra time.
Australia's housing downturn is now broad-based. What falling values mean for valuations, LVRs, refinancing and exit strategies for property-backed borrowers.
Private credit became a major funder of Australian property development as banks stepped back. Here's what developers and brokers should expect next.
ASIC has moved "beyond warnings" on private credit. What its 10 principles mean for brokers and borrowers, and the questions worth asking any non-bank lender.
Bathla's $3.4 billion collapse is a hard lesson in development risk. What developers and brokers can learn about exit strategy, valuations and funding structure.
The RBA's fourth rate rise this year takes the cash rate to a 15-year high. We look at what it means for borrowing capacity, bank lending appetite and the case for property-backed private finance.
Collectable ATO debt has reached $54.2 billion, with small business carrying almost two-thirds of it. We look at why refinancing alone is rarely the answer — and what a credible plan actually requires.
Why a second mortgage can unlock equity without disturbing an existing facility — and what a private lender is really looking at when it sits behind another registered mortgage.
Buying before selling, auction settlements, and developments running ahead of a sales campaign. What actually makes a bridging facility work is the exit — not the rate.
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