Jennifer Austin | The Broker Times

Westpac’s Proprietary Channel Held at 3.9 Days Through Its Busiest Half While Third-Party Decisions Hit 6.1. RG 273.77 Says Your Turnaround Claim Has to Be Evidence-Based

Posted by Jennifer Austin | Nov 4, 2026 | News |

Westpac’s FY26 pack puts proprietary decisions at 3.9 days and third-party at 4.8. What the channel split means for your lender notes under RG 273.77.

Three of Nine Board Members Voted to Hold at 4.60%. The RBA Moved Its Return-to-Band Date Out About Three Quarters — and RG 273.116 Asks About Your Client, Not the Cash Rate

Posted by Jennifer Austin | Nov 3, 2026 | News |

The RBA lifted the cash rate to 4.85% on a 6-3 vote and pushed inflation’s return to band out to late 2027. What RG 273.116 asks of your next file.

Low-Doc Arrears Hit 4.9% Against 1.01% Across the Book. That 4.9% Sits on About 0.1% of Bank Mortgages — and Your Alt-Doc File Isn’t in It

Posted by Jennifer Austin | Nov 3, 2026 | News |

Canstar puts bank low-doc arrears at 4.9% against APRA’s 1.01% across the book. Why the figure misses most alt-doc files, and what RG 273 asks of yours.

Combined Capital Values Have Fallen 8.1% in Seven Months Against a Record 8.2%. Cotality Puts the Capacity Loss at 11.5% — the Larger Number Is on Your File

Posted by Jennifer Austin | Nov 2, 2026 | News |

Cotality’s October index shows capital values down 8.1% in seven months. The borrowing-capacity loss is larger – and that is the number on your file.

Suncorp’s Own Example Puts the ANZ Minimum $1,060 a Month Higher. The Rate Never Moves — and RG 273.118 Says the Review Is the Trigger

Posted by Jennifer Austin | Oct 31, 2026 | Compliance |

Suncorp’s Move Hub puts the ANZ minimum repayment $1,060 a month higher on one example loan. The rate never moves — and reviewing the file triggers BID.

Author: Jennifer Austin

Westpac’s Proprietary Channel Held at 3.9 Days Through Its Busiest Half While Third-Party Decisions Hit 6.1. RG 273.77 Says Your Turnaround Claim Has to Be Evidence-Based

Three of Nine Board Members Voted to Hold at 4.60%. The RBA Moved Its Return-to-Band Date Out About Three Quarters — and RG 273.116 Asks About Your Client, Not the Cash Rate

Low-Doc Arrears Hit 4.9% Against 1.01% Across the Book. That 4.9% Sits on About 0.1% of Bank Mortgages — and Your Alt-Doc File Isn’t in It

Combined Capital Values Have Fallen 8.1% in Seven Months Against a Record 8.2%. Cotality Puts the Capacity Loss at 11.5% — the Larger Number Is on Your File

Suncorp’s Own Example Puts the ANZ Minimum $1,060 a Month Higher. The Rate Never Moves — and RG 273.118 Says the Review Is the Trigger

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