No-Clawback Is a Best-Interest Question Now
ORDE, La Trobe and MA Money are scrapping clawback. Here’s how to factor it into lender choice without breaching your Best Interests Duty obligations.
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Author: Jennifer Austin
The 20% Speed Limit: How APRA’s New DTI Cap Rations Your High-Debt Files
APRA’s new cap limits DTI 6+ loans to 20% of new lending. Here’s how brokers sequence high-debt files, keep a fallback ready, and protect the pipeline.
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The Trust Lending Freeze Spreads: A 2026 Decision Tree for SMSF, Family Trust and Non-Resident Files After Macquarie and Firstmac
Trust lending in 2026: the four-band lender panel, decision tree, and BID steps for SMSF, family trust and non-resident files after Macquarie’s pause.
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Open Banking and ATO Data: The File Standard Quietly Replacing Payslip Verification – and What Brokers Should Rebuild First
Open banking plus ATO data is becoming the new mortgage file verification standard. Why it matters now and the 90-day adaptation steps for Australian brokers.
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Negative Gearing’s 1 July 2027 Cutover: Restructuring Investor Client Pipelines Before the Established-Property Cliff
The 13-month window to reposition investor pipelines before the 1 July 2027 negative gearing and CGT cutover. Grandfathering, dual scenarios, lender response.
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