MA Money’s new SMSF near-prime tier opens grandfathered refinances. But a new SMSF purchase now turns on the business real property test, not labels.
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NAB’s calculator V66 with updated HEM values is mandatory for new applications from 23 October, and its QBE LMI calculator now covers loans to $5m.
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Firstmac’s bridging loan now runs up to 12 months, capitalises interest and can assess end debt. The 1% setup fee is on peak debt. What to model first.
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Bluestone now applies CCR to all debts, takes one year of tax returns plus an NOA, and lifts prime loans to $5m under 70% LVR. What changes on your file.
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Macquarie’s broker guidelines count 95% of gross rent, then apply a 15% expense floor underneath. What actually reaches servicing on an investor file.
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Firstmac’s alt-doc debut starts at 6.99% at 70% LVR on six months of BAS. Why RG 273.61 now makes the harder file note which alt-doc lender, not whether.
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Capital-city homes now take 39 days to sell and go 4.4% under asking. What that does to projected end debt and the bridging term on your file.
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Rents hit a record $675 a week while vacancy rose to 1.5%. On AFG Align’s guidelines, 80% of that rent reaches servicing, and the valuation decides the figure.
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Brokers report average family deposit contributions of $71,000. On current lender policy, a gift only counts as genuine savings after three months.
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Bankwest now wants the latest NOA upfront, not an accountant’s letter. Granite Easy Refinance asks the self-employed for 24 months and a 750 Equifax score.
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Granite’s 40-year loan goes live 6 October, assessed over 35 years. The capacity gain on a $700,000 file is about 2.6%; the interest bill rises $356,000.
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Four 2026 rate rises may have cut a first home buyer’s $800,000 limit to about $720,000, says Alex Veljancevski. Why pre-approvals need a re-run now.
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