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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CommBank releases up to 80% of a prefab build offsite, but land equity is the cap that actually binds. What brokers should check before quoting a client.
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Ten lenders lifted 266 fixed rates in a week while two cut variables. CBA’s two-year now sits above the average variable rate. What it means for your files.
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Only 23% say their new build finished on time and HIA new home sales fell 10%. How brokers should stress-test construction files under RG 273 and RG 209.
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Since the Budget, buyer’s agent Heath Bassett says almost every investor asks about company and trust ownership. What it means for the broker’s loan file.
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Households plan $85bn in energy upgrades and name upfront cost as the barrier. Why most green home loans miss retrofits and which rails brokers can use.
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Longer terms, 10-year IO and lower non-ADI buffers restore investor servicing after the Budget. None of them move DTI, and one may not move servicing.
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Help to Buy demand is forecast to top its 10,000 annual places. The refinance and buy-out rules every broker should explain before positioning it.
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Three majors now call a hike. 35 lenders have cut new-money variables since 1 June and 52 sit below 6%. That is the loyalty-tax list, not September.
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CBA’s ahead share slipped to 85% from 87%, and offsets fell $3bn to $94bn. That is the crack, not the 50th bank with a 5-handle.
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