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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Headline eased to 3.5%. Trimmed mean is 3.6% for a third month. That is the serviceability conversation — not an ‘inflation is falling’ client SMS.
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SQM held national vacancy at 1.3% in July as listings rose to 40,771. The investor desk conversation is serviceability, not a crisis-over headline.
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Cotality modelled a 20% fall from peak in each capital — not a crash forecast. Perth resets to April 2025. Melbourne past 10% wipes five years. Stop quoting one national number.
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Just 87 of 48,000 five-per-cent-deposit buyers are in negative equity, but 48% hold equity of 5% or less. What that means for broker advice.
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