Re-Pricing, Rental Yields, and Capitalizing on the Lending Boom
Recent data from Q3 2025 shows a staggering 17.6% surge in the value of new investor loan commitments. This creates a massive opportunity for brokers ready to handle complex scenarios.
Tap to visualize the market shift
With variable rate relief delayed, the traditional "rate check" call is losing value. Pivot your client discussions to loan structure optimization.
Self-employed investors often don't fit the "two-year tax return" box. Use these tactics to secure finance for complex clients.
When to Use:
Established businesses (2+ years ABN) showing strong recent growth not yet reflected in tax returns.
Broker Tip
Non-banks often annualise the last 12 months of GST turnover. Ensure all BAS are lodged on time before applying.
When to Use:
Complex structures (Trusts) or when tax returns are legitimately delayed.
Broker Tip
The letter must verify 'Add-Backs' (one-off expenses or depreciation) that aren't obvious on a standard P&L.
When to Use:
Strong cash flow but high deductions reducing taxable income.
Broker Tip
Clean statements are vital. Advise clients to separate personal expenses from business accounts 3-6 months prior.
Don't buy leads until you've filtered your own CRM. Follow this 4-step process to find investors hiding in plain sight.
Pull a list of clients with PPOR > 3 years. Include columns for: Occupation, Income, and Loan Balance.
Sort by Occupation. Look for: Medical, Legal, IT, Engineering, Management. Look for household income > $180k.
Estimate current value. Formula: (Value * 0.80) - Debt = Usable Equity. If >$100k, they are a prospect.
Don't sell a loan. Offer a "Structure Check-Up" to ensure their equity isn't trapped.