The ABC report on RBA Governor Michele Bullock’s Senate appearance highlights that the expanded First Home Guarantee scheme—allowing buyers to enter the market with deposits as low as 5% could increase high-risk lending, negative equity exposure, and mortgage stress. For Australian mortgage brokers, this shifts the legal and ethical landscape of broking into a higher-risk territory. Risks to Mortgage… Read More »
Australian property is not what it was five years ago. The government’s schemes mean first-home buyers can get in with a smaller deposit. That sounds helpful—until you look at the risks. First, the policy lets buyers move faster, save thousands on lenders mortgage insurance, and buy before prices rise. But with more people bidding, prices… Read More »
Deposit Scheme Frenzy – What It Means for Mortgage Brokers The Courier Mail’s report on the shock price surge sparked by the expanded Home Guarantee Scheme reads like déjà vu for many of us in the industry. Once again, well-meaning government policy collides with market psychology, and the result is predictable: FOMO-fuelled property inflation. For mortgage… Read More »
Australia’s recent move to create and export a housing “pattern book” of architecturally designed homes underscores an evolving strategy to tackle both domestic and global housing shortages. This initiative, which aims to provide a catalogue of adaptable housing solutions, brings several opportunities and challenges for mortgage brokers in Australia. Key Advantages The pattern book approach… Read More »
Australian mortgage brokers face a challenging but opportunity-rich landscape in 2025, with housing supply falling short of ambitious government targets, prices continuing to climb, and brokers taking a central role in guiding clients through complex market conditions. Housing Supply Crisis Australia’s National Housing Accord aims for 1.2 million new homes in five years, meaning 240,000… Read More »
Australian housing market conditions remain under considerable strain as policymakers and industry grapple with persistent supply shortages and shifting borrower profiles. The government’s ambitious target to build 1.2 million new homes over five years—an annual pace never achieved in Australia’s history—highlights the urgency, yet recent performance suggests supply will continue to lag behind demand. This… Read More »
Private lending in Australia represents an increasingly dynamic segment of the finance landscape, providing mortgage brokers with fresh opportunities and new challenges. As traditional bank lending criteria tighten and clients look for faster, tailored solutions, private lending stands out as a viable route for both brokers and their clients. The Appeal of Private Lending Private… Read More »
In the Australian mortgage market, private lending has become a highly relevant option for both borrowers and brokers. Unlike traditional bank lending, which is heavily regulated and documentation-driven, private funding provides a flexible environment where speed and tailored solutions are often prioritised. From a broker’s perspective, one of the greatest advantages is the ability to… Read More »
Summary of SMH article: The real estate industry has once again come under scrutiny, with growing concern around the way some agents win listings by inflating property values, only to later pressure vendors into reducing expectations. While underquoting and vendor manipulation may look like a purely real estate problem, the underlying issue is relevant across… Read More »
Market Forces Redefining the Broker Role In recent months, the Australian housing market has experienced dramatic shifts, reshaping the environment in which mortgage brokers operate. With homeownership increasingly supported by government policies, coupled with a booming yet segmented property market, brokers face a mix of challenges and fresh opportunities. The divergence between high-demand metropolitan areas… Read More »