Mortgage brokers offering private funding stand to profit from the ATO’s upcoming change where interest on unpaid tax debts will no longer be tax deductible from 1 July 2025. This policy makes outstanding tax debts more expensive for clients, increasing their financial strain and potentially reducing their borrowing capacity with traditional lenders. Brokers with access… Read More »
Australian mortgage brokers are navigating a market defined by affordability constraints, persistent supply bottlenecks, shifting migration trends, and a new layer of global political complexity. Opportunities and strengths for mortgage brokers: Private Funding OZ-wideAll types of real estate security are consideredFunds to complete – 1st or 2nd mortgage80% NON-CODE Private FundingDirect enquiries welcome – No… Read More »
Australian mortgage brokers are entering a period of both considerable opportunity and fresh challenges, shaped by changes in tax policy, evolving market dynamics, increased regulatory scrutiny, and shifting client needs. Here’s an informed overview of the current landscape and its direct implications for brokers. Tax Reform and Policy Changes Proposed reforms to negative gearing and… Read More »
House valuations are pivotal in the world of property and finance, offering objective insights into a property’s worth. Whether you’re buying, selling, refinancing, or dealing with inheritance issues, understanding how valuations are determined can help you make better-informed decisions. Key Valuation Methods Property valuers rely on several established methodologies to assess a home’s worth, each… Read More »
Supply Constraints and Market Competition Brokers are contending with limited housing supply amid slow planning and environmental approvals, which continue to restrict listings and purchasing activity. In commercial property, heightened competition among developers is generating both risk and opportunity, especially for brokers with clients eager to explore alternative asset classes. Rising Loan Sizes and Market… Read More »
The rise of AI in finance is poised to significantly disrupt the mortgage broking industry, potentially rendering traditional roles obsolete in the coming years. As borrowers gain direct access to sophisticated AI tools, the need for intermediaries like mortgage brokers is likely to diminish. Below, I outline how AI is reshaping borrower behaviour and why… Read More »
Shifting Lender Culture Australia’s mortgage sector is experiencing a leadership reset at major banks, with senior executives signalling organisational transformation is now essential. Comment from ANZ’s new chief executive highlights an internal push for clarity, accountability, and customer-focused service standards. These cultural priorities are expected to roll through lending divisions, potentially tightening expectations on broker… Read More »
Rebounding House Prices Drive Activity Australian house prices are posting robust gains across capitals and select regional markets in 2025. Sydney’s median house price has reached a record $1.72 million, rising 2.6% in the June quarter alone. The upper end of the market, showcased by Bellevue Hill’s approach to the $10 million median, signals buoyant… Read More »
Market Activity and Settlement Trends Property settlement volumes have ticked up, with a 3.2% increase nationwide in the last financial year. Modest growth is reported across most states, particularly in Queensland. The total value of settled properties climbed 9.4%, reflecting price appreciation. This broader recovery signals better business prospects and more client demand for lending… Read More »
Shifting Demographics and the Housing Shortage Australia’s housing market continues to be shaped by deep demographic shifts. Household sizes have steadily declined, meaning more dwellings are needed for the same population base. At the same time, population growth has outpaced the delivery of new homes, intensifying the housing shortage. This chronic shortfall keeps demand elevated,… Read More »