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Read our News Articles

• Enhanced Access to Home Ownership: Expansion of 5% Deposit Scheme

  The Australian Finance Industry Association (AFIA) has welcomed Housing Australia's recent decision to expand lender access to the Australian Government's 5% Deposit Scheme. This strategic move is set to increase competition among lenders and provide prospective home buyers with greater access and choice in the housing finance market.

• National AI Plan: A Catalyst for Australia's Finance Industry

  The Australian Finance Industry Association (AFIA) has expressed strong support for the Albanese Government's recently unveiled National AI Plan, viewing it as a significant step toward unlocking the vast economic and productivity benefits that artificial intelligence (AI) can offer to Australia's finance sector.

• Non-Bank Lenders: A Pillar of Australia's Housing Finance

  The Australian Finance Industry Association (AFIA) has recently published an inaugural report focusing on residential mortgage non-bank lenders (RNBLs), highlighting their integral role in facilitating home ownership across the nation.

• ANZ Finalises Acquisition of Suncorp Bank for $4.9 Billion

  In a significant development for the Australian banking sector, ANZ has successfully completed its $4.9 billion acquisition of Suncorp Bank. This strategic move, finalised on 31 July 2024, marks a pivotal expansion for ANZ, enhancing its service offerings and market reach across the nation.

• Non-Bank Lenders Expand Presence in Australia's Mortgage Sector

  The Australian mortgage market is witnessing a notable shift as non-bank lenders increasingly capture a larger share, challenging the dominance of traditional banking institutions. This trend is driven by digital innovation and evolving consumer preferences, leading to a more competitive landscape in home financing.

• RBA Holds Cash Rate at 3.60% Amidst Economic Uncertainty

  In its latest monetary policy decision, the Reserve Bank of Australia (RBA) has opted to keep the official cash rate unchanged at 3.60%. This decision reflects the central bank's cautious approach in navigating the current economic landscape, balancing the need to control inflation with the goal of sustaining economic growth.

• Westpac's Bold Move: Prioritising Business Lending in New Strategy

  Westpac Banking Corporation is undertaking a significant transformation, focusing on expanding its business lending capabilities to better serve Australia's small and medium-sized enterprises (SMEs).

• LMG's Asset Finance Exchange Hits $80 Million Milestone in First Year

  Loan Market Group's (LMG) Asset Finance Exchange (AFX) has achieved a significant milestone, reporting approximately $80 million in settlements within its inaugural year. This accomplishment underscores the increasing demand for asset finance solutions among Australian small and medium-sized enterprises (SMEs).

• ASIC Advocates for Higher Standards in Private Lending Industry

  The Australian Securities and Investments Commission (ASIC) has issued a call for the private lending sector to elevate its standards, aiming to align more closely with established banking practices. This initiative follows a comprehensive review that revealed inconsistencies in reporting, opaque fee structures, and inadequate risk disclosures within the industry.

• Macquarie Bank Recognised for Excellence in Investment Property Lending

  Macquarie Bank has been honored as the Investment Property Lender of the Year in Money magazine's 2025 Consumer Finance Awards. This accolade highlights the bank's commitment to providing flexible and tailored loan products for property investors.

• Surge in Mortgage Refinancing as Homeowners Seek Better Rates

  The Australian mortgage market has witnessed a significant surge in refinancing activity, with nearly 100,000 loans refinanced in the June 2025 quarter. This marks the highest level since September 2023 and reflects homeowners' proactive responses to recent interest rate cuts by the Reserve Bank of Australia (RBA).

• Investor Loans Surge Amidst Australia's $12 Trillion Property Market Milestone

  Recent data from the Australian Bureau of Statistics (ABS) reveals a significant uptick in investor activity within the housing market. In the third quarter of 2025, new investor loans increased by 13.6%, contributing to a 12.3% annual growth.

• APRA Implements New Cap on High Debt-to-Income Home Loans

  The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market.

• Australia Leads Global Trends with 122% Surge in Sustainable Loan Issuance

  In the first half of 2025, Australia experienced a remarkable 122% increase in sustainable loan issuance, a stark contrast to the 21% decline observed globally during the same period. This surge underscores Australia's commitment to environmental sustainability and the growing integration of green finance within the nation's financial sector.

• RBA's October 2025 Financial Stability Review: Key Insights

  The Reserve Bank of Australia (RBA) has released its October 2025 Financial Stability Review, providing a comprehensive analysis of the nation's financial system amidst ongoing global economic uncertainties. The report underscores the resilience of Australia's financial institutions, while also highlighting areas requiring vigilant oversight.

• Australian Finance Departments Embrace AI and Automation

  In a significant shift towards digital transformation, Australian finance departments are increasingly adopting artificial intelligence (AI) and automation technologies to streamline operations and enhance decision-making processes. This trend reflects a broader global movement where financial institutions leverage technology to improve efficiency and maintain a competitive edge.

• Australian Finance Industry Navigates AI Integration Challenges

  The integration of artificial intelligence (AI) into the finance industry is reshaping traditional roles and responsibilities, prompting junior professionals in Australia to adapt and prove their value in an evolving landscape. As AI technologies automate routine tasks and enhance analytical capabilities, the human element in finance is being redefined.

• RBA Holds Cash Rate Steady Amid Inflationary Pressures

  The Reserve Bank of Australia (RBA) is anticipated to maintain its cash rate at 3.60% during the upcoming December 9 meeting, with projections indicating this rate will persist through 2026.

• APRA Implements New Cap on High DTI Home Loans

  In response to escalating property prices and accelerated credit growth, the Australian Prudential Regulation Authority (APRA) has announced a new regulatory measure to cap high debt-to-income (DTI) home loans.

• ASIC Highlights Concerns in Rapidly Growing Private Lending Sector

  The Australian Securities and Investments Commission (ASIC) has conducted a comprehensive review of the private lending sector, revealing significant inconsistencies and deficiencies. This scrutiny comes in response to the sector's rapid growth, with private credit extending approximately $200 billion in loans, primarily to higher-risk real estate players and property developers.

• APRA's New Cap on High DTI Home Loans: What Borrowers Need to Know

  The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market.

• CBA's Profit Marginally Up Despite Intense Mortgage Market Competition

  The Commonwealth Bank of Australia (CBA), the nation's largest lender, has reported a modest increase in its first-quarter cash profit, driven by robust growth in home loans and household deposits. The unaudited cash profit for the quarter reached approximately A$2.

• Non-Bank Lenders Face Increased Oversight Amid Surge in Property Loan Applications

  The Australian financial landscape is witnessing a notable shift as an increasing number of borrowers turn to non-bank lenders for property loans.

• Westpac Eases Home Loan Access for Self-Employed Borrowers

  Westpac Banking Corporation has announced significant changes to its home loan application process, specifically designed to assist self-employed Australians. Recognizing the unique challenges faced by this demographic, the bank has introduced a streamlined approach that reduces the documentation required, thereby expediting the approval process.

• CBA Implements Stricter Lending Criteria for Companies and Trusts

  The Commonwealth Bank of Australia (CBA) has revised its lending policies concerning companies and trusts, introducing stricter criteria that necessitate existing banking relationships for loan applicants. Effective November 22, 2025, this change applies to broker-introduced applications for non-individual borrowers.

• RBA Maintains Cash Rate at 3.60% Amidst Inflationary Pressures

  The Reserve Bank of Australia (RBA) has decided to keep the official cash rate steady at 3.60% during its November 2025 meeting. This decision reflects the central bank's ongoing concerns about inflation, which has risen above the target range of 2–3% and is expected to remain elevated for some time.

• ANZ Bank Adjusts Cash Rate Forecast: No Cuts Anticipated Until 2026

  ANZ Bank has revised its cash rate forecast, now expecting no cuts until February 2026. This adjustment aligns with similar revisions by other major banks, reflecting a collective response to recent economic data and RBA communications.

• RBA's November 2025 Statement: Inflation Trends and Economic Projections

  The Reserve Bank of Australia (RBA) has released its November 2025 Statement on Monetary Policy, highlighting concerns about rising inflation and providing insights into the future of the Australian economy.

• RBA Holds Cash Rate at 3.60% in November 2025

  The Reserve Bank of Australia (RBA) has decided to keep the official cash rate unchanged at 3.60% during its November 2025 meeting. This decision reflects the central bank's cautious approach in balancing inflation control with employment objectives.

• ANZ Revises RBA Rate Cut Forecast to February 2026

  ANZ has adjusted its forecast regarding the Reserve Bank of Australia's (RBA) next cash rate cut, now anticipating the reduction to occur in February 2026. This revision aligns with similar adjustments by other major banks, reflecting a collective response to recent economic data and RBA communications.

• Australian Mortgage Brokers Anticipate Competitive Shifts in 2025

  The Australian mortgage broking industry is poised for significant changes in 2025, with increased competition and evolving market dynamics shaping the landscape. Factors such as anticipated interest rate adjustments, a surge in refinancing activities, and the growing influence of digital marketing are key drivers of this transformation.

• ANZ Bank's Record Fine for Regulatory Misconduct

  In September 2025, ANZ Bank agreed to pay a record A$240 million fine following investigations by the Australian Securities and Investments Commission (ASIC) into multiple regulatory breaches. This penalty highlights the importance of compliance and ethical practices within the banking sector.

• CBA's Record Profit Fueled by Lending Expansion

  The Commonwealth Bank of Australia (CBA) has reported a record full-year cash profit of A$10.25 billion for the fiscal year ending June 30, 2025. This impressive performance is primarily attributed to robust growth in both home and business lending.

• Westpac Implements $177 Million Restructuring Charge in Second Half of Fiscal 2025

  Westpac Banking Corporation has reported a restructuring charge of A$273 million (approximately $177.72 million USD) for the second half of fiscal year 2025. This move is part of the bank's ongoing 'Fit for Growth' program, which focuses on strategic cost management and performance improvement.

• Australia's Unemployment Rate Climbs to 4.5% in September 2025

  In September 2025, Australia's unemployment rate increased to 4.5%, marking the highest level since November 2021. This rise surpassed economists' expectations of 4.3% and has reignited discussions about potential interest rate cuts by the Reserve Bank of Australia (RBA).

• Reserve Bank of Australia Reports Early Signs of Loosening Financial Conditions Following Rate Cuts

  The Reserve Bank of Australia (RBA) has observed early signs of loosening financial conditions following three interest rate cuts in 2025, which have brought the rate down to 3.6%. According to RBA Assistant Governor Christopher Kent, credit availability for households and businesses has improved as a result of these adjustments.

• Star Entertainment Group Secures Loan Covenant Waiver Amid Financial Challenges

  Star Entertainment Group, a prominent Australian casino operator, has successfully secured a loan covenant waiver under its syndicated facility agreement as of September 30, 2025. This development comes at a critical juncture for the company, which has been navigating a series of financial and operational challenges.

• ANZ Bank Faces A$240 Million Penalty for Bond Deal Misconduct and Customer Service Failures

  ANZ Group, Australia's fourth-largest bank, has agreed to pay a record A$240 million ($159.5 million) in penalties following investigations by the Australian Securities and Investments Commission (ASIC) for major misconduct.

• Commonwealth Bank of Australia Achieves Record A$10.25 Billion Profit Amid Lending Surge

  Commonwealth Bank of Australia (CBA) has reported a record full-year cash profit of A$10.25 billion ($6.69 billion) for the fiscal year ending June 30, 2025. This impressive performance is attributed to robust growth in both home and business lending, coupled with stable interest margins.

• DBS Bank Targets A$20 Billion in Australian Lending Amidst Strengthening Trade Ties

  DBS Bank, Singapore's largest lender, has announced ambitious plans to double its Australian lending book from A$11 billion to A$20 billion over the next five years. This strategic expansion aims to capitalize on the growing trade relationships between Australia and Southeast Asian nations, including Singapore, Indonesia, Malaysia, and Vietnam.

• Japanese Banks SMBC and MUFG Drive Growth in Australian Business Lending

  In a notable shift within Australia's financial sector, Japanese banking giants Sumitomo Mitsui Banking Corporation (SMBC) and Mitsubishi UFJ Financial Group (MUFG) have emerged as key drivers of growth in business lending.

• Commonwealth Bank's Profit Boosted by Business Lending Growth

  Commonwealth Bank of Australia (CBA) has reported a 6% increase in its quarterly profit, reaching $2.6 billion. This growth is primarily attributed to a substantial surge in business lending, with the bank's business loan portfolio expanding by 9.1% over the three months ending in March.

• RBA Highlights Growth of Private Credit in Business Lending

  The Reserve Bank of Australia (RBA) has reported that private credit now constitutes 11% of all business lending in the country. This marks a significant shift towards non-bank financing, as businesses seek alternative funding sources amid evolving economic conditions.

• RBA's Latest Rate Cut Expected to Boost Property Market

  The Reserve Bank of Australia (RBA) has implemented its third rate cut for 2025, a move anticipated to invigorate the property market. This decision comes as the average new loan size reaches record highs, reflecting increased borrowing capacity among Australians.

• Surge in Business and Home Lending Reported by RBA

  The Reserve Bank of Australia (RBA) has reported a significant acceleration in both business and home lending, challenging earlier predictions of a potential slowdown. As of the end of December, business credit growth reached 8.9%, marking the highest rate since May 2023 and showing an increase from 8.6% in November.

• Private Lending's Rapid Growth: Opportunities and Risks for Brokers

  The Australian financial landscape is witnessing a significant shift as private lending experiences rapid growth, presenting both opportunities and challenges for brokers. This expansion is driven by the demand for flexible funding solutions, particularly among small and medium-sized enterprises (SMEs) seeking alternatives to traditional bank loans.

• Beforepay Group Introduces New Personal Loan Offering

  Beforepay Group, an ethical-lending fintech established in 2019, has announced the launch of its latest financial product—the Beforepay Personal Loan. This new offering aims to provide Australians with safe and affordable lending options, complementing the company's existing Pay Advance and Tax Refund Advance services.

• Surge in Business and Home Lending Reported by RBA

  The Reserve Bank of Australia (RBA) has reported a significant acceleration in both business and home lending, challenging earlier predictions of a potential slowdown. As of the end of December, business credit growth reached 8.9%, marking the highest rate since May 2023 and showing an increase from 8.6% in November.

Read our Articles

• 5 Essential Personal Loan Tips Every Millennial Should Know

  Personal loans have become an increasingly popular financial tool among millennials in Australia. As the cost of living rises and life goals such as buying a home or pursuing higher education loom on the horizon, personal loans offer a means to achieve these goals with more immediate access to funds.

• Financing Your Dream: Tips for First-Time Entrepreneurs and Business Loans

  Starting a business is an exciting venture, often filled with dreams and aspirations of growing a successful enterprise. For many first-time entrepreneurs, securing a business loan can be a crucial step in turning these dreams into reality.

• The Importance of Financial Literacy: Navigating Personal Loans in Your 20s and 30s

  Financial literacy refers to the ability to understand and effectively use various financial skills, including personal financial management, budgeting, and investing. It's an essential skill set that can significantly impact an individual's financial well-being throughout their life.

• The Pros and Cons of Personal Loans for Young Professionals

  Personal loans are a financial tool that many young professionals consider when they need extra funds. Whether it's for consolidating debt, covering unexpected expenses, or making a big purchase, personal loans can provide the flexibility you need to manage your finances effectively.

• Fueling Your Startup Success: Navigate Business Finance

  Launching a startup is an exhilarating journey, filled with the promise of innovation, independence, and growth. However, it also comes with its share of challenges. From planning and execution to funding and scaling, each step requires careful consideration and decisive action.

• Loan Management Tips for Australian Freelancers and Self-Employed

  Freelancers and self-employed individuals in Australia often navigate a unique set of financial challenges. The unpredictable nature of income can make budgeting and long-term financial planning more difficult compared to those with a steady paycheck. As work comes and goes in fluctuating cycles, financial stability can sometimes feel elusive.

• Comparing Loan Options in Australia: The Role of Loan Calculators

  Loan calculators are powerful tools that assist borrowers in estimating their potential loan payments. By inputting variables such as loan amount, interest rate, and loan term, these calculators provide insight into what one's monthly repayments might look like. This can be invaluable for budgeting and financial planning purposes.

• Understanding the Power of Pre-Approval in Your Financial Journey

  Pre-approval in the financial world refers to a preliminary evaluation by a lender to determine how much credit or loan they may be willing to extend to an applicant. It's a vital step for any Australian looking to finance a significant purchase such as a home or a car.

• How to Increase Your Borrowing Power Efficiently

  Borrowing power refers to the amount of money a lender is willing to loan you, based on your financial situation.

• Debt Management Tips to Keep Your Credit Score Healthy

  Debt management involves strategies and practices designed to help individuals control their debt and maintain a healthy financial standing. It includes everything from budgeting and tracking expenses to negotiating better terms with creditors and consolidating debts for easier repayment.

• How to Improve Your Credit Score in 30 Days

  Understanding your credit score is crucial, especially when you're looking to secure a loan. Whether it's for a home, a car, or personal use, a good credit score can make a significant difference in the type of loan you qualify for and the interest rates you'll be offered.

• Understanding Loan Calculators: A Practical Guide for Smart Borrowers

  Understanding the loan application process can be quite challenging. However, with the right tools, it becomes much easier to navigate. One of these essential tools is a loan calculator.

• Step-by-Step Guide to Navigating the Loan Application Process

  Welcome to our step-by-step guide to navigating the loan application process! Whether you're seeking a home loan, personal loan, or business loan, the journey can seem overwhelming.

• What to Do If Your Loan Application Is Denied

  If you're here, you've likely faced the disappointment of having your loan application denied.

• How to Boost Your Chances of Loan Approval

  The loan approval process can often seem complex and daunting, but understanding what it entails is the first step toward boosting your chances. In essence, loan approval is the lender's process of assessing whether you are a viable candidate for the loan you have applied for.

• Top Mistakes to Avoid After Getting Your Loan Approved

  Getting your loan approved is a significant milestone, but it also opens the door to many new responsibilities. Proper management of your finances after loan approval is crucial to avoid common pitfalls that could derail your financial stability.

• Understanding Loan Comparison: A Guide for New Borrowers

  For new borrowers, stepping into the world of loans can be overwhelming. There are numerous options available, and each comes with its own set of terms, interest rates, and features.

• Debt Consolidation Loans: A Tool for Smarter Repayment Planning

  Debt consolidation loans serve a crucial purpose in the financial toolbelt of individuals juggling multiple debts. At its core, consolidation is the process of combining several loans or liabilities into one single loan.

• Top 10 Mistakes to Avoid in Loan Repayment in Australia

  Navigating the complexities of loan repayments can be daunting, but understanding the components and their impact on our financial health is essential. In Australia, a wise approach to loan repayment not only alleviates financial strain but directly influences our credit scores and future borrowing capacity.

• Avoiding Loan Rejection: How to Present Yourself as a Creditworthy Applicant

  Understanding the Debt-to-Income Ratio (DTI) is a crucial step toward solidifying your status as a creditworthy loan applicant. DTI is a key determinant used by lenders to gauge your ability to manage monthly payments and repay debts.

• Essential Factors to Consider When Comparing Australian Loan Providers

  Understanding the nuances of interest rates in today's Australian financial landscape is more than a matter of mere fiscal responsibility; it is a critical step in safeguarding your personal economy and ensuring that any loan acquired aligns perfectly with your financial aspirations for 2024 and beyond.

• Do You Qualify? Crucial Factors That Affect Your Loan Approval Odds

  For Australians, the quest to secure a loan can be as nerve-wracking as it is pivotal. Whether it's to finance a home, car, or even to consolidate debts, the outcome can profoundly impact your financial trajectory.

• How Much Can You Borrow? A Complete Guide to Assessing Your Borrowing Power

  Understanding your borrowing power is an essential step for anyone looking to take out a loan. This concept represents the amount of money you're eligible to borrow from a lender, whether it’s for purchasing a home, a car, or investing in your future.

• Practical Financial Advice for Every Australian: From First Loans to Retirement

  Welcome to the beginning of your financial journey. As an Australian, understanding the nuances of financial planning is pivotal to securing your economic future. Whether you're applying for your first loan or on the cusp of retirement, the financial decisions you make will have a lasting impact on your life.

• Your Complete Guide to Debt Consolidation Down Under

  As Australians navigate their personal financial journey, understanding how to manage debt effectively becomes crucial. From dealing with various lines of credit to juggling personal loans, the concept of debt consolidation often emerges as a viable strategy to regain control of financial health.

• Investing in Your Future: Building a Solid Financial Plan

  Investing in your future is not just a prudent choice; it’s a necessity, particularly in the context of Australia's dynamic financial landscape. Making significant purchases like a home or car, or even affording a dream holiday, requires a strategic approach to saving.

• The Power of a Good Credit Score: Tips to Maintain and Protect Yours

  Credit scores play a crucial role in the financial journey of any individual, especially in Australia where they serve as a snapshot of your financial reliability. This numerical expression based on a level analysis of a person's credit files has a far-reaching impact on various aspects of financial borrowings.

• Smart Saving for Big Purchases: Training Your Dollars to Work Harder

  With the rising costs of living and the all-too-familiar financial hurdles, saving for large purchases can seem like a daunting task for many Australians.

• Breaking Bad Budgets: Positive Money Moves to Make Today

  Financial wellbeing is often a balancing act that many Australians find challenging. In an age where the cost of living seems to climb incessantly, managing money effectively has never been more critical.

• Mastering Money: Strategies to Boost Your Financial Health

  Financial health is a crucial aspect of overall well-being, particularly in the ever-evolving economic landscape of Australia. The capacity to manage personal finances effectively not only provides a sense of security but also opens doors to opportunities that might otherwise be out of reach.

• Deciphering Loan Terms: A Comprehensive Guide for Australian Borrowers

  For many Australians, taking out a loan is a key step towards achieving personal and financial milestones, whether it's purchasing a home, investing in education, or starting a business. However, the excitement of these life events can be overshadowed by the complexity of loan agreements.

• Understanding Interest Rates: How to Get the Best Deal on Your Loan in 2024

  As we step into the year 2024, the financial landscape continues to evolve, bringing to the fore the ever-critical subject of interest rates.

• The Art of Loan Management: An Essential Skill for Australians

  Loan management skills are crucial for individuals and families in Australia, as they play a vital role in managing finances and achieving financial stability. Effective loan management enables individuals to make sound financial decisions and avoid falling into debt traps.

• The Impact of Credit Scores on Loan Applications: How to Borrow Smartly

  Credit scores play a crucial role in loan applications, determining eligibility and interest rates for borrowers. Understanding how credit scores are calculated and the impact they have on loan applications is essential for anyone who wants to borrow smartly.

• Australian Loan Application Checklist: What You Need to Know

  When applying for a loan in Australia, it's essential to have a clear understanding of the loan application process. Whether you are applying for a home loan, personal loan, or business loan, knowing the necessary steps and having all the required documents ready can save you time and frustration.

• Smart Borrowing in the Digital Age: Navigating the World of Online Loans

  In today's digital age, the landscape of borrowing has evolved with the emergence of online loans. The convenience and accessibility offered by online lenders have made them an increasingly popular choice for Australians seeking financial assistance.

• How to Avoid Common Mistakes When Applying for a Loan Online

  Applying for loans online has become a convenient and efficient way to secure funds for various purposes. With just a few clicks, individuals can submit their applications and receive a decision within a short span of time.

• Top 10 Smart Borrowing Strategies for Australians: A Comprehensive Guide

  Smart borrowing is crucial for individuals and businesses in Australia to manage their financial goals effectively. With a well thought-out borrowing strategy, you can optimize your finances, minimize costs, and achieve your financial objectives.