Archive | Lending Notes

Why Rising Property Values Don't Increase Your Borrowing Capacity

Apr 15, 2026

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4 min read

Why Rising Property Values Don't Increase Your Borrowing Capacity

Regional property values have risen sharply across Australia. But borrowing capacity is assessed on income and serviceability — not on what the market is doing. Here's what that means in practice.

Josh Stewart

APRA DTI Cap Explained: What It Means for Property Investors in 2026

Apr 15, 2026

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4 min read

APRA DTI Cap Explained: What It Means for Property Investors in 2026

The APRA DTI cap limits lenders on high-ratio mortgages — and the effect on property investors is showing up in how applications are handled, not just whether they're approved. Here's what's actually happening.

Josh Stewart

Why Waiting to Refinance Can Close the Window — Even When Nothing Has Changed

Apr 15, 2026

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6 min read

Why Waiting to Refinance Can Close the Window — Even When Nothing Has Changed

How rising assessment rates affect serviceability for variable rate borrowers — and why timing a review matters more than most people realise

Josh Stewart