Current Conditions

How current market and economic conditions are flowing through to lending decisions, valuations, and lender risk settings.

Current Conditions

Two Investors, One Cut-Off Date: What the Negative Gearing Change Does to a Purchase

Aug 31, 2026

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3 min read

Two Investors, One Cut-Off Date: What the Negative Gearing Change Does to a Purchase

The negative gearing reform is now law. A case study of two investors either side of the 12 May 2026 cut-off, what changes in cash flow, and how it flows through to serviceability.

Josh Stewart

Current Conditions

Three Months of Falling Values in Newcastle: What Actually Changes for Owners

Aug 30, 2026

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3 min read

Three Months of Falling Values in Newcastle: What Actually Changes for Owners

Newcastle Home Values Fall Again: What It Means for Your Loan

Josh Stewart

Current Conditions

What the fixed rate repricing wave means for borrowers mid-process

Apr 21, 2026

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3 min read

What the fixed rate repricing wave means for borrowers mid-process

Fixed rates have moved significantly since early April 2025, with over 38 lenders repricing upward. Here's what that shift means for borrowers working from an earlier quote — and why the assessment rate at application is what matters.

Josh Stewart

Current Conditions

Two Investors, One Cut-Off Date: What the Negative Gearing Change Does to a Purchase

Three Months of Falling Values in Newcastle: What Actually Changes for Owners

What the fixed rate repricing wave means for borrowers mid-process

Lending Notes