PPT Lending

PPT Lending PPT Lending is a Ballarat-based mortgage broker specialising in tailored lending solutions.

Securing a mortgage in Australia has changed significantly over the past 12 months. In response to heightened regulator...
04/09/2026

Securing a mortgage in Australia has changed significantly over the past 12 months.

In response to heightened regulatory scrutiny and strict responsible lending frameworks, lenders have shifted away from basic checks toward highly automated data matching and targeted, deep audits of complex applications.

Consequently, minor discrepancies that were once overlooked during the assessment process can now trigger immediate application declines or leave a footprint on a borrower's credit profile.

If you are planning to apply for a loan soon, here is how to get credit-ready:
- Audit Your True Expenses: Review bank feeds and account statements ahead of time to eliminate forgotten subscriptions, unlisted buy-now-pay-later accounts, or undisclosed credit facilities.

- Verify Income Consistency: Ensure overtime, allowances, and variable bonuses have a consistent, documented history to meet current bank serviceability buffers.

- Align Self-Employed Financials: Match declared business earnings against your actual tax portal data and recent BAS filings to ensure complete consistency.

Don't guess your numbers or rely on legacy expectations.
At PPT Lending, we pre-audit your financial profile against current credit assessment standards, identifying and resolving potential anomalies before your application is submitted.

Ensure your application is credit-ready. Contact Ben McDonald and the PPT Lending team today on (03) 5331 3711 or visit our website to make an appointment.

Rates are on hold. Your property plans don't have to be. Another RBA meeting, another cash rate hold at 4.35%. But rate ...
13/08/2026

Rates are on hold. Your property plans don't have to be.

Another RBA meeting, another cash rate hold at 4.35%. But rate stability is actually a great environment to map out your next step with certainty.

If you've been waiting for market conditions to settle before upgrading, purchasing, or refining your loan setup, now is the time to clarify your options.

Speak with Ben McDonald at PPT Lending on (03) 5331 3711 or head to the link in our bio to book a review.

When lending activity slows, banks across the state have to compete harder for quality borrowers. That gives existing pr...
05/08/2026

When lending activity slows, banks across the state have to compete harder for quality borrowers. That gives existing property owners real leverage, not just to push for a lower rate but to ensure their overall loan structure still makes sense.

A quick review of your current setup can highlight a few quick wins:
- Maximising Offset Benefits: Keeping surplus cash in the right place directly reduces interest costs and improves overall cash flow.
- Aligning your Setup with Current Goals: A loan setup that worked a few years ago might be unnecessarily restricting your liquidity today.
- Eliminating the Loyalty Tax: Banks routinely offer better deals to new clients. Proactively renegotiating ensures you don't pay a premium for staying put.

You don't need to buy a new property to take advantage of market conditions. Evaluating your current loan structure is often the fastest way to free up cash and optimise your finances.

The start of a new financial year is the perfect time for a reset. If you've been putting your property or investing goa...
24/07/2026

The start of a new financial year is the perfect time for a reset. If you've been putting your property or investing goals on hold because of the high-rate environment, it’s time to stop waiting on the RBA.

Hitting your milestones this year isn’t about waiting for interest rates to drop, it’s about changing how your current debt is structured.
A few smart adjustments could completely change the game for your budget:

- Rolling high-interest debts (like car loans or credit cards) into one lower payment.
- Ensuring your offset accounts are actually working hard to slash your interest.
- Challenging your current bank to drop their "loyalty tax" and match the market.

If your loan setup is exactly the same as it was last year, it’s likely holding your new goals back.

You don't need a changing market to make progress, just a team to help you restructure!

If you're looking to buy or refinance this new financial year, it's not a new rule that's shrinking your borrowing power...
08/07/2026

If you're looking to buy or refinance this new financial year, it's not a new rule that's shrinking your borrowing power, it's the math catching up.
Here is what’s happening behind the scenes:

- The Rule is the Same: APRA’s standard 3% serviceability buffer has been in place since October 2021.

- The Baseline Has Shifted: Back in 2021, when variable rates were around 2–3%, that buffer meant banks tested your capacity at a manageable 5–6%.

- The Compounding Effect: Fast forward to today, and average variable interest rates sit around 6%. Add that exact same 2021 safety buffer, and banks are now testing your paperwork at 9% or higher.

The buffer isn't new, but testing an application at 9% is a much higher hurdle than it was a few years ago.

Because of this compounding pressure, lenders are looking at day-to-day data with a magnifying glass.

Unused credit card limits, subscription stacks, and Buy Now Pay Later accounts are actively shrinking what you can borrow under these 9% stress tests.

Don't guess if your numbers will pass the test. Our lending team knows exactly how different banks calculate living expenses and debt. We help you clean up and structure your profile before submitting.

Let’s get your loan health sorted for the new FY, get in touch with Ben and the team today 03 5331 3711

The advantages of working with PPT Lending is that your lending specialist doesn't work in isolation. They work alongsid...
23/06/2026

The advantages of working with PPT Lending is that your lending specialist doesn't work in isolation. They work alongside your accountant and financial planner, so your borrowing decisions always fit your broader financial plan.

Less complexity. Better outcomes. One team.

Get in contact with Ben and the team today to map out your next move, (03) 5331 3711

If you’ve been trying to buy your first home, the recent rate hikes might feel like a setback. But there is a silver lin...
11/06/2026

If you’ve been trying to buy your first home, the recent rate hikes might feel like a setback. But there is a silver lining emerging in the property market right now.

The latest ABS data shows a noticeable drop in overall home lending, and property price growth is finally slowing down (especially across Sydney and Melbourne).

What does this mean for you?
* Less bidding competition at auctions.
* More room to negotiate with vendors.
* Sellers who are motivated to get a deal done.

Whilst the borrowing capacity has shifted, the market is becoming more buyer-friendly.

Get in touch with the PPT Lending team to look at your numbers and see what your 5% deposit scheme options look like in today’s landscape!

Between rising wage costs, higher interest bills and the upcoming payday super changes from 1 July, cashflow is under pr...
25/05/2026

Between rising wage costs, higher interest bills and the upcoming payday super changes from 1 July, cashflow is under pressure for a lot of businesses.

If you're finding the gap between outgoings and receivables is widening, there are lending solutions designed specifically for this, debtor finance, business lines of credit and more.

Get in touch to talk about your circumstances - (03) 5331 3711

Interest-only loans remain a popular tool for property investors but they're not automatically the right choice. In a hi...
07/05/2026

Interest-only loans remain a popular tool for property investors but they're not automatically the right choice. In a higher rate environment, the gap between IO and P&I has narrowed, and lender policies are tightening.

Our team can help you work out what actually makes sense for your portfolio right now - get in touch with the lending team to learn more.

Think of an offset account as a standard transaction account that is "linked" to your variable home loan. The balance in...
27/04/2026

Think of an offset account as a standard transaction account that is "linked" to your variable home loan. The balance in this account is subtracted from your loan balance before the bank calculates your interest.

How it works:
If you have a $500,000 mortgage and $50,000 sitting in your linked offset account, the bank only charges you interest on $450,000.

Why it’s a game-changer:
- Instant Savings: Every dollar in there works for you 24/7.
- Total Liquidity: It’s your cash. Use it for groceries or bills just like a normal bank account.
- Tax-Free Gains: Saving interest is often better than earning it in a savings account (where you’d pay tax on the profit!).
- Shorten Your Loan: Less interest charged means more of your monthly payment goes toward the actual house.

Address

20 Lydiard Street South
Ballarat, VIC
3220

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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