The Lenders Club

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06/09/2026

Five practical ways to boost your borrowing power before you apply.

Nothing flashy, just the stuff that actually moves the needle when a lender looks at your file.

04/09/2026

🚨 Could interest rates be going UP again?

Just when mortgage holders were hoping the next move would be down… the latest data is starting to tell a different story.

Inflation is still proving stubborn, oil and energy prices are adding more pressure, and Australian 10-year bond yields have jumped to around 5.2% — levels we haven’t seen since 2011.

Why does that matter?

Because rising bond yields can be a sign that markets expect inflation and interest rates to stay higher for longer.

And with the next RBA meeting approaching, a rate rise is now a very real possibility. 😬

For mortgage holders, that’s definitely not the news we were hoping for. 😢😢

Watch the video for what’s happening and why it matters for your home loan 👆

02/09/2026

Equity is one of the most underused tools in commercial property. Most people know they've got it. Far fewer know how to actually deploy it.

The basic idea is straightforward. Instead of saving another cash deposit, you release equity from a property you already own and use it to fund your commercial purchase. That property could be your home, an existing investment, or another commercial holding. The deposit comes from growth you've already earned rather than cash you're still trying to save.

Where it gets more nuanced is the structuring. Not every lender treats equity releases the same way, and commercial transactions in particular sit outside the standard playbook. Some lenders will happily release equity from a residential property to fund a commercial purchase. Others draw a hard line between the two and won't cross-collateralise. Some cap what you can access. Others have specific policies around which property types the equity can be used for.

The knock on effects matter too. How the loan is structured now affects how easily you can refinance, sell or release equity again down the track. Cross-collateralising two properties can look like the simple path today and become a headache when you want to move one and not the other. Keeping loans separate takes a bit more setup but keeps your options open.

None of this is complicated once you can see the full picture. It just rarely gets explained properly before people go looking.

A huge congratulations to our Director, Dana Blewitt Dana Blewitt , who has been named a finalist for Residential Broker...
02/09/2026

A huge congratulations to our Director, Dana Blewitt Dana Blewitt , who has been named a finalist for Residential Broker of the Year at the Australian Broking Awards! 🎉

This recognition is a reflection of Dana’s dedication to her clients, her team and an industry she genuinely loves.

Congratulations Dana! 🥂🏆

FinanceBroker WomenInFinance Finalist

01/09/2026

🚨 THE BANKS WANT YOUR BUSINESS… and they’re changing the rules to get it.

Mortgage applications have dropped significantly across the major banks and now we’re seeing lenders make some BIG policy changes 👀

🏦 AMP → up to 40-year loan terms + up to 10 years interest only for eligible investors
🏠 Westpac & St.George → now using up to 95% of eligible rental income for servicing
📈 NAB → increased its maximum rental yield used for servicing from 6% to 7%

Why does this matter?

Because for some borrowers, these changes could mean INCREASED BORROWING CAPACITY 💰

If you were told 3, 6 or even 12 months ago that you couldn’t borrow enough… it might be time to check again.

Bank policies are changing FAST — and knowing which lender suits your situation can make a huge difference.

📩 DM me “BORROWING” and we can take another look at your options

30/08/2026

Another round of money cliches. All debt is bad, never borrow to invest, cash is king, pay off everything before retirement. These are the ones I hear the most, and none of them really hold up when you look at how people actually build wealth.

The theme across all of them is that debt itself isn't the problem. It comes down to what you're using it for and whether it's working for you or against you.

26/08/2026

The most expensive commercial property mistake we see isn't picking the wrong building. It's signing before understanding how a lender will read the deal.

Residential lending is fairly predictable. You know roughly what deposit you'll need, roughly what you can borrow, and the property itself is usually assessed on comparable sales in the area. Commercial doesn't work that way. The property, the tenant, the lease and the industry all get weighed differently depending on the lender, and two lenders can look at the same deal and come back with wildly different terms.

That's where investors and business owners get caught. The perfect warehouse or office comes up, the contract gets signed under the assumption that finance will fall into place, and then reality shows up. The deposit required is larger than expected. The valuation comes in below purchase price. The lease has a term or clause that makes the deal harder to fund. Small details on paper, big consequences at settlement.

The commercial lending landscape is genuinely fragmented. Some lenders won't touch certain industries. Others have strong appetite for specific property types but restrict lease structures. LVRs shift based on tenant strength, remaining lease term, and location. None of this is a deal breaker if you know it going in. All of it becomes a problem when you find out after signing.

The straightforward fix is having the finance conversation before the contract, not after. A short discussion about the property type, the tenancy and your existing position will usually surface any issues while there's still time to structure around them.

25/08/2026

Less competition doesn’t automatically mean more first home buyers. 🏡

The latest ABS data shows owner-occupier first home buyer loan commitments fell 2.9% in the June quarter despite property prices coming down and potentially less competition in the market.

Why? Because confidence matters too.

First home buyers aren’t just thinking about whether they can afford to buy today. They’re thinking about what happens next.

Your first home is often a stepping stone to your next property. If buyers are worried prices could continue to fall and they could end up in negative equity, that can be enough to make them sit on the sidelines.

Because selling a property for less than the loan owing could mean having to put your own money in just to clear the debt.

🏠 Lower prices help.
📉 Less competition helps.
💰 But borrowing capacity, affordability AND confidence still matter.

The numbers tell the real story — first home buyers aren’t flooding back into the market just yet.

PropertyAustralia FirstHomeBuyers HousingAffordability

23/08/2026

A few more money moves rated out of 10.

19/08/2026

The maths of paying off a mortgage in half the time is less impressive than the system that actually makes it happen. That's the part most people miss.

Everyone's seen the numbers. A $500,000 loan at 6.5 percent, minimum repayments of around $3,160 a month, an extra $1,500 on top, and the thirty year loan is gone in about thirteen. Roughly $387,000 in interest saved. It's a compelling picture on paper.

The reason it rarely happens in practice isn't discipline or income. It's structure. Most people run their finances through a single account where the extra $1,500 gets absorbed into everyday spending long before it makes it to the mortgage. What starts as "we'll pay more each month" quietly becomes "we'll pay more when there's spare cash," and there's almost never spare cash.

The setup that changes the outcome is multiple offset accounts linked to the one loan. One for living expenses, one for discretionary spending, one for savings, one for the wealth building bucket. Money gets allocated on payday rather than negotiated with yourself at the end of the month. The extra repayment stops competing with the weekend.

The compounding benefit sits at the portfolio level. Every year you shave off the first loan is a year sooner that the cashflow is freed up for the next property. Pay off faster, buy again sooner, repeat.

If your mortgage is currently sitting as one loan and one account and you'd like to look at whether restructuring could accelerate it, send us a message.

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Suite 410, 2-8 Brookhollow Avenue
Baulkham Hills, NSW
2153

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