15/06/2026
Approval is not the point of certainty anymore.
Settlement is.
Rising rates. Climbing living costs. Shifting borrower confidence. These are not just headlines. They are showing up directly in borrower behaviour, and they are changing the risk profile of deals that were approved weeks earlier.
The borrower assessed at application is not always the same borrower at settlement.
GML's latest market insight breaks down exactly what is happening between approval and settlement in 2026, and what lenders and brokers need to do differently right now.
🔗 Full article in link below:
https://greenmortgagelawyers.com/lending-risk-australia-2026-cost-of-living-and-rate-pressure-shift/