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Trusted advisory-led lending for complex income, commercial property, construction & business finance 'AAA' are your one stop finance solution.

We offer a fuss free service and make it easier for you to get your home, business or construction loan approved. We have over 30 years experience and are experts in credit advice.

04/11/2026

The RBA lifted the cash rate again yesterday by another 0.25%, taking it to 4.85% - the highest it's been since 2008.

That's the fifth rise since February, and a 1.25% increase in less than a year. On a $1,000,000 variable loan, that's around $760 more a month than you were paying before the first rise. On a $500,000 loan, it's closer to $380.

Talk to AAA about a free review of your full financial position BEFORE we get to 2027. It could make a real difference to how you're set up next year and give you confidence and clarity around your cash flow, your structure, and where you've actually got room to move.

We're seeing exactly what these repeated rises are doing to mortgage holders and, combined with a huge number of other cost of living pressures, this is yet another hit to household budgets that were already stretched. Don't leave it too late - reach out to us today.

Head to our website to get in touch for your free review.

aaamortgages.com.au

01/11/2026

Our General Manager Melissa Ashcroft is speaking at The Adviser Women in Finance Summit on Friday 13 November, on a panel called “What I Wish I Knew”.

She’ll be sharing her leadership journey, including what she’s learnt, the risks she’s taken, and maybe even a few things she’d do differently if given the chance.

This event brings together incredible women from every corner of the industry, and highlights the achievements and innovative thinking driving it forward.

Make sure you’ve got your tickets!

womeninfinancesummit.com.au

26/10/2026

More people have learned what private credit is in the past six months than in the years before it. Not because the sector grew, but because a few high-profile situations put it under real scrutiny.

But here’s what can easily get missed. Funds with no exposure to any of the collapses have still been hit, because when confidence drops in a sector, investors stop sorting the good from the bad.

And this is where it starts to affect everyone else. These managers finance a large share of what actually gets built in Australia. If they tighten, projects stall, in a market already short of housing.

Reach out to Melissa and the team if you’d like to talk through where you sit in this market.

www.aaamortgages.com.au

21/10/2026

When things slow down, the instinct is to push harder. Often the answer is the opposite.

On our latest episode of the P.O.W.E.R. Podcast, Melissa Ashcroft asks Stephanie Farah-Cole Partner and Licensed Real Estate Agent at NGFarah, what she actually does to keep going when conditions turn. Her answer came back to clients rather than deals - the work you do for people now is what carries you through, even when none of it converts immediately.

It’s a useful way to think about any period where things aren’t moving as quickly as usual, and it applies well beyond real estate.

They also get into family business, leadership, and what’s happening in the market right now.

🎧 Apple Podcasts: https://podcasts.apple.com/us/podcast/episode-24-meet-steph-farah-third-generation-real-estate/id1740660686?i=1000792701360

🎧 Spotify: https://open.spotify.com/episode/7cGd0vCSpgMg5f4f6XYV4r?si=rcZKhDrtQrGwhzv33JRcRQ

🎧 YouTube: https://youtu.be/jFUXoBi7LTk

19/10/2026

ASIC has made private credit practices an enforcement priority for 2026, looking at transparency, fees, governance, valuations and liquidity across a sector now worth around $200 billion.

The answer isn’t to avoid private credit. It funds projects that banks can’t, usually because of their own lending ratio limits, and it does that well when it’s structured properly.

What matters is understanding what you’re actually dealing with before you commit - and knowing who carries the cost when something goes wrong, because it’s rarely only the fund.

Get in touch with Melissa and the team if you’d like to talk something through via our website - we'll reply within 2 business hours.

aaamortgages.com.au/get-in-touch

06/10/2026

A property downturn can be a buyer's market, and our latest episode of the P.O.W.E.R. Podcast gets into the part that gets missed.

Melissa Ashcroft is joined by Stephanie Farah-Cole, Partner and Licensed Real Estate Agent at NGFarah, for a conversation about what's actually happening out there.

Stephanie's point is that when the market moves, it moves across the board. Both sides of a transaction shift together, so the difference between what you sell for and what you buy for narrows — and that difference is what decides whether a move works. For anyone looking to upsize, that gap is smaller than it was.

With Melissa adding the finance perspective, the conversation covers both ends of a move. They also get into family business, leadership, and showing up when conditions are tough.

🎧 Apple Podcasts: https://podcasts.apple.com/us/podcast/episode-24-meet-steph-farah-third-generation-real-estate/id1740660686?i=1000792701360

🎧 Spotify: https://open.spotify.com/episode/7cGd0vCSpgMg5f4f6XYV4r?si=rcZKhDrtQrGwhzv33JRcRQ

🎧 YouTube: https://youtu.be/jFUXoBi7LTk

02/10/2026

The Bathla collapse has mostly been reported through its debt figures and the funds exposed to it. Less has been said about the people whose money sat inside those funds.

Private credit investors put in anywhere from $10,000 to millions, frequently as part of a retirement plan, on the understanding it was a stable income-producing investment. When a borrower the size of Bathla fails, access to that capital can be frozen, delayed, or in some cases written down.

Understanding where your money is actually lent, and what sits between you and a loss, matters long before something goes wrong. The team at AAA can talk you through a range of scenarios and what they'd mean for your position. Get in touch via our website or send us a DM.

www.aaamortgages.com.au

28/09/2026

The RBA hands down its next cash rate decision tomorrow, and most economists expect a rise after three earlier this year and two holds since.

Lenders have already moved ahead of it. NAB and ANZ both lifted fixed rates this month, with some now above 7%, because fixed pricing reflects where lenders expect rates to head rather than where they sit today.

Fixed, variable or a split of both - there's no single answer, and the right structure depends entirely on your circumstances.

Talking those options through is part of why broker market share has hit a record 81.6%, up from 77.6% a year ago, with $139.08 billion settled through brokers in the June quarter alone. Australia is now one of only three countries worldwide where brokers write more than 80% of home loans.

Read the full MFAA broker share report: https://www.mfaa.com.au/news/mortgage-broker-market-share-reaches-record-81-6

After the moves we've already seen this year, and whatever happens tomorrow, a review of your loan and structure is likely a good idea. Send us a DM, or reach out via our website for a response from one of our brokers within 2 business hours.

www.aaamortgages.com.au/get-in-touch

27/09/2026

We're proud to announce that we've received two finalist nominations at this year's Specialist Finance Group National Awards: Melissa Ashcroft for Leadership, and the AAA Mortgages team for Business Growth.

Melissa's nomination reflects her leadership across the business and the broader industry, including her work developing other brokers and her regular contribution to industry panels and events.

The team's nomination recognises their work over the past year, continuing to develop relationships with a wide range of bank and non-bank lenders, staying across industry trends, changes and challenges, and always striving to provide exceptional results for our clients.

It's worth reading that alongside the MFAA's 2026 Diversity, Equity and Inclusion Survey, released this month. Among respondents who saw women as underrepresented in the industry, 80% pointed to the broker population itself and 60% to business ownership. AAA is a female-led business, with a team that reflects a real mix of ages, backgrounds and experience. We're proud to represent that shift, and to keep pushing for more of it across the industry.

The SFG National Awards will be held on November 18th.

Read the full MFAA article: https://www.mfaa.com.au/news/diversity-can-help-brokers-attract-talent-and-grow-their-customer-base

23/09/2026

The Bathla collapse has been covered heavily from the top down, the debt, the administrators, the funds exposed. The businesses at the other end of it have had far less attention.

Subcontractors and suppliers are unsecured creditors when a developer fails, sitting behind the banks and secured lenders. They've already done the work and paid for materials, and they're the least able to absorb a long wait.

There are lending options for businesses dealing with a cash flow gap. Get in touch with Melissa and the team via our website, or send us a message.

aaamortgages.com.au/get-in-touch

Address

Level 1, 50 York Street
Sydney, NSW
2000

Telephone

+61292991144

Website

https://www.aaamortgages.com.au/

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