LoanOne Pty Ltd

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LoanOne Pty Ltd LoanOne is a company that manages mortgages. Our goal is to help clients and financial brokers.

Two national numbers landed last week.The ABS reported that the seasonally adjusted unemployment rate rose to 4.5% in Ju...
19/10/2026

Two national numbers landed last week.

The ABS reported that the seasonally adjusted unemployment rate rose to 4.5% in July. The Wage Price Index rose 3.2% over the year to the June quarter.

Those figures help describe the market. They do not verify one borrower's position.

For a broker, current employment terms, income evidence, liabilities, expenses, objectives and lender policy remain specific to the client and proposed loan.

Use the headline to open the question, then return to the file.

Which employment change prompts your team to pause and refresh the evidence?

General information only. This is not financial advice.

New home lending slowed in the June quarter. The client conversation should not.ABS data shows the number of new dwellin...
16/10/2026

New home lending slowed in the June quarter. The client conversation should not.

ABS data shows the number of new dwelling loan commitments fell 5.4% in the quarter. Investor commitments fell 8.6%, the largest quarterly fall since September 2022. These figures exclude refinancing.

For brokers, quieter enquiry can make every live scenario feel more important. That is when discipline matters most: verify the objective, income, liabilities, documents, security and policy fit before treating urgency as evidence.

Market volume is context. A complete client file is the work.

When enquiry slows, which part of your process becomes more important, not less?

General information only. This is not financial advice.

Some deals need more than a short email to explain them properly.LoanOne's improved Scenario Inquiry helps you present t...
15/10/2026

Some deals need more than a short email to explain them properly.

LoanOne's improved Scenario Inquiry helps you present the complete picture in one place, from the applicant's circumstances and income through to security, liabilities and the proposed loan structure.

No fragmented email trail. No wondering which details to include.

Put the deal to LoanOne: https://loanone.com.au/scenario-inquiry/

Submitting an enquiry does not guarantee approval. Lending criteria, terms and conditions apply.

Before a referral leaves your inbox, check the authority behind the name.ASIC says it removed or restricted 27 individua...
14/10/2026

Before a referral leaves your inbox, check the authority behind the name.

ASIC says it removed or restricted 27 individuals and businesses from providing credit services in 2025-26. That is not a reason to distrust the sector. It is a reason to make verification routine.

ASIC's Professional Registers Search lets you check a credit licensee or credit representative by name, licence or registration number, ACN or ABN. Review the correct register, current status and services authorised.

A polished website or familiar introduction is not the same as a current authority.

What is your non-negotiable check before adding a new referral partner?

General information only. Verify the current register entry and seek legal or compliance advice where appropriate.

ASIC's first formal review focused on mortgage brokers' best interests duty and complaints handling is a practical promp...
13/10/2026

ASIC's first formal review focused on mortgage brokers' best interests duty and complaints handling is a practical prompt: make the reason behind a recommendation easy to follow.

Report 840 examined 13 credit licensees across eight large mortgage broker groups. ASIC found that broker practices generally aligned with its guidance, while identifying areas where recommendation records, supervision and complaints handling could be strengthened.

One issue deserves a file-level check. Where a lower-cost shortlisted loan is not recommended, the client should be able to understand why the recommended option offers greater value for their circumstances.

For brokers, that means recording the client-specific reasoning, not just the product selected:

• what mattered most to this client
• which features or policy settings affected the comparison
• why the recommended option better matched those needs
• how any cost difference was considered
• what alternatives were reviewed

The lowest cost is not always the only consideration. The reasoning still needs to be clear.

Could another reviewer understand the recommendation from your file alone?

Source: Australian Securities and Investments Commission, Report 840 and media release 26-240MR, released 13 October 2026.
https://www.asic.gov.au/about-asic/news-centre/find-a-media-release/2026-releases/26-240mr-asic-review-finds-room-for-improvement-in-mortgage-brokers-best-interests-duty-practices

General information only. This is not legal, credit or financial advice. Follow your licensee's procedures and seek compliance advice where appropriate.

🚨 **ASIC Releases New Report: What Mortgage Brokers Need to Know!**🏡 With over 80% of Australian home loans now arranged...
13/10/2026

🚨 **ASIC Releases New Report: What Mortgage Brokers Need to Know!**

🏡 With over 80% of Australian home loans now arranged through mortgage brokers, ASIC is placing greater emphasis on consumer protection, compliance and the Best Interests Duty (BID).

📊 **ASIC Report 840 – Key Details**
📅 **Published:** October 2026
📅 **Data Review Period:** April 2023 – March 2025
🔍 **Scope:** 8 major aggregator groups, 1,600 loan recommendations and more than 400 consumer complaints (March 2023 – May 2025).

🔎 **Key Findings**

✅ **Best Interests Duty:** Brokers must clearly justify loan recommendations, particularly when recommending higher-cost products.

✅ **Compliance & Documentation:** Stronger record-keeping, quality assurance and ongoing monitoring are essential.

✅ **Complaints Handling:** ASIC identified gaps in complaint reporting and internal dispute resolution processes.

✅ **Technology & AI:** ASIC highlights opportunities for AI to improve lender policy comparisons, loan recommendations and compliance monitoring, supported by strong governance.

💡 **What Does This Mean for Brokers?**

The future of mortgage broking isn't just about settling more loans. It's about delivering better customer outcomes, maintaining strong compliance standards and embracing smarter technology.

🌟 **At Broker Bridge, we believe better education, stronger compliance and smarter technology are the foundations of a successful and sustainable mortgage broking business.**

📖 **Source:** ASIC Report 840 – *Mortgage brokers: Review of best interests duty and complaints handling practices* (October 2026).

Have a deal you want LoanOne to consider?Our improved Scenario Inquiry gives brokers one structured place to provide the...
13/10/2026

Have a deal you want LoanOne to consider?

Our improved Scenario Inquiry gives brokers one structured place to provide the information behind the deal, including:

- applicant and income details
- existing assets and liabilities
- loan amount, security and purpose
- relevant supporting documents

Give our team the complete picture from the beginning.

Send your scenario: https://loanone.com.au/scenario-inquiry/

Submitting an enquiry does not guarantee approval. Lending criteria, terms and conditions apply.

Two lending controls. Two different jobs.APRA's mortgage serviceability buffer tests whether a borrower could still meet...
12/10/2026

Two lending controls. Two different jobs.

APRA's mortgage serviceability buffer tests whether a borrower could still meet repayments if the assessment rate were 3 percentage points above the loan rate.

High debt-to-income limits work at the bank portfolio level. They allow ADIs to write up to 20% of new owner-occupied lending and 20% of new investment lending at DTI ratios of six times or more.

That does not make six times income an automatic approval or decline line for an individual client. A client scenario still depends on the lender's policy, verified financial position and the proposed loan.

This is general information, not financial advice.

Which distinction causes more confusion in client conversations: serviceability or DTI?

One market. Two signals.ABS data for the June quarter 2026 shows the seasonally adjusted number of new owner-occupier fi...
09/10/2026

One market. Two signals.

ABS data for the June quarter 2026 shows the seasonally adjusted number of new owner-occupier first-home-buyer loan commitments for dwellings fell 2.9%. Their total value rose 0.2%. These figures exclude refinancing.

For brokers, this is a reminder that a market headline cannot replace the client file. Aggregate movements are context. The borrower’s income, deposit, objectives, liabilities, documents and product fit still need to be understood and verified.

This is general information, not financial advice.

When market data sends mixed signals, what do clients ask you first?

Address

701/570 George Street
Sydney, NSW
2000

Opening Hours

Monday 9am - 5pm

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