How Australian lending actually works, written from the primary sources and dated so you can see when we last checked. General information, not advice.
The law changed, and most of what is being said about it is a little wrong in both directions. Here is what a new limited recourse borrowing arrangement can acquire, what “business real property” actually means, and which existing loans are untouched.
9 min read
A decline is information, not a verdict. Here is what to ask for first, what to fix while it is still fixable, how a second-tier or private lender reads the same file differently, and where a complaint actually gets you somewhere.
9 min read
The “100 per cent of debt in qualifying presales” rule everyone quotes was never a rule, and APRA said so in writing. Here is how a residential development facility is really sized, drawn and repaid — and where the second lender fits.
9 min read
Three ways to finance the same excavator, and the difference is not the rate. It is who owns the asset, when you get the GST back, and whether you are claiming depreciation or a lease payment.
9 min read
The honest answer is two numbers, not one: the deposit that gets you approved and the deposit that avoids lenders mortgage insurance. They are rarely the same, and since the 2026 Budget the tax side of the decision has changed as well.
8 min read
