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Australian economy

Smart investing Trends in 2026

Posted on by Laze Spasevski
The Investing Shifts that Matter Most in 2026
  Smart investing trends in 2026 may be less about pushing limits and more about keeping your lending options flexible. A few trends are already shaping how investors approach the year ahead: Tighter lending for bigger loans. From February, banks must limit how many higher debt-to-income loans they write, which may reduce borrowing power for some investors and make outcomes var...
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Inflation Easing but Not Defeated

Posted on by Laze Spasevski
Inflation Easing, but Rate Certainty Still Shaky
Inflation is easing, but not defeated – which keeps borrowing conditions in play for 2026. ABS data shows headline inflation fell from 3.8% in October to 3.4% in November. That’s progress – but it’s not the clean victory many hoped for mid-2025. Back in June, when inflation dipped to 1.9%, it felt like the Reserve Bank of Australia (RBA) had done its job. Since then, price pressures have...
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Investors Claim Biggest Lending Share Since 2016

Posted on by Laze Spasevski
Investors Claim Biggest Lending Share Since 2016
Investors claim the biggest lending share since 2016 as more investors are stepping back into the market. This data shows that it’s a big shift. The latest figures from the Australian Bureau of Statistics show the value of investor loan commitments jumped 17.6% in the September 2025 quarter, and was 18.7% higher than a year earlier. Investors now account for 40.6% of the value of all new...
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How SMEs are Upgrading Without Cash Strain

Posted on by Laze Spasevski
How SMEs are Upgrading Without Cash Strain
Despite the soft economy, many SMEs are upgrading vehicles, machinery and technology – but doing it in a way without cash strain. The Australian Bureau of Statistics reports that loans for plant and equipment were 9.4% higher in the September quarter than the year before and 36.9% above the 10-year average. That’s not a business sector pulling back – that’s a sector investing, carefully ...
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Prime Commercial Spaces Set to Outperform in 2026

Posted on by Laze Spasevski
Commercial demand reshapes as quality assets lead
Commercial property isn’t moving in a straight line, and Knight Frank’s 2026 outlook highlights the spaces set to outperform in 2026 as the next phase of the cycle looks very different from the past decade. After years of ‘beds and sheds’ outperformance, the gap between sectors is narrowing. Office and retail assets are now positioned to deliver stronger income returns in 2026. Driven by gr...
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New Lending Caps: Impact on Borrowers

Posted on by Laze Spasevski
How new lending caps could change your budget
An impending change could reduce how much some borrowers can borrow – but the impact will vary widely between authorised deposit-taking institutions (ADIs) that issue home loans. From 1 February 2026, ADIs must ensure no more than 20% of their new home loans go to borrowers whose loan size is six times their income or more. For context, that would mean a loan of more than $600,000 for someo...
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RBA’s 2026 Update on Refinancing

Posted on by Laze Spasevski
2026 RBA Update on Refinancing Conditions
If your loan is due for refinancing this 2026, it’s important to be aware of the RBA’s latest update. While borrowing could be easier in some areas, persistent inflation means lenders are likely to remain cautious. What the RBA sees: Borrowing costs are lower because of recent interest rate cuts. Loans are still widely available, and extra charges for risk are low. But in...
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Homes Taking Slightly Longer to Sell

Posted on by Laze Spasevski
Homes selling slower, prices holding firm
Selling conditions in Australia’s housing market have shifted slightly, with homes taking slightly longer to sell. However, sellers are still achieving strong results. New data from Cotality shows that the median time to sell a home by private treaty rose to 30 days in the September quarter, up from 27 days a year earlier. A longer selling time typically signals a dip in buyer urgency. Howe...
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New Payday Superannuation Bill 2025

Posted on by Laze Spasevski
Payday super law to start from 2026
From 1 July 2026, employers will be required to pay super at the same time as wages, under the new Payday Superannuation Bill 2025. The reform is designed to help workers grow their retirement savings by ensuring super is paid more regularly. But for small businesses, especially those that pay staff weekly, it will mean new processes. Tighter cash-flow management and potential system upgrad...
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Many Borrowers Turning to Mortgage Brokers

Posted on by Laze Spasevski
Brokers fill gap as branches close
With bank branches closing as services move online, many borrowers are turning to mortgage brokers for personalized guidance that big institutions can no longer provide in person. The number of bank branches across Australia has fallen sharply, down 5% over the past year.  And a staggering 33% over the past five years, according to Canstar analysis of official banking data. With most tra...
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