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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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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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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 Expects Small Businesses Cash Flow to Ease

Posted on by Laze Spasevski
RBA expects small business relief ahead
The Reserve Bank of Australia (RBA) expects cash flow pressures on small businesses to ease. This is because recent rate cuts begin to flow through to lower borrowing costs and improved financial confidence. In its latest Financial Stability Review, the RBA said smaller firms are likely to feel the benefits sooner, particularly those with variable-rate loans secured against property. Becaus...
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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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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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Australians Find Better Value in Building

Posted on by Laze Spasevski
Home Construction Rises as Conditions Improve
With established property prices climbing, more Australians find better value in building. This is reflected in new data from the Housing Industry Association (HIA), which shows new home sales rose 25.9% in September and 4.0% over the quarter. HIA chief economist Tim Reardon said lower interest rates, government incentives and rising property prices have made building comparatively more aff...
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New Guidelines Supporting Customers with Financial Hardship

Posted on by Laze Spasevski
New Guidelines Supporting Customer with Financial Hardship
Australia’s banks have strengthened their commitment to supporting customers experiencing financial hardship, with new industry guidelines aimed at making assistance more compassionate and easier to access. The updated guidelines, which was released by the Australian Banking Association (ABA), outline best practice for how banks should assist customers who are under pressure. These could ei...
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Rate Cut Driving Property Price Growth

Posted on by Laze Spasevski
Rate Cut Driving Property Prices Growth
“This February’s rate cut was a clear turning point for driving the growth of property price.” said Cotality research director Tim Lawless – and the numbers back him up. National property prices rose 0.6% in June, marking the fifth consecutive month of growth. Over the past five years, the national median has increased by 44.3%, despite several dips along the way. Mr Lawless said the lat...
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Lenders Offering Low Fixed-Rate Mortgages

Posted on by Laze Spasevski
Lenders Offering Low Fixed-Rate Mortgages
A limited number of lenders are now offering low fixed-rate mortgages whose interest rates start with a ‘4’, although variable rates continue to have a ‘5’ (at least) in front of them. So, are fixed rates about to make a comeback and is now the right time for you to fix your loan? That depends on your personal circumstances and what you anticipate will happen in the future. Here’s what t...
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