Mortgage Broker Strategies for First-Time Buyers
Before a first-home buyer signs, confirm the 5% Deposit Scheme price cap and lender, the deposit trail and the finance date. A broker's file checklist.
How Many Mortgage Brokers Work in Australia?
Australia has more than 22,000 mortgage brokers, who settle over 80% of new home loans. See the number of brokers and where the figures come from.
Mortgage Broker Business Models in Australia
Every brokerage is a licensee or a group appointed under another licence. Compare each mortgage broker business model: franchise, independent, virtual.
How to Handle Mortgage Arrears and Defaults
Your client missed a repayment. Here is what happens when a borrower defaults on a mortgage, how to lodge hardship early and what arrears do to your trail.
Mortgage Pipeline and Workflow Management
Files stall at the same handoffs. Map each stage to settlement and delegate unlicensed work. Use pipeline management numbers to see where files wait.
Refinancing a Home Loan: Costs and Break-Even
Is a lower rate worth switching for? Work out the break-even month for refinancing your home loan, price every cost and test a retention offer.
What is Mortgage Stress in Australia?
Mortgage stress usually means housing costs above about 30% of income. Learn the warning signs, the lender's hardship duty and where to get help.
Negative Gearing in Australia: The 2026 Changes
In Australia, investors who held property before the Budget cut-off keep negative gearing. Check how the 2026 changes treat later purchases.
How to Negotiate With Lenders as a Broker
Get a written pricing exception, not a verbal discount. Send your BDM a one-page scenario and a real competing offer as your mortgage negotiation strategy.
What is a Neo Bank in Australia?
Before you trust an app-only bank, find who holds its licence. Neo banks in Australia run on ADI licences, and deposit protection follows the licence.
Net Rental Property Loss: Tax and Lending Rules
Is your rental property costing more than it earns? A net rental property loss cuts taxable income, but lenders read it differently.
Net Servicing Ratio (NSR): Meaning and Formula
In finance, NSR stands for net servicing ratio: net operating income over debt service. See the formula and the 1.25 commercial benchmark.
Mortgage Broker Networking in Australia
Your broker network grows when a named person sends a second file. Use events, BNI and referral clubs, a 30-second pitch and alumni groups, then follow up.
Non-Conforming Mortgage Lenders in Australia
Compare three non-conforming lenders, Pepper Money, Resimac and Bluestone, for clients with defaults or irregular income, and see where private funds fit.
Non-Resident Home Loans in Australia
Foreign buyers cannot buy established homes while the temporary ban runs. See who can still buy and what non-resident lending asks on deposits and fees.
Open Banking in Australia for Mortgage Brokers
How does open banking in Australia change statement collection? See how the Consumer Data Right works and how it differs from login-based tools.
Pay Off a Mortgage Faster: How Long It Takes
Your loan term sets how long a mortgage takes to pay off, often 25 to 30 years. Extra repayments and an offset can cut years off.
Portfolio Loans: One Limit, Several Properties
Heard of a portfolio loan? In Australia it usually means one facility secured by several properties. See how it works and what it does to selling one.
Principal and Interest vs Interest-Only Loans
When an interest-only period ends, the repayment jumps. Compare principal and interest with interest-only on total cost, lender assessment and the exit.
Private Lender Loans in Australia: How They Work
Private lender loans fill gaps banks leave, at higher rates, fees and refinance risk. Here is when they fit and which consumer credit duties still apply.
Mortgage Broker Professional Indemnity Insurance
Credit licensees need adequate compensation arrangements under RG 210. Choose PI insurance for mortgage brokers by limit, exclusions, excess and dates.
Mortgage Broker Public Relations and Media Kits
How does a mortgage broker get quoted by journalists? Offer evidence-backed commentary, keep a media kit ready and know the claim rules before you speak.
Choosing a Mortgage Broker: 10 Questions to Ask
When you meet a mortgage broker, check their licence, lender panel, fees and loan reasoning. Use these ten questions to pick the right broker.
Understanding Redraw on Home Loans in Australia
Why does your redraw amount change, and does using it affect tax? See how a home loan redraw facility works, its limits and how it differs from offset.
Moving From Residential to Commercial Broking
Getting started as a commercial mortgage broker? Secure a written commercial appointment, PI cover and panel access before quoting a commercial file.
What is a Reverse Mortgage in Australia?
A reverse mortgage lets homeowners over 60 borrow without repayments, but interest compounds at higher rates and lenders must show projections first.
Runoff and Drop-Off Rates for Mortgage Brokers
Loans that leave early cut future trail. Learn to calculate runoff rate, find discharges on trail statements and track your pipeline’s drop-off rate.
Rural Home Loans for Country Homes and Acreage
Before you buy a country home or acreage, check whether a standard home loan applies. Rural home loans turn on postcode, land size and property use.