Plain-English thinking on lending.
Short reads for clients. Sharper talking points for partners. Written by people who structure loans for a living.
It feels hard because it is: making sense of a maintenance season
Households are carrying one of the heaviest interest burdens on record while incomes sit a decade behind. If getting ahead feels out of reach this year, the data says the season changed, not you.
Negative gearing changed. The fundamentals didn't.
I joined Terry Condon to talk through what the proposed tax changes and an uncertain rate outlook mean for home buyers and investors. The short version: know your numbers, hold a buffer, and avoid knee-jerk moves.
Flat on paper, busy in the room: our Q2 2026 property read
The latest Cotality data says national home values flatlined in May. That is not what our discovery calls sound like. Our Q2 read lays the numbers over what clients are actually telling us, from defensive equity moves to the budget rattling investors.
How much can you borrow? What sets your limit in 2026
Borrowing capacity is the most common question we hear. Here's what lenders measure in 2026, why the 3% buffer matters most, and why two lenders can land more than $200,000 apart on the same household.
Rates round-tripped this year. Here's what it cost you.
Over twelve months the cash rate fell to its lowest point of the cycle, then climbed straight back. On an $800,000 loan that round trip added about $4,577 a year to repayments.
Rather just talk it through?
Thirty minutes, no cost, no obligation. We'll listen, sketch the options, and tell you straight whether we can help.