borrowing

The recent changes to CBA’s HECS-HELP debt serviceability are for a niche type of borrower. However, the benefits have proven substantial.

Some Australians borrow more to “keep up with the Joneses” but not for houses, latest data has revealed.

As property investors navigate the second half of 2026, many have become more cautious about the market, with declining borrowing capacity shifting sentiment.

Housing affordability has fallen to new lows in the 2026 financial year, with the national median-income household only able to afford 12 per cent of homes sold during the year.

Mortgage and finance brokers have warned that the newly announced CGT and negative gearing changes are tightening the screws on borrowing capacity.

The door has closed on residential SMSF borrowing, but brokers say investors are unlikely to simply walk away from property altogether, with activity expected to shift towards other assets ...

Dreams of owning a property may have been dashed due to high rates and serviceability buffers squeezing borrowing power, a Domain report says.

Business owners are becoming more conservative with borrowing after recent data highlighted challenges are persistent.

New data from digital non-bank lender OnDeck indicates that SME activity is returning to growth, with figures showing a rise in borrowing for expansion rather than short-term survival.

The cumulative impact of four rate hikes this year has cut borrowing capacity by almost $90,000, according to data analytics company Cotality.

A growing number of divorces have led to fresh challenges for brokers around refinancing and post-break-up borrowing capacity.

Commercial brokers expect strong borrowing demand from Australia’s healthcare, financial, and professional services sectors in the coming months, while outlooks for trade-related industries ...

New research has highlighted the impact of factors beyond salary and deposit size that can affect an individual’s borrowing power.

Australia’s housing industry has released a statement urging the government to allow SMSF borrowing for new homes until the restrictions are independently assessed.

Lenders are adjusting policy settings in ways that could quietly increase borrowing capacity for some borrowers, as they look to remain competitive amid changing regulatory settings.