Expert insights on Australian non-bank lending, property finance, and market trends.
切换中文版 →非银行贷款机构融资规模创历史新高——对澳洲借款人意味着什么？
MONEYME has priced its largest-ever asset-backed securities deal, reflecting strong institutional confidence in Australia's non-bank lending sector. For self-employed borrowers and those who rely on alternative lenders, a well-funded non-bank market means better rates, more loan availability, and greater sector stability.
澳联邦银行示警信贷风险上升——自雇人士和非标准借款人该如何应对？
Commonwealth Bank's latest quarterly update shows strong lending growth but flags emerging credit quality concerns. When major banks tighten their credit standards, self-employed borrowers, new migrants and those without standard payslips typically feel the impact first — and non-bank lenders become more essential than ever.
ATO税务数据共享正式进入贷款核实体系：自雇人士必读
The 2026–27 Federal Budget funds ATO data sharing through the Consumer Data Right — a move that could transform income verification for self-employed borrowers. Here'\''s what it means now and what to do today.
薪资增长降温至0.8%：高利率叠加薪资放缓如何影响澳洲借款人？
The March 2026 Wage Price Index held at just 0.8% as the RBA cash rate hit 4.35%. For salaried workers, borrowing capacity is shrinking — while self-employed borrowers face different challenges that Alt Doc loans are designed to address.
P&N Group与Bank Australia合并谈判：银行整合浪潮下，为何非银行贷款机构越发不可替代？
P&N Group and Bank Australia are in merger talks — continuing a decade-long consolidation trend in Australian banking. For self-employed borrowers, migrants, and near-prime applicants, fewer banks mean fewer options. Here'\''s why non-bank lenders matter more than ever.
区域房市全面跑赢首府城市——自雇人士和新移民如何把握置业良机
CoreLogic's May 2026 data shows regional property markets outperforming capital cities as internal migration accelerates. For self-employed buyers and new migrants, non-bank lenders offer a practical path into these more affordable markets.
联邦预算出炉，投资贷款激增——房产投资者须知三大要点
New data shows investor lending outpacing owner-occupier borrowing in March 2026, and brokers expect a further surge following the 2026-27 Federal Budget. Self-employed investors face unique financing challenges that non-bank Alt Doc loans can solve.
APRA拟简化银行牌照审批——非银行贷款机构为何依然不可替代
APRA released a new draft bank licensing framework for consultation on 13 May 2026. While more banking competition is positive long-term, it won't solve the core problem facing self-employed and non-standard borrowers — and here's why.
海外买家涌入澳洲内城区：新移民如何突破贷款障碍实现置业？
Overseas home hunters are surging into Australian inner-city suburbs. For new migrants and PR holders, non-bank lenders offer flexible documentation and bilingual service that the Big Four can't match.
CoreLogic 5月报告：悉尼墨尔本房价降温，全澳租金创历史新高
CoreLogic's May 2026 data shows home values easing in Sydney and Melbourne while rents hit record highs — creating a compelling case for non-standard borrowers to explore ownership.
澳联储加息至4.35%：自雇人士和新移民借款人如何应对？
The RBA raised the cash rate to 4.35% on May 5, 2026. Higher rates are tightening bank lending criteria — creating more opportunity for non-bank alt doc solutions.
2026-27联邦预算：20亿住房投入与投资税改全解析
The Australian government has announced a $2 billion housing package and investor tax reforms in Budget 2026-27. Here's what self-employed buyers, property investors and developers need to know.
2万澳元小企业即时资产抵税政策永久化——自雇贷款人须知
The $20,000 instant asset write-off for small businesses has been made permanent in Budget 2026-27. For self-employed borrowers, this creates both opportunity and a key challenge when applying for home loans.
北领地与南澳平均贷款额激增逾10.5万澳元——高利率下借款人如何应对
Average home loan sizes have surged by more than $105,000 in the Northern Territory and South Australia, as higher interest rates force Australians to borrow more just to keep pace with rising property prices.
复杂借款人已成常态——对非标准贷款申请人意味着什么
New research shows complex home loan applications have become the majority in Australia, as brokers warn that bank credit settings are increasingly shutting out self-employed, migrant, and multi-income borrowers.
桥接贷款正在改变澳洲人的购房方式——借款人须知
Industry research shows bridging finance is shifting from a niche product to a mainstream first-mover tool, as more Australians use short-term loans to buy before they sell — with non-bank lenders leading the market.
澳洲楼市下行已正式开始——房价下跌对贷款申请人意味着什么
New data from CoreLogic and Australian Broker confirm a housing downturn is now underway, with Sydney and Melbourne leading price declines. Here's what this means for property buyers navigating higher rates and tighter bank credit.
MFAA与CAFBA联合发布中小企业财务预警指南——小企业借款人须知
Industry bodies MFAA and CAFBA have released a joint guide helping brokers spot early signs of SME financial stress. With the RBA cash rate at 4.35% after three hikes in 2026, small business owners face mounting pressure — and non-bank lenders are stepping up.
APRA暂时撤回外部信用评级机构认定指南——非标准借款人须知
APRA has temporarily withdrawn its guidelines on recognising External Credit Assessment Institutions, signalling a shift in how banks calculate credit risk. For self-employed and non-standard borrowers, this regulatory movement reinforces the advantage of non-bank lenders.