Expert insights on Australian non-bank lending, property finance, and market trends.
切换中文版 →APRA因流动性问题向ING澳洲加罚资本，对贷款人意味着什么？
APRA has imposed a capital add-on on ING Australia after uncovering years of overstated liquidity ratios. The move comes as the RBA holds the cash rate at 4.35% and CPI sits at 3.5% (July 2026).
为什么澳洲八成房贷借款人选择贷款经纪人？非银行贷款的崛起
Mortgage brokers have hit a record market share milestone in Australia, with approximately 8 in 10 borrowers now choosing broker guidance over direct bank applications. This shift is reshaping how self-employed individuals, new migrants, and complex-income borrowers access non-bank lending solutions.
澳洲换贷潮激增：2026年自雇人士和非银行借款人如何把握机会
Mortgage switching in Australia has surged in 2026, with lenders facing record pressure to retain borrowers. For self-employed individuals and borrowers with complex income structures, this competitive environment creates a genuine opportunity to refinance into Alt Doc non-bank products that better match their current financial profile.
澳洲7月失业率升至4.5%：ABS劳工数据对房贷借款人意味着什么
The ABS confirmed Australia's unemployment rate rose to 4.5% (seasonally adjusted) in July 2026, strengthening the case that the RBA's tightening cycle may have run its course. With inflation at 3.8% and average weekly earnings at $2,083.70, the data has direct implications for self-employed borrowers and non-bank lending demand.
Pepper Money创H1历史最强，AFG利润暴涨39%：澳洲非银行贷款机构为何正成为借款人首选
Pepper Money reported its strongest ever half-year result in H1 2026, while Australia's largest mortgage aggregator AFG posted a 39% FY2026 profit jump and record settlement volumes — both reported on 20 August 2026. Together, these results confirm the non-bank and broker channel is capturing significant market share from the major banks.
非银行贷款机构年增65%：澳洲银行信贷收紧之际，自雇人士和新移民如何找到出路
Non-ADI lenders have recorded a 65% year-on-year jump in home loan activity as Australia's major banks tighten credit standards in 2026. With the RBA cash rate steady at 4.35% and APRA increasing regulatory pressure on banks, self-employed borrowers, migrants, and complex-income applicants are turning to non-bank lenders in record numbers. Here is what the surge means for borrowers who do not fit the standard bank mould.
交割日前突然出现贷款缺口怎么办？桥接贷款如何保住澳洲房产成交
A last-minute valuation shortfall, stamp duty funding gap, or LMI threshold can unravel an otherwise solid Australian property deal at settlement. Short-term bridging finance from non-bank lenders is increasingly used to fill this gap and protect the transaction within 24 to 48 hours. Here is how settlement bridging finance works and who qualifies.
AFG联手Bridgit推出桥接贷款产品：2026年澳洲换房族的完整指南
Australia's largest mortgage aggregator AFG has launched a white-label bridging finance product with fintech lender Bridgit, built for property upgraders and downsizers. With CoreLogic data showing a widening housing downturn and days-on-market extending, here's what borrowers need to know about eligibility, costs, and how non-bank lenders compare.
澳洲贷款机构利率分化：一家银行突破6%关口，CBA数据揭示部分借款人缓冲层出现裂缝
Three Australian lenders cut variable rates on 18 August 2026 while two others hiked, with one bank breaking below 6% for the first time this cycle. CBA data simultaneously reveals early cracks in mortgage customer buffers, against a backdrop of 3.8% CPI and 4.4% unemployment (ABS June 2026).
投资房贷款骤降8.6%：2026年澳洲预算改革后，被银行拒绝的投资者还有哪些出路？
PIPA warns that established property investors have 'almost vanished' from the Australian market following May 2026 budget reforms to negative gearing and CGT, with investor lending down 8.6%. Non-bank lenders offering alt-doc and commercial products remain the primary pathway for complex-income investors who no longer qualify at major banks.
银行将中小企业贷款利润压至五年新低：创纪录高位背后，自雇华人为何仍被拒门外？
A new ABA report finds banks have cut small business loan margins to a five-year low as SME lending hits record highs. But this competition targets only 'clean' borrowers -- self-employed Australians with complex income or alt-doc requirements continue to face high rejection rates regardless of the rate environment.
澳洲ABS二季度贷款数据：住房贷款承诺量大幅萎缩，投资性贷款跌幅最深
ABS June quarter 2026 data reveals a broad mortgage-market pullback, with investor lending falling at the steepest rate. As major banks tighten approvals amid Australia's 4.35% cash rate environment, non-bank lenders are stepping in to serve investors and self-employed buyers.
悉尼墨尔本连续第二季度领跌澳洲楼市，各大首府挂牌量攀升形成买方市场
National dwelling values have fallen for a second consecutive quarter, with Sydney and Melbourne leading the decline. Rising listings and softening demand are creating a buyer's market across Australia's capitals in August 2026.
澳联储警告房贷申请量大幅下滑：贷款收紧浪潮中，自雇人士如何突围？
The RBA held the cash rate at 4.35% for a second straight meeting on August 11, 2026, while flagging a 'sharp' fall in new housing commitments. For self-employed borrowers, the lending slowdown means tighter bank criteria — but greater opportunity through non-bank and Alt Doc channels.
首府城市房价持续下跌，但部分可负担郊区询盘量翻倍：非银行贷款如何帮助自雇买家抓住机会？
CoreLogic and Australian Broker data shows buyer enquiries have doubled in some affordable suburbs even as Australia's broader housing market downturn widens. The buyers most active in these markets often have self-employed or non-standard income — making non-bank Alt Doc solutions critical.
2026年澳洲非银行贷款机构为何加速扩张，专注服务收入结构复杂的借款人
LMG Lending has added Bluestone as its seventh non-bank lender, strengthening its complex-income and non-prime offering. This signals that Australia's non-bank sector is actively expanding capacity to serve self-employed and irregular-income borrowers who cannot qualify under major bank criteria — even as the RBA holds the cash rate at 4.35%.
澳洲小企业“静悄悄退出”激增37%：ATO税务债务下，自雇人士如何维护贷款资格？
Equifax data shows Australia's SME voluntary closure rate jumped 37% as ATO tax debt defaults surge across sectors. For self-employed business owners navigating business closure or restructure, alt doc loans, bridging finance, and commercial refinancing through non-bank lenders remain available options even when major bank doors are closed.
澳洲房贷需求连续四个月全国蔓延，自雇人士该如何应对？
Australia's mortgage market has recorded four consecutive months of declining demand across every state and age group. With the RBA holding the cash rate at 4.35% and broker market share hitting a record 81%, non-bank Alt Doc solutions are more critical than ever for self-employed borrowers.
联邦预算后 Westpac 房贷申请量下滑：为什么经纪商渠道和非银行机构正在填补缺口
Westpac's Q3 2026 trading update confirms a sharp post-budget drop in mortgage applications, with proprietary lending share falling. For self-employed borrowers and new migrants, this pattern historically signals an expanding opportunity in the non-bank lending channel.