Expert insights on Australian non-bank lending, property finance, and market trends.
切换中文版 →信托税制改革引发小企业担忧——自雇借款人该如何应对
Small-business advocates warn that proposed new trust rules could sharply lift tax bills for many family-run enterprises. For self-employed borrowers, the change is a reminder that lenders look closely at how trust income flows into a loan application.
“即时支付养老金”7月1日上线——对小企业现金流与借贷能力意味着什么
From 1 July 2026, employers must pay employees' superannuation at the same time as wages, rather than quarterly. The reform is good for workers' retirement savings, but it tightens day-to-day cash flow for small businesses — something self-employed borrowers should plan around.
APRA拟下调银行风险权重——对房产开发与商业借款人意味着什么
APRA has opened consultation on lower risk weights designed to free up bank lending capacity for infrastructure, corporate and property development loans. Here is what the proposal could — and could not — change for borrowers the banks still find too hard.
房贷欺诈上升、NAB呼吁国家经济犯罪战略——为何"真实材料"比以往更重要
NAB has called for a coordinated National Economic Crime Strategy to combat a growing mortgage fraud problem. For honest self-employed and migrant borrowers, the lesson is the opposite of what some fear: properly documented, verifiable income is your strongest asset.
企业信心跌至多年低点——自雇借款人如何让置业计划不掉队
Australian business confidence has fallen to a multi-year low as rate pressure and budget uncertainty collide. For self-employed borrowers, the risk is not just sentiment — it is how a softer trading year shows up in the numbers a lender assesses.
Judo Bank 上调坏账拨备、SME贷款损失浮现——对企业借款人意味着什么
Judo Bank has lifted its credit provisions after a surprise hit from three stressed business borrowers, an early sign that SME credit conditions are tightening. For self-employed and small-business owners, it underscores why a lender that reads the full story of a business matters more than ever.
负扣税与资本利得税改革立法通过——房产投资者与自雇借款人该关注什么
Australia's negative gearing and capital gains tax overhaul has passed into law, with Treasury reporting that 85% of the new tax take comes from investors. The change won't alter who can borrow — but it does change the after-tax maths of property investment, making finance structure and serviceability more important than ever.
通胀顽固停在4.0%——加息忧虑重燃，借款人为何转向债务整合
Australia's annual inflation held at 4.0% in May while unemployment slipped to 4.4%, putting a rate hike back on the table before the RBA's 11 August meeting. As repayment pressure builds, refinancing and debt consolidation are gaining momentum.
ATO欠税压力加剧——中小企业主转向资产抵押与非银行贷款
Broker demand for asset-backed lending is growing as ATO debt pressure and slow traditional lending push Australian SMEs toward alternative finance. For self-employed and small business borrowers, non-bank lenders are increasingly the practical path.
市场降温，澳洲业主却坐拥创纪录房产净值——对再融资与桥接贷款意味着什么
CoreLogic reports homeowners are pocketing record gains even as property market momentum cools. With values flattening but equity high, refinancing and bridging finance become powerful tools for buyers and investors.
政府将禁止SMSF新增住宅借贷——自雇人士与房产投资者须知
The federal government has struck a deal with the Greens to prohibit new Limited Recourse Borrowing Arrangements (LRBAs) for residential property held in self-managed super funds. Self-employed investors who relied on their SMSF to gear into housing will need to rethink their strategy.
城市向区域迁移创历史新高——首府之外的购房融资新机会
Australians are moving from capital cities to regional areas at the fastest pace on record, reshaping where property demand — and lending opportunity — is concentrated. For self-employed and new-migrant buyers, regional markets can mean more affordable entry points and a different financing conversation.
保留CGT、排除财富税——投资者税务确定性遇上多年来最剧烈的房市回调
Labor has confirmed it will keep the capital gains tax framework intact and has ruled out a wealth tax, giving property investors policy certainty just as housing markets face their sharpest correction in years. The combination is creating both risk and opportunity for borrowers.
2026年5月澳洲房价停滞不前——买家和借款人须知
CoreLogic's May 2026 data confirms national home values have flatlined amid stronger headwinds. We break down what the data means for buyers — especially those relying on non-bank finance to enter the market.
ABS更新海外移民数据——澳洲人口增长对华人移民置业意味着什么
The ABS has clarified how to correctly read Net Overseas Migration statistics, confirming that demand from new arrivals — including the Chinese community — remains a structural driver of Australian housing demand.
APRA与RBA双双发声强调银行审慎——2026年非银行贷款机构为何更不可或缺
Both APRA Chair John Lonsdale and RBA's Brad Jones addressed the 2026 ABA Banking Conference this week, signalling that regulatory conservatism in the banking sector will persist. For non-standard borrowers, this makes non-bank lenders more relevant than ever.
CBA大规模取消经纪人资格：对需要灵活融资的借款人意味着什么
Australia's largest bank is cutting ties with hundreds of brokers who haven't lodged recent loans — a move that restricts borrower choice and makes non-bank lenders increasingly essential.
阿尔巴尼斯政府扩大中小企业CGT优惠——自雇人士借款人须知
The federal government has locked in major capital gains tax carve-outs for small businesses following weeks of backlash — easing the burden for self-employed Australians and strengthening their borrowing position.
加息逆转可负担性改善——借款人寻求替代性购房融资路径
Three successive rate hikes have eliminated affordability gains from softer property prices, pushing borrowers toward apartments, rent-vesting, and non-bank finance as they adapt to a tougher market.