Analysis and practical guides.
Regulation, credit strategy, and lending mechanics. Written for borrowers and the professionals who advise them.
APRA's DTI Cap: What It Means for Property Investors in 2026
APRA's debt-to-income cap, effective February 2026, permanently restricts bank lending to borrowers with debt ratios above 6×. Non-bank lenders are exempt from this cap. Here is what that means in practice.
Alt-Doc Lending: A Practical Guide for Self-Employed Borrowers
Banks require payslips. If you are self-employed, you probably don't have them. Alt-doc lending exists to solve this problem. Here is how it works, what lenders actually accept, and what you need to prepare.
Non-Bank vs Bank: Understanding the Rate Premium
Non-bank lenders charge more than banks. The premium is real, measurable, and in many cases rational. Understanding when the premium is worth paying — and when it is not — is the most important decision in non-bank lending.
How Non-Bank Lenders Assess Adverse Credit History
A bank decline for adverse credit is automatic. Non-bank specialist lenders approach adverse credit differently — assessing recency, cause, amount, and conduct. Here is how that assessment works.
The Portfolio Ceiling: Why High-Income Investors Are Running Into the APRA Wall
APRA's DTI cap is cutting off portfolio growth for investors with strong incomes and clean credit. Here is what is happening and what exists beyond the bank system.
Alt-Doc Lending: What Your Accountant's Letter Actually Does
Banks require payslips. Non-bank lenders accept accountant declarations. Understanding the difference is the first step to getting your application right.
Adverse Credit and Non-Bank Lending: What the Recency Clock Actually Means
A default from five years ago is assessed completely differently to one from six months ago. Here is how specialist lenders think about credit history.
Second Mortgages and Equity Release: Accessing Capital Without Disrupting Your Existing Rate
Homeowners with equity can access capital through a second mortgage without refinancing their first loan. Non-bank lenders are the primary providers of this product.