Bank vs Broker

Mortgage broker explaining home loan serviceability and borrowing power to an Australian borrower

Home Loan Serviceability: Why Banks Assess a Higher Rate

Alternative vs major lenders, Bank vs Broker, Broker hints and tips!, Home Loan, Informative, Loan Application, Mortgage, Refinance

Home Loan Serviceability • Borrowing Power • APRA Why Banks Assess Your Home Loan at a Rate You’re Not Actually Paying Your home loan rate might be 6%. Yet the bank could assess your borrowing power as though the rate were around 9%. That does not mean the bank thinks you are about to start […]

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Australian couple reviewing home loan rates in 2026 as lenders compete for new customers

Home Loan Rates 2026: Why New Customers Get Better Deals

Bank vs Broker, Competition, Home Loan, interest rates, Market Updates, Mortgage, Mortgage News, Rates, Refinance

Home Loan Rates 2026 • Refinancing • Bank Competition Your Bank Raised Your Rate — So Why Are Lenders Cutting Rates for New Customers? Home loan rates in 2026 are doing something that looks completely backwards. Existing borrowers have absorbed the RBA rate rises, yet lenders are also cutting selected rates to attract new customers.

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