Independent Australian analysis: why bank rate pass through remains incomplete in 2026, with RBA cash rate, deposit spreads, and wholesale funding costs explained. Data-driven briefing for mortgage borrowers.
Lenders in 2026 rely on granular bank statement analysis for low-doc loans, scrutinising income proxies, living expenses, and transaction narratives under APRA’s tightened standards. Read Arrivau’s guide.
Real conversion data comparing mortgage broker vs direct bank application outcomes: 67.8% broker settlement rate versus 41.3% direct. Independent analysis drawing on APRA, RBA and ASIC data.
Real conversion data exposes a wide gap between mortgage broker and direct bank applications. Australian borrowers gain 30–50 percentage points higher settlement rates through broker channels.
In 2026, the Australian non-bank lender sector intensifies its competition as Pepper, Liberty, Resimac and Bluestone vie for self-employed, alt-doc and near-prime borrowers. This deep analysis covers rates, regulation and broker strategies.