Loans

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State Street has said the Reserve Bank of Australia’s (RBA) decision to hold the cash rate at 3.6 per cent reflects a more hawkish policy bias, signalling that the central bank is likely to keep rates on hold for longer amid persistent inflation pressures.

Dwyfor Evans, Head of APAC Macro Strategy at State Street Markets, said the RBA’s updated statement now projects only one rate cut in 2026, compared with two previously flagged in August, aligning the central bank’s outlook more closely with overnight indexed swap (OIS) pricing.

“The Reserve Bank of Australia (RBA) kept the cash rate unchanged at 3.6%, as widely expected,” Mr Evans said.

“The material change in the language is a more hawkish bias from one further cut expected in 2026 from the two highlighted in the August statement. This brings the RBA view on rates broadly in line with OIS pricing.”

Mr Evans said the RBA’s commentary continued to highlight a tight labour market, which remains a key factor driving both housing activity and discretionary spending. However, he noted that the central bank also acknowledged a moderation in wage growth.

“The RBA continued to focus on a tight labour market, notable given its impact on housing and discretionary spending, but it did explicitly note that wage growth has eased from its peak,” he said.

“Inflation has edged higher, while the State Street PriceStats series for Australia continues to allude to above-target price pressures. All in all, a hawkish bias that will continue to pressure AUD bonds at the margins but maintain a constructive view on the Australian dollar.”

Krishna Bhimavarapu, APAC Economist at State Street Investment Management, said the RBA’s stance was consistent with the recent Q3 CPI surprise, but cautioned that labour market risks could still be underestimated.

“We saw today’s hawkish turn coming after the Q3 CPI surprise last week,” Mr Bhimavarapu said.

“However, we want to emphasize that the outsized impact of electricity rebates and annual reviews. Still, while the lift in inflation forecasts is understandable in that context, we think risks in the labor market are still underappreciated.”

Mr Bhimavarapu said the RBA may keep the cash rate steady for an extended period unless the employment outlook weakens faster than expected.

“The unemployment rate might be anchored at 4.5% for some time, but perhaps less likely till 2027,” he said.

All the developments point to the RBA holding cash rate at 3.60% for the foreseeable future, unless the risks in the labor market materialize sooner than even we anticipate.”

State Street is one of the world’s leading providers of financial services to institutional investors, with US$46.8 trillion in assets under custody and administration and US$4.7 trillion in assets under management.

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-11-04 22:00:45" ["slug"]=> string(65) "19212:state-street-rba-holds-rates-at-3-6-as-hawkish-tone-emerges" ["event"]=> object(stdClass)#9750 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

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State Street has said the Reserve Bank of Australia’s (RBA) decision to hold the cash rate at 3.6 per cent reflects a more hawkish policy bias, signalling that the central bank is likely to keep rates on hold for longer amid persistent inflation pressures.

Dwyfor Evans, Head of APAC Macro Strategy at State Street Markets, said the RBA’s updated statement now projects only one rate cut in 2026, compared with two previously flagged in August, aligning the central bank’s outlook more closely with overnight indexed swap (OIS) pricing.

“The Reserve Bank of Australia (RBA) kept the cash rate unchanged at 3.6%, as widely expected,” Mr Evans said.

“The material change in the language is a more hawkish bias from one further cut expected in 2026 from the two highlighted in the August statement. This brings the RBA view on rates broadly in line with OIS pricing.”

Mr Evans said the RBA’s commentary continued to highlight a tight labour market, which remains a key factor driving both housing activity and discretionary spending. However, he noted that the central bank also acknowledged a moderation in wage growth.

“The RBA continued to focus on a tight labour market, notable given its impact on housing and discretionary spending, but it did explicitly note that wage growth has eased from its peak,” he said.

“Inflation has edged higher, while the State Street PriceStats series for Australia continues to allude to above-target price pressures. All in all, a hawkish bias that will continue to pressure AUD bonds at the margins but maintain a constructive view on the Australian dollar.”

Krishna Bhimavarapu, APAC Economist at State Street Investment Management, said the RBA’s stance was consistent with the recent Q3 CPI surprise, but cautioned that labour market risks could still be underestimated.

“We saw today’s hawkish turn coming after the Q3 CPI surprise last week,” Mr Bhimavarapu said.

“However, we want to emphasize that the outsized impact of electricity rebates and annual reviews. Still, while the lift in inflation forecasts is understandable in that context, we think risks in the labor market are still underappreciated.”

Mr Bhimavarapu said the RBA may keep the cash rate steady for an extended period unless the employment outlook weakens faster than expected.

“The unemployment rate might be anchored at 4.5% for some time, but perhaps less likely till 2027,” he said.

All the developments point to the RBA holding cash rate at 3.60% for the foreseeable future, unless the risks in the labor market materialize sooner than even we anticipate.”

State Street is one of the world’s leading providers of financial services to institutional investors, with US$46.8 trillion in assets under custody and administration and US$4.7 trillion in assets under management.

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Client retention in broking is no longer about squeezing a better rate at renewal. It’s about building an ‘effortless’ experience that anticipates needs, removes friction, and compounds loyalty across life events. With platform gatekeepers tightening discovery and AI reshaping service delivery, brokers that industrialise low-effort client journeys will outgrow rivals. The playbook blends agentic AI, smart segmentation and niche positioning under robust governance.

" ["fulltext"]=> string(8260) "

Here’s the blunt edge: the next share shift in broking will be won by the firms that make staying absurdly easy. In a market where lenders and platforms increasingly intermediate discovery, brokers have one controllable moat—how little effort it takes for clients to get consistently better outcomes, without asking. That means proactive repricing, timely check-ins, and life-event orchestration delivered through data and agentic AI under tight compliance. It’s retention as an operating system, not a campaign.

Market context: platform risk up, margin for error down

Competition is intensifying. Industry commentary highlights that Australia now has more than 22,000 brokers, making differentiation harder and price-based acquisition more brittle. At the same time, Broker Daily has flagged “digital threats” to the property market and a rise in off-market transactions—shifts that erode traditional discovery channels and standardised pipelines.

The platform backdrop is unforgiving: the ACCC notes that “Google has maintained its position as the dominant search engine in Australia with a market share of nearly 94 per cent” as of August 2024. That concentration pushes paid performance costs up and amplifies algorithm risk. Meanwhile, debate about bank disintermediation continues; industry voices argue that efforts to marginalise brokers will “ultimately fail,” yet the practical takeaway for brokers is clear—own the client relationship beyond the initial deal or risk being commoditised.

Retention economics: CLV beats rate chasing

Retention is a profit engine, not an afterthought. In broking, customer lifetime value (CLV) expands through three levers: tenure (more refinance cycles), share of wallet (e.g., adding commercial or asset finance), and referral velocity (turning clients into advocates). Broker Daily data points to a structural cross-sell opportunity: almost a third of mortgage brokers now also write commercial loans. That diversification turns an annual check-in into a genuinely consultative relationship that can monetise more needs at lower marginal acquisition cost.

A practical diagnostic: plot your portfolio by recency-frequency-monetary (RFM) segments, then overlay a customer effort score (CES) from recent interactions. Where high-value clients report high effort, you have near-term churn risk and immediate ROI for fixing friction. The goal is a retention flywheel—lower effort drives higher satisfaction, which lifts referrals, which improves lead quality and reduces CAC, freeing budget to further improve the experience.

Technical deep dive: agentic AI and the ‘no-ask’ experience

The promise of generative and agentic AI is not flashy chatbots; it’s operational leverage. McKinsey frames agentic AI as a catalyst for rethinking processes through deep enterprise integration. In broking, the high-yield applications are:

• Proactive repricing and refinancing triggers: Agents monitor lender rate sheets, policy changes, and client circumstances to propose “next best action” without client prompting.
• Life-event orchestration: Signals from CRM (e.g., a growing family, business expansion) trigger tailored financing reviews and education, not generic newsletters.
• Document and policy reasoning: LLMs summarise lender conditions and explain trade-offs in plain English, with traceable citations for compliance.
• Personalised communication at meaningful scale: Hyper-relevant messages drafted by AI, approved by humans, and logged with audit trails.

From a systems view, think in an Experience–Process–Platform stack. Experience: ultra-low-friction client touchpoints via email, SMS, and portal. Process: automated workflows for annual reviews, rate checks, and milestone alerts. Platform: data pipelines from CRM, pricing feeds, and lender updates; an orchestration layer that invokes AI agents under policy controls.

Compliance is non-negotiable. The Australian Taxation Office’s work on AI governance underscores the need for controls on general-purpose AI—traceability, human-in-the-loop approvals, and data minimisation. Embed model cards, decision logs, and consent records. Treat prompts and outputs as regulated artefacts, not ephemeral text.

Implementation reality: the three bottlenecks

Most firms stumble on data readiness, orchestration discipline, and governance.

• Data readiness: Clean CRM data (accurate contact details, loan metadata, consent status) is the difference between precision and spam. Begin with a data hygiene sprint and a unified client profile.
• Orchestration: Map a service blueprint from prospect to post-settlement, defining triggers, SLAs, and handoffs. If a client has to ask for a rate review, the system failed.
• Governance: Use a risk-tiered model—low-risk automations (e.g., appointment reminders) can run fully autonomous; high-impact communications (e.g., refinance recommendations) require human approval and recorded rationale.

Public policy momentum is building—Australia’s AI Month 2024 and ongoing government consultations signal increasing expectations on transparency and responsible use. Get ahead of regulation: institute an AI ethics register, periodic bias checks, and a client-facing disclosure on how AI assists your service.

Competitive advantage: specialise, don’t spray

In a field of 22,000 players, generalists blur. Niche plays—such as physicians, self-employed borrowers, or SME property investors—compress client effort because the broker speaks the client’s language and pre-underwrites complexity. Broker Daily’s coverage of specialist brokers shows how focus drives recall and referral density. Pair specialisation with an effortless service promise: “We proactively review your rate quarterly; we prepare your lender pack before you ask; we handle your life event financing end-to-end.” That’s a moat.

Platform risk also argues for owned channels. With Google search so concentrated, shift budget toward community content, email lists, and client portals where you control reach. Referral flywheels beat algorithm roulette.

Market trends: off-market dynamics and the AI commercialisation gap

Reports of increased off-market property activity suggest a rise in trusted networks and private deal flow. Brokers can embed earlier in the journey—partnering with buyer’s agents and accountants—to reduce client effort before a property is even identified. At the macro level, Australia’s AI ecosystem shows a commercialisation gap, according to a 2025 landscape review. For brokers, that’s actually an opening: practical, low-capex implementations (workflow automation, agentic monitoring, analytics) can yield outsized gains while competitors hesitate.

Future outlook and a pragmatic roadmap

Gen AI is already moving the real estate stack—from lead scoring to property insights and valuations, as global analysis highlights. Expect lenders to accelerate automated credit decisioning and granular policy changes. Brokers that wire AI into retention will counter with anticipatory service, making it easier to stay than to switch.

Roadmap:

• First 90 days: Clean CRM data; define three “effort killers” (annual review workflow, repricing trigger, settlement-to-90-day nurture); pilot an AI drafting tool with human approval.
• 6–12 months: Stand up an orchestration layer; integrate lender policy feeds; roll out CES measurement; launch one niche segment with tailored playbooks.
• 12–24 months: Deploy agentic monitoring for portfolio-wide next-best actions; implement model governance (model cards, drift monitoring); expand cross-sell into commercial where relevant.

The effortless edge is not a slogan. It’s an operating commitment: remove work from the client, before they notice the work exists. In a platform-dominated market with rising digital threats, that’s how brokers keep customers—and margins—long after the first deal closes.

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Client retention in broking is no longer about squeezing a better rate at renewal. It’s about building an ‘effortless’ experience that anticipates needs, removes friction, and compounds loyalty across life events. With platform gatekeepers tightening discovery and AI reshaping service delivery, brokers that industrialise low-effort client journeys will outgrow rivals. The playbook blends agentic AI, smart segmentation and niche positioning under robust governance.

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A new industry white paper promises a map for mortgage broking’s next decade. The real story: distribution power is shifting from rate comparison to data-led advice, and firms that industrialise AI and compliance will outpace those that merely digitise forms. With broker market share at a record high and borrower behaviour fragmenting, the competitive frontier is now customer acquisition economics, trust, and workflow automation. Here’s how the sector can convert momentum into durable advantage by 2030.

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The key implication: Australian mortgage broking is moving from transactional matchmaking to continuous, data-driven advisory. By 2030, competitive advantage will come less from ‘shopping the market’ and more from orchestrating borrower data, automated compliance, and lightning-fast credit policy navigation—at meaningful scale.

Market context: strength meets stress

Broker distribution has never been stronger—industry reporting points to record share of new home lending written by brokers. That strength brings spotlight and scrutiny. The Australian Competition and Consumer Commission’s earlier inquiry observed that brokers “revitalised price competition and revolutionised” home loan markets, underscoring the channel’s role in contestability (ACCC, 2018). Yet the next phase is less about raw access to lenders and more about mastering complexity.

Borrower behaviour is shifting. National Australia Bank research cited by The Adviser highlights a rise in first home buyers co-buying through joint mortgages, a signal of affordability pressures and more intricate structures. Joint purchases, guarantors, variable income profiles, and investor portfolios enlarge the advice surface area—and with it, compliance overhead. This is fertile ground for brokers, but only those with robust digital workflows can keep unit economics healthy as case complexity rises.

Five Forces in 2025: where pressure will bite

Using Porter’s lens reveals the pressure points to 2030:

• Rivalry: Brokerages and aggregators are consolidating capabilities; digital lenders and bank direct channels compete on speed and UX. Expect arms races in workflow automation and client portals.
• Threat of new entrants: Low-code fintech stacks and vendorised AI lower entry barriers for niche players (e.g., expat lending, co-buying advisory), but scaling distribution and compliance remains hard.
• Buyer power: Borrowers compare extensively and expect consumer-grade digital experiences. Rising sophistication tilts advantage to firms that personalise and pre-empt needs using data.
• Supplier power: Lenders’ policy changes and turnaround variability punish manual processes. Brokers who codify policy logic gain cycle time advantages.
• Substitutes: Embedded finance in proptech and employer benefits could channel demand away from traditional brokers. Defensible positions rely on trust and scenario modelling—not just access to rates.

Technical deep dive: the 7-layer broker stack for 2030

The future broker is a systems integrator. A pragmatic reference stack is emerging:

1. Data ingress: Structured capture of income, expenses, and property data via secure portals. Increasing use of document AI to extract and validate bank statements and payslips.
2. Consent and governance: Explicit consent flows, audit trails, and model risk registers aligned to evolving government guidance on AI governance (the Australian Government’s 2024 interim response frames guardrails; the ATO’s AI governance approach emphasises controlled deployment of general-purpose AI).
3. Policy intelligence: Searchable credit policy engines augmented by large language models to summarise lender rules and flag eligibility gaps, with human-in-the-loop controls.
4. Workflow automation: Orchestration of tasks—from KYC/eKYC and ID verification to valuation ordering and lender packaging—reducing rework and error rates.
5. Advice co-pilots: Gen AI assistants draft scenario comparisons and produce consumer-friendly rationales, checked against Best Interest and responsible lending requirements before release.
6. Analytics and forecasting: Pipeline velocity, approval probabilities, and trail revenue forecasts to optimise effort allocation and staffing.
7. Integration and interoperability: APIs into lender gateways, valuation platforms, and payments. The goal is straight-through processing for standard files and guided exception handling for complex cases.

The governance piece matters. Public sector exemplars like the ATO’s AI oversight framework show how to pair capability with control: define system purpose, monitor model performance, and bound use of general-purpose AI. For brokers, that translates to role-based access, red-teaming of prompts, bias checks, and immutable advice audit trails.

AI ROI: from hype to hard metrics

Australia’s AI ecosystem has grown, but government and independent analyses still note a commercialisation gap versus peer economies (June 2025 assessments of the local AI landscape). That gap will nudge brokerages to adopt proven vendor platforms rather than build from scratch—and that’s fine if economics stack up.

Global case studies show generative AI is delivering measurable productivity gains across document-heavy workflows (industry roundups in late 2025 detail payback measured in months for high-volume, rules-bound processes). In broking, three ROI levers dominate:

• Cycle time compression: Automating data extraction and policy checks can cut days from submission-to-approval, lifting conversion.
• Capacity expansion: File-per-broker per month can rise without adding headcount, improving revenue per FTE.
• Compliance cost containment: Automated evidence trails reduce remediation risk and audit time.

Model the business case with conservative assumptions: 10–20 percent improvement in file throughput, a 5–10 percent uplift in conversion from faster responses, and a 15–30 percent reduction in admin time for standard files. Stress-test against vendor lock-in and inference cost volatility.

The new battleground: customer acquisition economics

Distribution power can be undone by acquisition costs. With Google holding about 94 percent share of general search in Australia as recently as August 2024 (ACCC), the paid-search tax is real. Over-reliance on auction-based lead gen compresses margins and invites platform risk.

Winning brokers are diversifying:

• First-party data: Always-on content and tools (borrowing power calculators, scenario explainer videos) to capture consented leads.
• Referral ecosystems: Accountants, buyers’ agents, and proptech platforms provide lower-cost, higher-intent traffic.
• Community niches: Specialisation (self-employed, co-ownership, multilingual segments) drives organic referrals and defensible positioning.
• Loyalty and lifecycle: Post-settlement engagement and automated repricing alerts to retain clients through rate cycles.

Competition and consolidation: what the regulators are watching

Competition reviews over the past decade have stressed broker-driven price contestability while also probing incentives and transparency. As merger policy modernises (Treasury’s Competition Taskforce consultation in 2024), aggregator consolidation and platform tie-ups will be scrutinised. The strategic takeaway: scale is useful, but independence and advice integrity are assets. Clear remuneration disclosure and robust best-interest documentation become differentiators, not just obligations.

Scenarios to 2030: choose your game

• Platform-era consolidation: A few tech-forward aggregators run quasi-utilities (policy engines, compliance platforms), and most brokers plug in. Margins compress but volumes rise; winners monetise data and services.
• Trusted adviser renaissance: Advice-centric boutiques use AI co-pilots to deliver bespoke scenarios, charge for complexity, and build premium, low-churn books.
• Squeezed middle: Firms without distinctive acquisition channels or automation struggle as costs rise and direct digital channels improve.

12–24 month playbook: build the spine, then scale

Practical steps for principals and aggregators:

• Data and consent: Implement unified client intake with explicit consent logging and data minimisation. Prepare for broader use of data-sharing frameworks and lender API expansion.
• Policy codification: Stand up a central, searchable policy repository. Pilot an LLM summariser with human QA for internal use only.
• Workflow automation: Target two high-friction steps (document QC and submission packaging) for automation; set KPIs for cycle time and rework rate.
• Acquisition diversification: Shift 15–25 percent of spend from paid search into referral partnerships and first-party content with measurable lead quality benchmarks.
• AI governance: Adopt a lightweight framework mirroring public-sector best practice: purpose statements for each AI use, access controls, bias testing, and audit trails.
• Talent upskilling: Train brokers and support staff on prompt hygiene, policy tools, and client communication with AI assistance.

Mortgage broking’s next era will reward firms that treat technology and governance as core capabilities, not bolt-ons. The distribution pie may keep growing, but the real prize is productivity, trust, and resilience in acquisition channels. Map those three vectors today, and 2030 looks less like disruption—and more like compounding advantage.

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-10-29 04:43:02" ["slug"]=> string(71) "19149:mortgage-broking-2030-from-rate-hunting-to-ai-orchestrated-advice" ["event"]=> object(stdClass)#9772 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

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A new industry white paper promises a map for mortgage broking’s next decade. The real story: distribution power is shifting from rate comparison to data-led advice, and firms that industrialise AI and compliance will outpace those that merely digitise forms. With broker market share at a record high and borrower behaviour fragmenting, the competitive frontier is now customer acquisition economics, trust, and workflow automation. Here’s how the sector can convert momentum into durable advantage by 2030.

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The share of Australian borrowers classified as ‘at risk’ has fallen to its lowest level since early 2023, according to Roy Morgan. Yet the absolute number of households under pressure has risen by more than half a million as the borrowing base has grown. For banks, brokers, retailers and policymakers, this is not a victory lap — it’s a repricing phase with hard choices on margins, retention and customer support. Here’s what the data signals and how to position for the next credit cycle.

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Key implication: Mortgage stress is moderating in percentage terms, but the system is carrying more borrowers at risk in absolute terms. That combination points to a stabilising credit outlook for lenders, a cautious consumption outlook for retailers, and a competitive reshuffle in mortgage distribution where repricing beats refinancing.

The numbers behind the narrative

Roy Morgan’s latest analysis shows the share of mortgage holders deemed ‘at risk’ has fallen to its lowest point since early 2023, easing for the fourth straight month after more than two years of rate increases. The nuance: while the proportion is down, Roy Morgan also reports the number of Australians at risk has increased by over 500,000 as the population and mortgage holder cohort expanded.

This duality aligns with broader financial conditions. The Reserve Bank’s November 2024 Statement on Monetary Policy flagged a benign credit outlook, with non-financial corporate bond spreads near their lowest since early 2022 — a signal that markets are pricing limited deterioration in credit. Housing prices have risen steadily since early 2023, supporting equity buffers, while Jobs and Skills Australia noted the average mortgage rate on new loans rose into March 2024, implying new entrants still face higher servicing costs than pre-tightening.

Business impact: margins, arrears and wallet share

For banks, easing stress share should cap near-term arrears growth and contain credit impairment charges. However, the retention battle is compressing margins. Industry platform Sherlok indicated in April 2024 that repricing volumes are expected to outpace refinancing, reflecting a shift from churn to internal price competition. Expect net interest margin (NIM) pressure as incumbents selectively cut rates for at-risk or rate-sensitive cohorts to prevent runoff.

Brokers face a flatter refinance market and must pivot to annual ‘health checks’, repricing advocacy and product optimisation to defend trail commissions. Non-bank lenders, with higher funding costs and less deposit optionality, are most exposed to selective bank repricing that cherry-picks prime customers.

Retailers and utilities get limited relief. A smaller at-risk share cushions the worst-case demand shock, but the increased number of stressed households keeps discretionary spend subdued. The State of the Housing System 2025 highlights that rental stress affected more than half of lower-income renters in 2023 — a reminder that broader household cashflow pressures, not just mortgage dynamics, will temper consumption recovery.

Competitive advantage: precision retention and proactive hardship

Australia’s AI landscape still shows a commercialisation gap, with the National AI Centre and subsequent reports noting adoption-heavy, innovation-light patterns through 2024. That gap is opportunity. Early-mover lenders deploying AI-driven retention and risk triage can convert macro stability into market share and lower loss rates:

• Dynamic repricing engines: Micro-segment customers by elasticity (rate sensitivity), risk (probability of default/roll rates) and lifetime value to determine the minimum viable discount to retain — without over-cutting on price.
• Early hardship detection: Use transactional signals (missed utilities, BNPL exposures, wage variability) to trigger outreach and tailored restructures before 30+ day arrears. Responsible AI guardrails matter; the ATO’s work on AI governance underscores the need for transparent model usage and auditability in public institutions — a useful benchmark for financial services.
• Broker enablement: Provide brokers with instant repricing quotes, retention incentives and first-party analytics to pre-empt churn. Sherlok’s repricing trend suggests distribution advantage will accrue to lenders who treat brokers as co-managed retention partners, not just acquisition channels.

Market context: supply constraints limit the upside

Structural housing supply challenges remain a governor on broad-based relief. A late-2024 review of NSW housing supply found tougher economics for new builds and a decline in completions, while national data through 2024 showed higher new-loan rates, lifting entry barriers. With prices rising since early 2023, new borrowers face higher leverage and debt-servicing loads than incumbents who locked in earlier. This creates a two-speed household sector: improving resilience among established borrowers, and elevated vulnerability for recent entrants.

Policy still matters. APRA’s 3 percentage point serviceability buffer — retained through the tightening cycle — has bolstered lender portfolios against shocks. But supply-side reforms, rather than financial buffers alone, will determine the durability of mortgage stress relief if rates drift lower in 2025–26.

Technical deep dive: what the risk models are seeing

Credit teams should focus on the pipeline of stress, not just the stock. Key leading indicators:

• Roll rates: 1–29 days past due to 30–59 days. A downtrend confirms the share-of-stress moderation; any uptick is an early-warning flare.
• Loss-given-default (LGD): Rising dwelling prices and low distressed listings support lower LGDs; watch for segments with thin equity (recent FHBs).
• Serviceability headroom: Estimate borrower buffers versus prevailing rates; track fixed-to-variable reset cohorts and income growth offset.
• Funding costs: With corporate spreads near lows (RBA), wholesale funding is supportive, yet deposit competition remains intense. Repricing victories come at the cost of NIM unless offset by lower churn and better cross-sell.

Scenario planning: In a ‘soft-landing’ case with gradual RBA easing, arrears peak lower and retention-led margin compression becomes the dominant theme. In a ‘sticky inflation’ case, rates stay higher for longer, reigniting stress among thin-buffer cohorts and raising impairment risk for non-banks.

Execution reality: playbooks for 2025

• Lenders: Stand up a pricing lab combining risk, product and data science; target weekly sprints to test elasticity by segment. Tie hardship automation to human-in-the-loop reviews to meet conduct expectations. Align broker remuneration with retention outcomes.
• Brokers: Industrialise annual customer reviews, prioritising cohorts flagged by lenders for proactive repricing. Use consented data to evidence savings and reduce friction.
• Retail, utilities and telcos: Layer mortgage stress indices into customer propensity models. Offer phased payment plans for at-risk segments to preserve lifetime value at minimal cost.
• Policymakers: Keep the serviceability buffer under review as rates move; accelerate supply-side measures to prevent renewed stress among new entrants and renters.
• Investors: Watch 30–89 day arrears, internal repricing volumes vs external refinancing, and NIM guidance. Favour lenders with disciplined price discrimination and robust deposit franchises.

Bottom line: The share of stressed mortgage holders is easing, but the system remains numerically heavy with at-risk households. Early adopters of precision repricing and proactive hardship management will defend margin, keep customers, and exit this phase stronger than they entered.

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The share of Australian borrowers classified as ‘at risk’ has fallen to its lowest level since early 2023, according to Roy Morgan. Yet the absolute number of households under pressure has risen by more than half a million as the borrowing base has grown. For banks, brokers, retailers and policymakers, this is not a victory lap — it’s a repricing phase with hard choices on margins, retention and customer support. Here’s what the data signals and how to position for the next credit cycle.

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New Roy Morgan data shows the share of borrowers at risk has fallen to the lowest point since early 2023. That’s a welcome inflection after two years of rate rises—but the absolute number of at‑risk households is still higher, reflecting population growth and higher debt loads. For lenders, brokers, and consumer‑exposed sectors, the signal is clear: credit risk remains manageable, and the advantage will accrue to those who redeploy analytics and AI to refinance, retain, and responsibly grow share.

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Key implication: Australia’s mortgage stress is cooling on a percentage basis, pointing to stabilising household cash flows and a benign credit outlook into 2025. But volume matters: more households live on tighter budgets than in 2022. The firms that win this phase of the cycle will treat the relief as runway to upgrade risk analytics, precision pricing, and refinance operations—before competition compresses spreads.

What “easing stress” actually means for balance sheets

Roy Morgan’s latest read shows the proportion of borrowers classified as at risk has dropped to its lowest level since early 2023, marking a fourth consecutive monthly improvement. Yet the research also notes the count of Australians at risk has increased by more than half a million since rate hikes began, due to population growth and a larger mortgage pool. In other words, the rate of stress is falling, but the exposure base is bigger.

For CFOs, that distinction matters: expected loss (EL) models are sensitive to both probability of default (PD) and exposure at default (EAD). A modest improvement in PD, offset by a larger EAD, nets out to roughly flat EL. The Reserve Bank’s November 2024 Statement on Monetary Policy flagged a “benign credit outlook,” with non‑financial corporate spreads near their lows since early 2022—consistent with stabilising risk. But benign does not mean trivial: provisioning discipline and early‑intervention programs should remain intact.

Demand, deposits and default: where the relief shows up first

As variable rates plateau, the first operational impacts tend to be:

• Lower arrears tail risk: Major banks should see arrears normalise rather than spike. The RBA’s stability reviews have kept non‑performing housing loans near cycle lows through 2023–2024, aided by strong employment.
• Refinance churn remains elevated: Households will still shop for relief; broker channels hold the advantage in capturing switching volume. The Adviser’s reporting reflects ongoing competitive intensity in pricing for low‑risk refinancers.
• Consumer wallet re‑tilt: As serviceability stabilises, marginal spend shifts back to discretionary categories—benefiting large retailers and travel—but the lift will be uneven given rents and utilities remain sticky.

Capacity meets scarcity: supply constraints blunt the tailwind

Housing supply is the swing factor. Jobs and Skills Australia notes construction completions have fallen from early‑2023 peaks, and the average rate on new mortgages rose through March 2024, keeping entry affordability tight. The State of the Housing System 2025 highlights rental stress affecting over half of lower‑income renters in 2023 and approvals at multi‑decade lows in 2023–24—conditions that prevent a rapid easing in household budgets via lower rents or new stock.

For banks, fewer new dwellings means origination growth leans more on refinance and investor segments than first‑home buyers. For builders and developers, elevated input costs and capacity constraints cap volumes even if demand steadies. For policymakers, it underscores that credit relief alone won’t unlock supply; planning, labour availability and materials inflation remain binding constraints.

Rates and risk into 2025: a narrow but navigable runway

Market pricing implies a shallow easing cycle. With credit spreads already tight and arrears contained, system stability looks durable. Non‑bank housing credit contracted slightly in early 2023 after a period of expansion, indicating risk appetite has already recalibrated. The path forward:

• Base case: Flat‑to‑lower mortgage rates into late 2025, with PDs drifting down and loss‑given default (LGD) anchored by still‑firm house prices.
• Upside: If wage growth holds while inflation cools, households rebuild buffers, lifting retail and services volumes more decisively.
• Downside: A growth shock or employment wobble would quickly re‑tighten household cash flows; given the larger mortgage pool, small PD moves have amplified P&L effects.

Data and AI: converting macro relief into competitive advantage

The operational edge now lies in analytics. Australia’s public sector is setting governance guardrails—“This policy will ensure the Australian Government demonstrates leadership in embracing AI to benefit Australians,” said Lucy Poole in the August 2024 federal policy on responsible AI use. The Australian Taxation Office has published governance for general‑purpose AI systems, emphasising risk controls. Meanwhile, the 2025 review of Australia’s AI ecosystem notes a gap in commercialisation: adoption is ahead of home‑grown innovation.

For lenders and brokers, that gap is opportunity. Practical wins include:

• Early‑warning micro‑segmentation: Blend spending telemetry, savings buffers and repayment behaviour to flag pre‑delinquency cohorts. Trigger outbound offers to restructure terms before arrears emerge.
• Precision pricing engines: Use elasticities at the household segment level to calibrate retention discounts, protecting margin while cutting churn.
• Responsible automation: Apply explainable models for serviceability assessments and hardship triage, consistent with public‑sector‑style governance—model inventories, bias testing, human‑in‑the‑loop.

Execution should track three controls: model risk management, privacy by design, and outcome monitoring (arrears, churn, customer complaints). Given the ACCC’s ongoing focus on digital market power, transparent communications around algorithmic pricing will also be prudent.

Implementation reality: a lender’s 180‑day playbook

• Refi SWAT team: Stand up a cross‑functional squad (risk, pricing, broker distribution) with weekly win‑loss reviews; measure conversion cycle‑time and retention uplift as north‑star metrics.
• Customer buffer index: Build a rolling “buffer score” from transaction data to prioritise outreach to households with shrinking savings and rising essential outlays.
• Hardship modernisation: Deploy digital self‑service hardship pathways with dynamic options (payment holidays, term extensions) and real‑time credit impacts disclosed.
• Data partnerships: Where first‑party signals are thin, integrate alternative data sources under consent frameworks; ensure compliance with CDR principles and bank‑grade privacy standards.

For retailers and utilities, mirror the approach: target offers to segments whose mortgage outflows are stabilising, align payment plans where buffers are thin, and time campaigns to seasonal rate resets.

Industry transformation: brokers, banks and non‑banks in a new equilibrium

Brokers remain pivotal in the refinance cycle, advantaged by advisory proximity and digital capture of intent. Major banks benefit from balance‑sheet strength and cost of funds; challengers must differentiate on speed and service. Non‑banks, having trimmed risk appetite in 2023, can selectively re‑enter with transparent pricing and tighter verification to win niches (self‑employed, near‑prime) without compromising portfolio quality.

Across the system, the competitive frontier is shifting from headline rate to responsiveness: how quickly an institution can detect risk, make a fair offer, and close—at meaningful scale and with governance. That is a technology and operating‑model contest more than a funding contest.

Bottom line: use the respite

The easing of mortgage stress is not the end of the story; it’s a window. With arrears contained and spreads supportive, leadership teams should ring‑fence investment for risk analytics, refinance velocity, and responsible AI. The firms that institutionalise these capabilities before the next macro shock will convert a cyclical breather into durable market share.

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-10-27 21:09:22" ["slug"]=> string(82) "19110:mortgage-stress-is-easing-but-the-credit-cycles-next-winners-will-be-dataled" ["event"]=> object(stdClass)#9794 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

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New Roy Morgan data shows the share of borrowers at risk has fallen to the lowest point since early 2023. That’s a welcome inflection after two years of rate rises—but the absolute number of at‑risk households is still higher, reflecting population growth and higher debt loads. For lenders, brokers, and consumer‑exposed sectors, the signal is clear: credit risk remains manageable, and the advantage will accrue to those who redeploy analytics and AI to refinance, retain, and responsibly grow share.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(96) "/borrow-money/loans/mortgage-stress-is-easing-but-the-credit-cycles-next-winners-will-be-dataled" ["image"]=> string(115) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1761610107/pexels-karola-g-5900131_vq41yh.jpg" ["image_alt"]=> string(86) "Mortgage stress is easing — but the credit cycle’s next winners will be data‑led" } [5]=> object(stdClass)#9273 (57) { ["id"]=> int(18936) ["title"]=> string(81) "Beyond the mortgage: SME lending is where growth, margin and loyalty are shifting" ["alias"]=> string(79) "beyond-the-mortgage-sme-lending-is-where-growth-margin-and-loyalty-are-shifting" ["introtext"]=> string(469) "

SME credit is moving from branch desks to APIs, from collateral to cashflow, and from monoline lenders to embedded platforms. For banks, fintechs and brokers, this is not a side-bet—it’s where operating leverage and customer stickiness will be won over the next cycle. The opportunity is large (and growing), but the playbook is digital, data-driven and partnership-heavy. Here’s how to capture share without inheriting avoidable risk.

" ["fulltext"]=> string(8906) "

Key implication: The centre of gravity in business lending is shifting to fast, data-rich, embedded credit tailored to small and medium enterprises. In Australia, the SME lending pool sits in the $450–$631 billion range (circa 35% of total business lending), with a pre-2024 CAGR near 9%. Globally, McKinsey pegs the annual SME financing shortfall at roughly US$5.2 trillion. The prize is real; so are the execution risks.

Market context: A big pool with uneven access

SMEs comprise the bulk of employer firms and are disproportionately credit-constrained—especially newer, asset-light and service-based businesses. Australia mirrors global patterns: strong aggregate volumes, patchy access, and cyclical headwinds that delay capex even as working-capital needs rise. The funding gap persists because legacy scorecards struggle with thin-file borrowers, manual processes inflate cost-to-serve, and collateral-light lending carries higher perceived risk.

Two growth vectors are changing the math. First, digital adoption among SMEs (cloud accounting, e-invoicing, e-commerce, real-time payments) creates richer, more verifiable data. Second, the Consumer Data Right (open banking) is maturing, enabling consented access to bank transaction data. Blend these with modern decisioning and time-to-yes drops from weeks to hours; cost-to-serve falls; risk models improve.

Competitive dynamics: Banks, fintechs and platforms converge

Porter’s lens clarifies the scramble:

• Threat of substitutes: Non-bank fintechs offer 24–48 hour decisions and working capital facilities aligned to sales cycles—compelling alternatives to bank overdrafts.
• Bargaining power of buyers: SMEs now compare across brokers, fintechs and their existing platforms (payments, accounting, marketplaces). Speed, transparency and repayment flexibility outweigh headline rate for many short-duration needs.
• New entrants: Embedded finance is the wildcard. E-commerce, payments and SaaS platforms with privileged data pipes (think global examples like Shopify Capital and Amazon Lending) can price risk with transaction-level telemetry and disburse inside the workflow.
• Industry rivalry: Banks defend with balance sheet strength, lower funding costs and trust; fintechs counter with product agility and UX. Partnerships and white-label models are proliferating.

Result: Share migrates to whoever controls the data, the moment of need and the user experience. Brokers remain vital but must operate as orchestrators across multiple lenders and data rails.

Technical deep dive: From collateral to cashflow models

Modern SME underwriting fuses multiple consented feeds to solve the thin-file problem:

• Bank transactions (via open banking): cashflow volatility, seasonality, concentration risk.
• Accounting ledgers (Xero, MYOB, QuickBooks): receivables ageing, payroll cadence, tax liabilities.
• Commerce and payments (POS, gateways, marketplaces): sales velocity, refund rates, basket size, cohort performance.
• E-invoicing and e‑procurement: invoice authenticity, buyer quality, payment time.

Machine learning models exploit these signals to estimate probability of default, expected loss and prepayment, while rule engines enforce policy constraints (industry blacklists, AML/KYC flags, related-party checks). Mature lenders bake in fraud controls (synthetic identity detection, document forgery analysis) and model risk management (champion–challenger, backtesting, bias monitoring). Done well, this reduces manual touches by 30–50%, improves early‑stage conversion, and tightens loss distribution.

Case examples: What’s working—and why

OnDeck (Australia) built a strong niche by ingesting bank transaction data and accounting feeds to underwrite unsecured loans rapidly—competing on time-to-funds and transparency rather than branch presence.

Prospa scaled with ML-driven decisioning and a broker-first distribution engine, offering business loans and revolving lines aligned to SME cash cycles, with near-real-time drawdowns.

Judo Bank took a hybrid route: relationship bankers supported by modern platforms to speed complex SME deals—showing that technology augments, not replaces, human credit judgement for larger exposures.

Global benchmarks such as Shopify Capital, Amazon Lending and India’s NeoGrowth demonstrate the power of embedded models: native data, push-button offers inside existing workflows, dynamic repayments tied to sales. The common thread is privileged data plus instant distribution.

Broker strategy: From product placement to capital orchestration

For brokers diversifying beyond mortgages, SME credit is less about a single product and more about an ongoing working-capital relationship. A practical playbook:

• Segment and prioritise: Identify existing mortgage clients with ABNs; triage by industry volatility, seasonality and data readiness (cloud accounting adoption is a green flag).
• Curate a multi-lender panel: Combine bank overdrafts for rate-sensitive needs with fintech lines for speed/flexibility, plus asset finance for equipment-heavy clients.
• Lean on data: Introduce open banking and accounting-data consent as standard. Clients trade data for speed and optionality; brokers gain stronger files and higher first-time approval rates.
• Build recurring value: Lines of credit and embedded working-capital products create repeatable, annuity-like commissions, smoothing broker revenue across cycles.
• Compliance-by-design: Standardise AML/KYC, privacy and consent flows; document suitability and data provenance to satisfy lenders and regulators.

The economics can be compelling: higher margins than prime mortgages, faster sales cycles and stickier relationships—balanced against higher diligence and portfolio monitoring.

Execution reality: Risks, controls and operating model

This is not a free lunch. Three realities to manage:

• Credit cyclicality: SME defaults can spike faster than consumer. Build early-warning systems using live transaction and ledger data (missed BAS, supplier stretch, payroll anomalies).
• Fraud and first-party misuse: Deploy layered identity checks, document detection, device fingerprinting and post-funding monitoring (cash diversion flags).
• Legacy constraints: Banks wrestle with core integration and policy rigidity; fintechs face funding-cost volatility. Both should adopt API-first orchestration, separate policy from code, and stand up dedicated SME squads with credit, data science and risk ops under one roof.

Funding strategy matters. Banks leverage low-cost deposits; fintechs diversify through warehouse lines and ABS once scale and performance data allow. A disciplined path from balance-sheet lending to capital markets can reduce cost of funds by 100–200 bps over time if loss performance holds.

Regulation and data: The next unlocks

Open banking under Australia’s Consumer Data Right continues to expand, improving data quality and consent mechanics. Expect broader business-data availability and easier multi-institution connectivity, enabling richer underwriting and portability of credit profiles. Globally, regulators are encouraging competition and transparency while tightening on fraud, privacy and responsible lending—raising the bar for data governance and model risk management.

Outlook: Embedded, event-driven and AI-assisted

The next phase is event-driven finance: pre-approved limits surfaced when the SME runs payroll, issues invoices or hits a large order. Generative AI will accelerate broker and lender workflows—drafting credit memos, triaging cases, and explaining adverse decisions in plain language—while traditional ML continues to do the heavy lifting on risk. Winners will combine three assets: proprietary or privileged data access, instant distribution via trusted channels, and industrial-grade risk controls.

The takeaway for Australian players is pragmatic: chase speed without abandoning prudence, partner where platforms already own the relationship, and operationalise data consent as a feature—not an afterthought. The gap is large, the market is ready, and first movers are already compounding advantages.

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SME credit is moving from branch desks to APIs, from collateral to cashflow, and from monoline lenders to embedded platforms. For banks, fintechs and brokers, this is not a side-bet—it’s where operating leverage and customer stickiness will be won over the next cycle. The opportunity is large (and growing), but the playbook is digital, data-driven and partnership-heavy. Here’s how to capture share without inheriting avoidable risk.

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object(stdClass)#9462 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9832 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9461 (3) { ["data":protected]=> object(stdClass)#9459 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9460 (3) { ["data":protected]=> object(stdClass)#9488 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9820 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) 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int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9841 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9489 (3) { ["data":protected]=> object(stdClass)#9497 (1) { ["options"]=> object(stdClass)#9495 (2) { ["options0"]=> object(stdClass)#9494 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#9496 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9491 (3) { ["data":protected]=> object(stdClass)#9499 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9737 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9493 (3) { ["data":protected]=> object(stdClass)#9501 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9498 (3) { ["data":protected]=> object(stdClass)#9503 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9840 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#9500 (3) { ["data":protected]=> object(stdClass)#9505 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#9502 (3) { ["data":protected]=> object(stdClass)#9507 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(99) "/borrow-money/loans/beyond-the-mortgage-sme-lending-is-where-growth-margin-and-loyalty-are-shifting" ["image"]=> string(136) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1760378900/pexels-tatiana-castrillon-191861460-11805157_dgpac9.jpg" ["image_alt"]=> string(81) "Beyond the mortgage: SME lending is where growth, margin and loyalty are shifting" } }