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Australia’s rental market is so tight that housing costs are now a primary transmission channel for inflation and interest rates. This isn’t just a property story; it’s a business risk story—affecting wages, productivity, consumer demand, and capital costs. With vacancy rates near historic lows and waitlists for public housing stretched, supply won’t fix this overnight. Early movers can protect margins and unlock new revenue by treating housing as a strategic variable, not a background condition.

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• Yes

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Australia’s rental market is so tight that housing costs are now a primary transmission channel for inflation and interest rates. This isn’t just a property story; it’s a business risk story—affecting wages, productivity, consumer demand, and capital costs. With vacancy rates near historic lows and waitlists for public housing stretched, supply won’t fix this overnight. Early movers can protect margins and unlock new revenue by treating housing as a strategic variable, not a background condition.

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Australia’s rental market is so tight that housing costs are now a primary transmission channel for inflation and interest rates. This isn’t just a property story; it’s a business risk story—affecting wages, productivity, consumer demand, and capital costs. With vacancy rates near historic lows and waitlists for public housing stretched, supply won’t fix this overnight. Early movers can protect margins and unlock new revenue by treating housing as a strategic variable, not a background condition.

" ["publish_date"]=> string(19) "2025-10-29 22:00:08" ["image"]=> string(115) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1762156733/pexels-karola-g-4498141_c3glbs.jpg" ["image_alt"]=> string(100) "Rents are rewriting the inflation playbook: what record‑low vacancies mean for Australian business" } [1]=> object(stdClass)#912 (38) { ["type_alias"]=> string(19) "com_content.article" ["content_item_id"]=> int(19149) ["core_content_id"]=> int(5722) ["match_count"]=> int(1) ["tag_date"]=> string(19) "2025-11-03 07:43:35" ["core_title"]=> string(66) "Mortgage broking 2030: from rate-hunting to AI-orchestrated advice" ["core_params"]=> object(Joomla\Registry\Registry)#1816 (3) { ["data":protected]=> object(stdClass)#1881 (28) { ["article_layout"]=> string(0) "" ["show_title"]=> string(0) "" ["link_titles"]=> string(0) "" ["show_tags"]=> string(0) "" ["show_intro"]=> string(0) "" ["info_block_position"]=> string(0) "" ["info_block_show_title"]=> string(0) "" ["show_category"]=> string(0) "" ["link_category"]=> string(0) "" ["show_parent_category"]=> string(0) "" ["link_parent_category"]=> string(0) "" ["show_author"]=> string(0) "" ["link_author"]=> string(0) "" ["show_create_date"]=> string(0) "" ["show_modify_date"]=> string(0) "" ["show_publish_date"]=> string(0) "" ["show_item_navigation"]=> string(0) "" ["show_hits"]=> string(0) "" ["show_noauth"]=> string(0) "" ["urls_position"]=> string(0) "" ["alternative_readmore"]=> string(0) "" ["article_page_title"]=> string(0) "" ["show_publishing_options"]=> string(0) "" ["show_article_options"]=> string(0) "" ["show_urls_images_backend"]=> string(0) "" ["show_urls_images_frontend"]=> string(0) "" ["readingDiff"]=> string(1) "3" ["comments"]=> string(1) "1" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["core_alias"]=> string(65) "mortgage-broking-2030-from-rate-hunting-to-ai-orchestrated-advice" ["core_body"]=> string(540) "

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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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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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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A four-year high in unemployment has put the Reserve Bank of Australia back in play, with major sell-side houses flagging a live risk of a November rate cut. For CFOs and boards, this is more than a headline: it’s a window to reset debt structures, re-sequence capex and reprice risk. With GDP up 0.6% q/q and 1.8% y/y through June (ABS), Australia’s growth pulse is stabilising even as the labour market softens—exactly the configuration the RBA has been guiding toward. The decision will ripple through wages, FX and asset prices; early movers can bank a competitive cost-of-capital edge.

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A four-year high in unemployment has put the Reserve Bank of Australia back in play, with major sell-side houses flagging a live risk of a November rate cut. For CFOs and boards, this is more than a headline: it’s a window to reset debt structures, re-sequence capex and reprice risk. With GDP up 0.6% q/q and 1.8% y/y through June (ABS), Australia’s growth pulse is stabilising even as the labour market softens—exactly the configuration the RBA has been guiding toward. The decision will ripple through wages, FX and asset prices; early movers can bank a competitive cost-of-capital edge.

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A four-year high in unemployment has put the Reserve Bank of Australia back in play, with major sell-side houses flagging a live risk of a November rate cut. For CFOs and boards, this is more than a headline: it’s a window to reset debt structures, re-sequence capex and reprice risk. With GDP up 0.6% q/q and 1.8% y/y through June (ABS), Australia’s growth pulse is stabilising even as the labour market softens—exactly the configuration the RBA has been guiding toward. The decision will ripple through wages, FX and asset prices; early movers can bank a competitive cost-of-capital edge.

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With public listings tight and sales still climbing, Australia’s investors are shifting to off-market channels that reward speed, networks and data advantage. The playbook is closer to private equity than weekend auctions: proprietary sourcing, disciplined due diligence and relationship-led execution. Early movers are building repeatable pipelines and algorithmic prospecting while the rest of the market refreshes listings on Google. The result is a quiet reshuffle of bargaining power — and a new template for property ROI.

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With public listings tight and sales still climbing, Australia’s investors are shifting to off-market channels that reward speed, networks and data advantage. The playbook is closer to private equity than weekend auctions: proprietary sourcing, disciplined due diligence and relationship-led execution. Early movers are building repeatable pipelines and algorithmic prospecting while the rest of the market refreshes listings on Google. The result is a quiet reshuffle of bargaining power — and a new template for property ROI.

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With public listings tight and sales still climbing, Australia’s investors are shifting to off-market channels that reward speed, networks and data advantage. The playbook is closer to private equity than weekend auctions: proprietary sourcing, disciplined due diligence and relationship-led execution. Early movers are building repeatable pipelines and algorithmic prospecting while the rest of the market refreshes listings on Google. The result is a quiet reshuffle of bargaining power — and a new template for property ROI.

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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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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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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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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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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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