Fletcher Rowe | May 30 2019 Last week, the Australian Prudential Regulation Authority (APRA) announced a change to the serviceability buffers that all deposit-taking institutions are required to abide by when assessing a borrower’s ability to repay a home loan. The buffer, in place since 2014, is designed to ensure borrowers are able to continue
Fletcher Rowe | November 13 2018 Historically, businesses investing in productive equipment has long been an indicator of business confidence. Increased investment in this manner can provide an insight into the overall health of an economy. Less understood are the varying different types of asset finance, and how different types of finance work best for
Fletcher Rowe | November 2 2017 One thing thing that most mortgagees will attest to is harbouring a small, albeit impassioned, feeling of bitterness towards their bank. We know that a mortgage is part and parcel in keeping a roof over our heads, but at the same time, we’d jump at the opportunity to keep
Fletcher Rowe | September 18 2017 At the end of the day, the only thing banks think about when handing out money is minimising the risk to them in doing so. Banks have a list of preferred borrowers and occupations, and there is no prize for guessing that Doctors are atop that list. Generally revered
Fletcher Rowe | August 21 2017 The past 12 months of mortgage lending policy have really shook up the industry. Taking out a new home loan presents unique and ever-changing challenges compared to what once was almost a “revolving door” lending policy. These policy changes were well-intentioned, posited to be steadying erratic and unsustainable housing