Don’t Let Your Leads Leak: Mastering the Pipeline with a Funnel Analogy
Where home loan deals leak out of the pipeline, from enquiry to settlement, and the coaching habits that keep clients on track at each stage.
Where Lending Teams Find Business When the Market Slows
When the market slows, a lending team’s business doesn’t disappear. It moves: to your existing client book, your referral partners, and the refinance conversations already in front of you.
Managing Teams Through Economic Uncertainty
What helps a lending team through rate uncertainty isn’t reassurance. It’s giving lenders something concrete to say to anxious clients, and being straight about what you don’t know.
RBA Lifts the Cash Rate to 4.6%: What I’m Actually Telling Clients and My Team Tonight
The RBA lifted the cash rate to 4.60% on 29 September, its fourth rise of 2026 and the highest since 2011. Here’s what it changes for existing and new borrowers, and how I’m coaching my team through tonight’s client calls.
Coaching a Lending Team Through a Rate-Rise Slump
Rate rises don’t just change repayments — they change how a lending team’s whole pipeline behaves. After 30 years coaching lenders through these cycles, here’s what actually needs to shift, and what doesn’t.
The Real Reason: The HECS Debt That Quietly Shrank a Borrowing Power
A composite scenario illustrating how a HECS or HELP compulsory repayment quietly reduces home loan borrowing power, even on a modest remaining balance.
Griffith and the MIA: Why Irrigated Farming Isn’t Standard Riverina Lending
Griffith and the Murrumbidgee Irrigation Area run on irrigated horticulture and viticulture, not broadacre farming — and that difference changes how water allocations, perennial crops, and local income should actually be presented to a lender.
Offset Account vs Extra Repayments: Which Actually Saves You More
Both reduce the interest you pay. Only one keeps your money accessible. Here’s the actual difference, and how to work out which fits your situation.
The Real Reason: Why a Gifted Deposit Needed More Than a Bank Statement
A composite scenario illustrating why a gifted deposit needs proper documentation to be accepted, and why a generous family gift alone isn’t always enough.
What Canberra’s Public Servants Need to Know About Home Loan Serviceability
Canberra’s economy runs on APS employment — and that changes how lenders actually assess a borrower here compared to almost anywhere else in the country. Here’s what that means in practice.