The business landscape is ever-changing, and as professionals, we occasionally find ourselves navigating through a slowing market. While it may present challenges, it also offers opportunities for those who are agile and proactive. Today, I’d like to share some valuable tips on how to find sales and maintain momentum even when the market is slowing down.
Economic shifts test leadership. Smart managers build resilience by fostering clear communication, maintaining team morale, and adapting strategies proactively.
The RBA just raised the cash rate to 4.6%, a 15-year high — here’s what it actually changes for borrowers and how I’m coaching my team through tonight’s client calls.
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.
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 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.
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.
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.
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.
Canberra and the Illawarra both get called “commuter-adjacent regional markets,” but they’re built on almost opposite structures — one concentrated around a single employer type, the other diversified but inconsistently assessed by postcode.