$8.2M
Resources
What we publish,
and what we know.
Perspectives, case studies, capabilities and the current rate card.
Perspectives
A monthly briefing sharing market insights, lending strategies and real client outcomes for high-net-worth individuals and families.
- Perspectives, July 2026
Proposed SMSF reform, a cooling market and banks divided on rates
Superannuation is close to no longer being a leverage tool. From 1 July 2027 new residential borrowing inside an SMSF would be prohibited, and it is the contract exchanged before 10 August 2026 that decides which side of the line a purchase lands on. Inside: why the four majors disagree about where rates settle next, and how a senior executive of an ASX-listed company borrowed $4m against shares he never sold.
- Perspectives, July 2026 · Adviser edition
SMSF residential borrowing may end in 2027: advising clients now
The adviser edition of the same month. The structural change is identical, no new residential borrowing inside super from 1 July 2027 and contracts exchanged before 10 August 2026, but the question it puts to an adviser is different: what happens to servicing when the wealth is in vested shares and future vesting schedules rather than in the payslip. One $4m facility, answered.
- Perspectives, June 2026
Budget reforms not yet law, but lender servicing has already changed
The Budget measures are still proposals. The lenders have already moved. For established investment properties purchased after 12 May 2026, most have taken negative gearing out of the servicing calculation altogether, while new builds keep it. Inside: the six policy positions now visible across the panel, and how ten properties across twelve facilities became one structure with $2m released.
- Perspectives, May 2026
Inflation at 4.6% and a 25bp rise priced for the May RBA meeting
Fixed rates move before the RBA does. Swap rates reprice first and lenders do not wait for a decision to confirm what they have already priced, which is why a fixed rate can rise in a month the cash rate does not. Inside: why a rate lock is insurance rather than a bet, and the end-of-year position that changed on 1 July 2025 when interest on ATO debt stopped being deductible.
- Perspectives, April 2026
A split hike to 4.10%, a fuel surge and what both mean for advisers
A five to four board decision took the cash rate to 4.10%, and the market’s odds on that hike had run from 0% to 57% in the weeks it took diesel to rise about 70%. Inside: why a price households check every week matters more than its 3.5% share of the inflation basket, and how a couple in their late sixties bought their own practice premises inside super on a thirty-year term.
Case Studies
Recent engagements, the constraint in each, and how the facility was structured around it. Each one is on the site in full.
Capabilities
How we structure lending, and what working with us looks like.
Net liquid assets, not a payslip. Where each lender on the panel actually sits on high net worth lending, and the policy positions that decide whether a facility is possible before anyone fills in a form: reliance on a liquid asset base to meet servicing, future vesting stock counted as income for tech executives, leverage on cryptocurrency and share holdings, ten-year interest-only terms with a defined exit, the sale of a business or assets as the alternate exit, and higher debt on prestige property.
An introduction should not cost you the relationship. What happens after you introduce a client, step by step: strategy agreed with you before the client is in the room, an internal workshop against the client's full position, the first joint meeting already prepared for, a Curated Lending Proposal cross-checked with you and presented together, lodgement through credit managed end to end and held to the date the strategy depends on, then re-pricing, valuations and refreshed proposals after settlement.
Rate Card
Indicative pricing across the lender panel. Only the current card is ever published.
A July 2026 snapshot of indicative pricing from lenders on our panel, effective 8 July 2026: owner-occupied and investment lending, principal and interest and interest-only, residential and commercial, in one card. Rates, terms and availability can change without notice and will depend on lender approval and your circumstances.
White Papers
Longer pieces on structuring, leverage and lender policy.
The first of these will be published here shortly.
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