Month: July 2026

A major shift in Australia’s superannuation rules takes effect on 10 August 2026 — and for commercial property investors and business owners, it creates a genuine opportunity. From that date, Self-Managed Superannuation Funds can only borrow to purchase property that qualifies as Business Real Property (BRP) under Section 66 of the Superannuation Industry (Supervision) Act. Residential property borrowing inside an SMSF is banned. Commercial property borrowing is not only permitted — it is now the exclusive gateway for all SMSF property lending in Australia. If you own a business, invest in commercial property, or have an SMSF with growth ambitions,… Read more

Are You Trapped in an Old Loan? Refinancing Opportunities in Australia Right Now If you took out a home loan or commercial property loan more than two or three years ago and have not reviewed it since, there is a real chance you are overpaying every single month — and you may not even know it. The lending market in Australia has shifted significantly. Lenders are competing hard for business. Products have changed. And the gap between what loyal, existing customers pay and what a new borrower can get today is often substantial. Here is how to spot if you… Read more

RBA August 11 Decision Preview: What Commercial Borrowers Need to Know The most closely watched date on the Australian finance calendar right now is Tuesday, 11 August 2026. That is when the Reserve Bank of Australia announces its next cash rate decision — and the stakes for commercial borrowers are real. The cash rate currently sits at 4.35%, the highest level since January 2025, after three consecutive rate hikes earlier in 2026. Governor Michele Bullock held at the June meeting, but made clear that further tightening has not been ruled out. Now, with the June quarter CPI data due to… Read more

As we move into the second half of 2026, Australia’s commercial property market is not moving as one. It is splitting — sharply — along lines of sector, quality, and location. For investors, business owners, and anyone with a commercial loan or planning to take one out, understanding that split is the difference between a well-timed decision and a costly one. Here is what the data says about the commercial property market in July 2026, sector by sector, and what it means for your finance. Show Image The Big Picture: Divergence Defines 2026 According to KPMG’s June 2026 Commercial Property… Read more

Commercial Property Market Update: What $19 Billion in H1 2026 Means for Australian Borrowers The numbers are in — and they tell a story worth paying attention to if you are buying, holding, or financing commercial property in Australia right now. Australian commercial property transactions hit $19 billion in the first half of 2026, according to CBRE’s latest Capital Flows Report. That is a 16 per cent jump on the same period last year — and it happened despite rising interest rates, persistent inflation, and global uncertainty. For borrowers and investors, the data reveals which sectors are moving, who is… Read more

Commercial Property Loan Savings: How to Pay Less in Australia There are two moments when you can make real commercial property loan savings in Australia — before you borrow, and once you already have a loan. Most borrowers focus only on the first. The second is where much of the money is left on the table. Even a small reduction in your interest rate or a smarter loan structure can save you tens of thousands of dollars over the life of the loan. This guide covers both stages so you can act at either point. Part One: Commercial Property Loan… Read more

Builder Collapses and Your Commercial Loan: What Australia’s Insolvency Crisis Means for Property Finance Australia’s construction sector has been the single largest source of corporate insolvencies for three consecutive years. Construction accounts for approximately 1 in 4 external administrations nationally — and the pressures driving those collapses have not gone away. For anyone involved in property development finance, construction lending, or buying commercial property that depends on a builder to complete — this matters directly. What Is Driving the Collapse Wave The construction crisis did not come from one problem. It came from several hitting at once. Fixed-price contracts signed… Read more

New AML Laws Are Now Live: What Commercial Property Buyers and Investors Must Know Something big changed on 1 July 2026. New anti-money laundering laws now cover every Australian commercial property deal — and many buyers and investors are only just finding out. Australia’s Tranche 2 AML/CTF reforms started on 1 July 2026. For the first time, real estate agents, buyer’s agents, conveyancers, lawyers, accountants, and property developers must follow anti-money laundering rules. This is the biggest compliance change to hit Australian property in decades. If you are buying, selling, or financing commercial property, it affects you now. What Is… Read more

RBA Holds Cash Rate at 4.35% — What It Means for Your Home and Business Loan The Reserve Bank of Australia (RBA) held the official cash rate at 4.35% at its June 2026 board meeting, pausing after three consecutive rate hikes earlier in the year. While borrowers will welcome the reprieve, RBA Governor Michele Bullock was clear: the door to further tightening remains open. The next board meeting and rate decision is scheduled for 11 August 2026. Here is what the current rate environment means for residential and commercial borrowers right now. Why the RBA Paused The RBA’s primary job… Read more

How the 2026–27 Australian Federal Budget Affects Commercial Loans, Negative Gearing and Capital Gains Tax The 2026–27 Federal Budget has delivered the most significant tax reform in over 25 years. For anyone with a commercial loan — or considering one — the changes to negative gearing, capital gains tax (CGT), and business investment rules have created a genuinely different investment landscape. The good news for commercial property investors is that several of the headline changes are more favourable to commercial assets than the media coverage suggests. This blog breaks down exactly what changed, what stayed the same, and how the… Read more