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

The 2026 Federal Budget has arrived, and it brings with it some of the most significant tax and structural reforms Australia has seen in decades. While the headline news is heavily focused on residential housing, for those of us in the commercial lending and property space, the reality is more nuanced. For business owners, commercial property investors, and financiers, the “rules of the game” are shifting. Here is what you need to know about how these changes affect your portfolio, your business, and your future borrowing capacity. 1. Commercial Property: The “Hidden” Beneficiary? Perhaps the most notable takeaway is what… Read more

RBA Raises Rates to 4.35%: Impact on Commercial & Business Loans The Reserve Bank of Australia (RBA) has increased the official cash rate by 0.25% to 4.35%, marking its third hike in recent months. This decision underscores the Board’s concern that inflation, fueled by domestic capacity pressures and global energy shocks, is proving more persistent than expected. For business owners and commercial property investors, this move signals a period of higher debt-servicing costs and a likely tightening of credit assessments. Why the RBA Acted Now 1. Rebounding Inflationary Pressures After a period of cooling, inflation gained momentum in late 2025… Read more

RBA Raises Rates to 4.10%: What It Means for Commercial Borrowers The Reserve Bank of Australia (RBA) has increased the official cash rate by 0.25% to 4.10%, reflecting renewed concerns that inflation may remain above the target range for longer than expected. For business owners and commercial property investors, the rate rise could lead to higher borrowing costs and tighter lending conditions, particularly for variable-rate commercial loans. Why the RBA Increased Rates The decision was driven by several economic factors. Inflation Pressures Have Increased Although inflation had fallen significantly since its peak in 2022, it rose again during the second… Read more

The Reserve Bank of Australia (RBA) has been closely monitoring inflation, energy costs, and the labour market. Before its March 2026 meeting, economists and financial markets were predicting a 60–70% chance of a 0.25% rate increase. For Australian businesses with commercial loans, even a small interest rate hike can affect repayments, cash flow, and borrowing strategies. In this article, we break down what this means for commercial borrowers and the steps businesses can take to protect their finances. Why the RBA Might Raise Rates 1. Inflation Still Above Target The RBA’s target inflation band is 2–3%, yet recent underlying inflation… Read more

As of 3 February 2026, the Reserve Bank of Australia (RBA) has increased the official cash rate by 0.25% to 3.85%, as inflationary pressures picked up again in late 2025. Following the decision, many lenders have begun passing on rate increases, affecting commercial property loans, business finance, asset finance (car and equipment leasing), and fixed‑rate offerings. This update explains why rates increased, how commercial borrowers are affected, and what business owners can do to manage the impact. Why the RBA Increased Interest Rates (February 2026) The RBA lifted rates due to renewed inflationary pressure and stronger‑than‑expected economic activity. Key drivers… Read more

As 2026 unfolds, finance options for Australian businesses and investors are improving. Lenders are competing harder, approval pathways are becoming more flexible, and borrowers have more choice than in recent years. Whether you’re buying commercial property, growing a business, or financing vehicles and equipment, here’s what to expect in 2026 — explained in simple terms. Commercial Property Loan Outlook (2026) Commercial property lending remains strong, especially for quality assets in good locations. What’s trending in 2026: What this means for you: Bottom line: If the property stacks up financially, lenders are still keen to fund it. 👉 Considering a commercial… Read more

The Reserve Bank of Australia kept the cash rate steady at 3.60%, signalling a cautious approach as inflation shows signs of picking up again. While this decision is aimed at stabilising the broader economy, it also has important flow-on effects for commercial property borrowers, business owners, and asset finance customers. Commercial Property Finance Economic activity and private demand are strengthening, which is continuing to push up activity and prices in the property market. For commercial investors, this means: Investors looking at commercial assets—office, industrial, retail, or mixed-use—should expect lenders to remain cautious but generally supportive, with competitive options still available…. Read more

Australia’s latest inflation data has ticked higher, and this has major implications for borrowers. When inflation rises, the RBA typically responds by tightening monetary policy — which can mean higher interest rates or delaying any expected rate cuts. For homeowners and business owners with loans, this can translate into increased mortgage repayments and higher borrowing costs. But the good news? There are real savings opportunities available right now, especially for those paying above the current competitive rates. 📈 Why Inflation Impacts Interest Rates Inflation measures how quickly prices for goods and services are rising. When it increases: This flow-through effect… Read more

Commercial Lending Update – 19 November 2025 Commercial Property, Business Finance & Asset Finance Trends** The commercial lending landscape in Australia continues to shift heading into the final weeks of 2025. With businesses planning for 2026, lenders have tightened in some sectors while expanding product flexibility in others. Below is your concise update on commercial property finance, business loans, and asset finance, including equipment, machinery, vehicles, and leasing options. 1. Commercial Property Lending Market – November 2025 Update Interest Rate Environment Loan-to-Value Ratios (LVRs) Notable Lending Shifts 2. Business Finance – What’s Changing in Late 2025 Unsecured Business Loans Cash… Read more