Meet Em – Loan Admin Trainer

Em brings resilience, growth and a strong team mindset to his role as Loan Admin Trainer at Peasy. His journey to the business began during the early days of the pandemic. He was working for a BPO company in Manila supporting Australian clients when nationwide lockdowns were introduced.

Saving your first serious deposit – say $200,000 – is a massive achievement.
Years of discipline. Sacrifices. Delayed gratification.
So when you’re finally ready to buy an investment property, it feels like the obvious move to use that cash as your deposit.
But in many cases, that “common sense” decision can quietly cost you a

Over the past few months, more lenders have started tightening up how they assess company and trust home loan applications.
This matters because for years, some investors have used these structures not just for tax or asset protection reasons – but to stretch borrowing capacity.
The risk with doing it purely for “capacity” is that:

If you’re feeling a bit confused about where interest rates are heading right now – you’re not alone.
Normally, we only do these updates around Reserve Bank meetings… but we’ve seen a spike in mixed headlines lately. Some economists are warning about potential rate rises, while others are saying the next move will still be

At the recent AFG Next National Conference, I was part of a panel discussing the future of mortgage broking, specifically, how brokers can continue to add genuine value in a fast-changing market. The discussion brought together leaders from across the industry, and while opinions varied, there was a clear consensus: the brokers who thrive in

You may have seen some recent commentary about APRA tightening its focus on something called the Debt-to-Income ratio, or DTI.
A couple of clients have asked whether this changes everything.
Short answer?
👉 Not really.
👉 But it’s worth understanding.
First — What Is DTI?
Your Debt-to-Income ratio (DTI) is simply:
Your total debt divided

With the latest rate increase now in, I wanted to run another updated comparison between current variable rates and what’s available on fixed terms — and how lender forecasts might impact the decision over 1–5 years.
As always, this isn’t about predicting the future perfectly (because almost no one does). It’s about weighing up:

Can you buy an investment property without dipping into your own pocket?
A lot of people assume investing means you need two things:

a big cash deposit, and
extra spare cash each month to cover the shortfall between rent and mortgage.

But in some situations, it’s possible to structure things so you may

Meet Vera – Relationship Manager
Vera brings a wealth of experience and calm leadership to her role as Relationship Manager at Peasy. Before joining the team, she spent 17 years at Westpac, largely working in home loans. After stepping away from the workforce for 10 years to raise her children and help in her