Direct Credit Home Loans Australia

15/02/2026

Cash flow and record keeping are back in focus for small business owners, with the Australian Taxation Office (ATO) reaffirming its attention on how cash income and payments are reported. The ATO has made it clear it is using data and analytics to identify businesses that fall short of their reporting and employment obligations, particularly where cash transactions are involved.

For most business owners, this is less about wrongdoing and more about getting the basics right. Accurate records, reporting all income and paying staff correctly are essential, not just for compliance but for the long-term health of the business. Falling behind on GST, PAYG, super or insurance can quickly create issues that are costly to unwind later.

There are also practical flow-on effects. Inconsistent reporting or gaps in financial records can limit options when applying for finance, refinancing property or planning growth. Clean, well-documented financials make it easier to demonstrate income, manage tax obligations and avoid surprises if the ATO asks questions.

Staying on top of reporting requirements helps protect your business, your staff and your future plans.



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If ATO tax debt is weighing on your business, property refinancing may provide a way to regain control. Direct Credit Home Loans specialises in refinancing residential or commercial property to consolidate tax and business debt, offering flexible lending, alt doc options and decisions made by real people, not credit scoring models. Contact us on (07) 3726 1124 or email [email protected] to get started.

12/02/2026

Property buyers hoping for a flood of new choices at the start of 2026 may need to reset expectations. While more properties came onto the market in January, overall supply remains tight, and that has clear implications for competition and pricing.

SQM Research shows total national listings rose 3.1% in January as the market reopened after the holidays. However, listings are still 11% lower than a year ago, meaning buyers are competing for a smaller pool of homes than they were this time last year. That imbalance continues to support prices in most capital cities.

There are some early signs of buyers becoming more selective. Older listings increased nationally, particularly in Melbourne and Adelaide, suggesting properties that are overpriced or poorly presented are taking longer to sell. At the same time, distressed listings are down 31% year on year, indicating there is little forced selling to ease pressure on supply.

This points to a market where preparation matters. Choice is improving slightly, but well-priced homes are still moving quickly. Having finance organised and the ability to act decisively remains critical in a market that is undersupplied overall.



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If you’re buying in a market with limited stock, being ready to move can be just as important as price. Direct Credit Home Loans provides fast assessments, flexible lending and personalised support to help buyers act when the right opportunity appears. Contact us on (07) 3726 1124 or email [email protected] to get started.

10/02/2026

Australian home prices are projected to move higher over the next two years, with modelling suggesting every major capital city could have median prices above $1 million by the start of 2028.

According to the latest KPMG forecast, national home values are expected to rise an average of 7.7% in 2026, with similar growth projected in 2027.

PropTrack analysis of the KPMG data shows what that means in dollar terms.

In Sydney, where the median house price is $1.62 million, forecast growth of 5.8% in 2026 and 5.7% in 2027 would lift values by around $192,000 to $1.81 million. Brisbane is forecast to see even stronger gains, with prices tipped to rise nearly $240,000 over two years, pushing the median close to $1.4 million.

As price benchmarks move higher, securing borrowing capacity early becomes increasingly important. Borrowing structures that reflect real income and cash flow matter more as entry prices continue to rise.



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If you’re self-employed and looking to benefit from future capital growth, securing the right finance early matters. Direct Credit Home Loans offers fast assessments and flexible lending when mainstream banks say no. Contact us on (07) 3726 1124 or email [email protected] to get started.

08/02/2026

Monthly mortgage repayments are rising following the Reserve Bank of Australia’s 25 basis point cash rate increase, with the impact being felt across every capital city.

PropTrack modelling shows Sydney borrowers face the largest change, with average repayments estimated to rise by $156 a month if mortgage rates increase from 5.5% to 5.75%. Brisbane, Perth, Adelaide and Melbourne borrowers are also expected to see monthly increases of more than $100.

As rates climb, many borrowers are reassessing their loan structure and borrowing capacity. How income is assessed and how quickly a lender can respond can make a meaningful difference, particularly for self-employed borrowers or those with non-standard income.

Here at Direct Credit Home Loans, we work with both self-employed and salaried borrowers, including those with more complex income structures. Each application is assessed on its individual financial circumstances, rather than through rigid bank formulas.



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If rising repayments have you reviewing your loan or considering refinancing, a flexible assessment can help. Direct Credit Home Loans offers fast decisions, personalised service and options when mainstream banks say no. Contact us on (07) 3726 1124 or email [email protected] to get started.

05/02/2026

If you’re self-employed or a PAYG buyer considering residential property through an SMSF, the rental market is entering a new phase that matters for long-term landlords.

According to Domain’s December Quarter Rent Report, Australia’s rental market is shifting into a more sustainable phase after several years of rapid growth. While rent increases have moderated in some cities following extended run-ups, rents remain at record highs across most capitals.

Importantly for landlords, vacancy rates are still extremely tight, keeping demand firmly in favour of property owners. All capital cities continue to record vacancy rates below 1.7%, meaning there are far more renters than available homes. In markets such as Brisbane, rents are still rising, while elsewhere conditions are stabilising rather than reversing.

That supply imbalance continues to support rental income, even as affordability pressures limit how quickly rents can climb. Units are also gaining traction in several capitals as
tenants seek more affordable options, helping support occupancy and cash flow.

This environment highlights the value of steady income, low vacancy risk and careful asset selection for SMSF investors, rather than relying solely on rapid rent escalation.



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If you are considering an SMSF property purchase and want to understand how finance structure and cash flow could work, Direct Credit Home Loans can help. We assess applications beyond standard bank settings and focus on practical, workable solutions. Contact us on (07) 3726 1124 or email [email protected] to discuss your scenario.

03/02/2026

If you’re self-employed and considering commercial property investing, recent transaction data suggests confidence is returning faster than many expected. According to Ray White Commercial, transaction volumes across Australia’s commercial property market rose 27% in 2025, alongside a sharp lift in average deal sizes, pointing to renewed conviction rather than short-term opportunistic buying.

Ray White Commercial head of research Vanessa Rader said the data showed a clear shift in how capital is being deployed, with investors willing to pay higher entry prices for quality assets as institutional capital returns and private buyers focus on long-term fundamentals.

“The most significant indicator is the increase in average transaction size, which climbed to $9.49 million in 2025…This rise exceeds inflation and indicates genuine capital value appreciation rather than just higher turnover.”

This shift matters for self-employed investors and SMSFs. Higher entry prices and more selective lending mean finance structure, cash flow and flexibility are now central to whether a commercial deal stacks up.

Direct Credit Home Loans supports commercial buyers with flexible lending criteria, fast assessment times and personalised service, helping experienced investors move when traditional lenders hesitate.



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If you are considering a commercial purchase or SMSF strategy and want to understand your real borrowing options, Direct Credit Home Loans can help. We assess applications beyond standard bank boxes, with flexible structures and quick turnaround times. Contact us on (07) 3726 1124 or email [email protected] to discuss your scenario.

01/02/2026

If you’ve been putting off buying a home or investment property because your credit report isn’t perfect, the past few years of price growth may have felt like one long missed opportunity. But the market is not slowing down to wait.

According to Domain, Australian home prices closed out 2025 with strong momentum, marking 12 consecutive quarters of national growth. Several capitals hit new records, with Melbourne returning to a new peak, Perth joining the million-dollar club for the first time, and unit prices accelerating in Sydney, Melbourne and Brisbane as buyers chase relative value.

Even in markets where growth has moderated, prices are still moving higher, supported by tight supply, a resilient labour market and improved borrowing capacity following interest rate cuts.

For credit-impaired buyers, this matters. Waiting for a ‘perfect’ credit profile can mean missing both homeownership and ongoing capital growth. Many borrowers assume a past issue rules them out entirely, when in reality there are lending options that assess applications differently to mainstream banks.



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If you want to explore whether buying is possible sooner than you think, Direct Credit Home Loans can help. We offer flexible criteria, quick decisions and an experienced team that looks at your full situation, not just your credit history. Contact us on (07) 3726 1124 or email [email protected] to discuss your options.

29/01/2026

Australia’s office market regained momentum heading into 2026, with improving leasing conditions and tight supply drawing investors back after several muted years.

CBRE data shows national CBD office transactions hit $2.1 billion in the September quarter – up 42% from the previous quarter – marking a clear uptick in activity.

The recovery was led by premium assets and is spreading beyond Sydney’s core CBD. National prime CBD effective rents rose 4.8% over the year to Q3 2025 and have now moved above pre-pandemic levels, supported by constrained supply and minimal new development.

Analysts told realcommercial.com.au that Sydney, Brisbane and Adelaide were key markets for rental growth, while Canberra, Perth and suburban Sydney were attracting yield-focused buyers.

With fundamentals stabilising, opportunities are broadening for business owners and SMSF investors looking beyond traditional CBD cores.



If you’re looking to purchase a commercial property or office space, including through an SMSF, Direct Credit Home Loans can help assess finance options suited to income-producing assets and more complex structures. Contact us on (07) 3726 1124 or email [email protected] to get started.

27/01/2026

Rents have climbed to a new national record, underscoring the growing cost of staying in the rental market.

PropTrack’s December quarter data shows the median rent has reached $650 a week – up 4.8% over the year, adding around $1,560 to annual housing costs for the average renter.

Compared to five years ago, national rents are nearly $12,000 higher.

Sydney remains the priciest capital at $760 a week, while Melbourne and Hobart sit closer to $575. Melbourne was the only city to post an annual fall in house rents, down 0.9%, although unit rents still rose 4.5%. The contrast highlights how affordability pressure is shifting by property type, rather than easing across the board.

While rent growth is expected to slow in 2026, low vacancy rates and continued population growth are keeping demand elevated. For many households, the rising cost of renting is sharpening the case for home ownership – or at least prompting a closer look.



If rising rents are prompting you to think about buying, Direct Credit Home Loans can help you explore finance options that support both salaried and self-employed income. Contact us on (07) 3726 1124 or email [email protected] to get started.

25/01/2026

Business stress is re-emerging as a key concern heading into 2026, with new Alares data showing insolvencies rose in December after a brief lull in November. The increase reverses the first year-on-year decline recorded earlier in 2025, signalling ongoing pressure across the SME sector.

One of the main drivers is a sharp uptick in enforcement activity from the Australian Taxation Office (ATO). The number of businesses disclosed for unpaid tax debt has climbed from around 30,000 for most of the year to over 32,000 in December. ATO-led court actions and winding-up applications also remain well above historical norms, with no signs of slowing.

While small business restructuring appointments are still well below their late-2024 peak, this appears to reflect tougher ATO scrutiny rather than a genuine easing in financial stress.

The data underscores how quickly tax debt and cash flow issues can spiral if not addressed early.



If ATO pressure or tax arrears are affecting your business, Direct Credit Home Loans can help explore refinance options designed to stabilise cash flow and address tax debt before enforcement escalates. Contact us on (07) 3726 1124 or email [email protected] to get started.

22/01/2026

Pre-approval is often seen as a routine early step in the buying process – but in a fast-moving market, it can make a real difference.

A genuine pre-approval confirms how much a lender is willing to offer based on your current financials, helping you avoid surprises down the track. Just as importantly, it shows agents and sellers that you're serious and ready to act – which can strengthen your position when it comes to negotiating.

The challenge is that not all lenders take the same approach. Some apply very strict criteria, which can make it harder for self-employed buyers or anyone with more complex finances to get a clear answer upfront.

At Direct Credit Home Loans, we offer a more flexible alternative. Our assessments are designed to reflect your real borrowing position – so when the right property comes along, you're ready to move.



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Want a clear view of where you stand? Speak to Direct Credit Home Loans about getting pre-approved with confidence. Call us on (07) 3726 1124 or email [email protected] to discuss your scenario directly with our credit team.

Learn how Direct Credit Home Loans Australia has been helping Australians achieve their dream of owning a home since 1998.

20/01/2026

Low doc lending is often misunderstood – and that confusion can make it harder for self-employed borrowers to access the finance they need.

Modern low doc loans are very different from the ‘no doc’ products of the past. You still need to provide evidence of income, but the documentation requirements are more flexible than those used by mainstream banks.

At Direct Credit Home Loans, we typically assess income using BAS statements, business bank transaction history or an accountant’s declaration. This approach reflects how small businesses actually operate – particularly if your income varies month to month or your latest tax return isn’t available.

The key difference lies in how income is assessed. Low doc loans are designed to accommodate non-standard income patterns, while still ensuring the loan is serviceable.

As a specialist lender, we take a practical, common-sense approach. We focus on real business activity and the overall strength of your income – not just the paperwork.



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Want a lender that understands how your business really works? Contact us on (07) 3726 1124 or [email protected] to discuss your scenario directly with our credit team.