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Insights from the lending market

Commentary, guides and market insights from Sydney’s specialist mortgage and commercial lending brokers.

Insights & updates

House model on stacked coins symbolising an equity release home loanBankingFinanceHome LoansLending Strategy

How Equity Release Actually Works — and What Lenders Look At

Providence Lending Group  |  Equity & Loan Structure 5 min read KEY POINTS Equity is the difference between a property’s current value and the debt secured against it — but usable equity is a smaller figure than total equity. Lenders typically calculate usable equity by reference to a maximum loan-to-value ratio, not the full equity …

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Australian commercial property — SMSF borrowing options after residential property borrowing banIndustry updatesLending StrategySMSF

SMSF Residential Lending Ban

Providence Lending Group  |  SMSF & Investment Lending 6 min read KEY POINTS New limited recourse borrowing arrangements (LRBAs) for residential property inside an SMSF are being prohibited. The legislation passed Parliament on 23 June 2026 and received Royal Assent on 26 June. Existing arrangements are fully grandfathered — no one is being forced to …

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Development Finance Presales coverDevelopment loansLending StrategyReal estate

Development Finance Presales: How Much Cover Do You Actually Need?

Providence Lending Group  |  Development Finance 6 min read KEY POINTS Development finance presales are one of the primary ways a lender de-risks a project before releasing construction funding. The amount of presale cover required isn’t a fixed percentage — it moves with the loan-to-cost ratio, the buyer profile, and how much of the debt …

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Asset FinanceFinanceLending Strategy

Asset Finance vs Commercial Loan: Choosing the Right Structure

Providence Lending Group  |  Asset Finance 6 min read KEY POINTS Both asset finance and a commercial loan can fund the purchase of business equipment, vehicles or machinery — the right choice depends on what’s being secured and why. Asset finance uses the asset itself as security, generally making it faster to approve and more …

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