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In a strategic move aimed at easing the financial burden on first-home buyers, AFG Securities has announced the elimination of settlement fees on select loans, potentially saving customers up to $699. While the dollar amount may seem modest against the backdrop of a six-figure mortgage, the decision carries significant strategic weight in the current housing market, where even small financial frictions can have a substantial impact.

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In a strategic move aimed at easing the financial burden on first-home buyers, AFG Securities has announced the elimination of settlement fees on select loans, potentially saving customers up to $699. While the dollar amount may seem modest against the backdrop of a six-figure mortgage, the decision carries significant strategic weight in the current housing market, where even small financial frictions can have a substantial impact.

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In a strategic move aimed at easing the financial burden on first-home buyers, AFG Securities has announced the elimination of settlement fees on select loans, potentially saving customers up to $699. While the dollar amount may seem modest against the backdrop of a six-figure mortgage, the decision carries significant strategic weight in the current housing market, where even small financial frictions can have a substantial impact.

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Amidst rising inflation and interest rates, many Australians are finding themselves under increasing financial pressure. This scenario has led to a common misconception that reaching out to banks during financial hardship will irreparably damage their credit files. However, a mid-tier Australian lender, operating under the pseudonym "Aurora Bank," has successfully challenged this misconception, transforming it into a strategic advantage. By reframing hardship as a customer-care and risk discipline, Aurora Bank has not only reduced arrears but also safeguarded its long-term customer value.

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Amidst rising inflation and interest rates, many Australians are finding themselves under increasing financial pressure. This scenario has led to a common misconception that reaching out to banks during financial hardship will irreparably damage their credit files. However, a mid-tier Australian lender, operating under the pseudonym "Aurora Bank," has successfully challenged this misconception, transforming it into a strategic advantage. By reframing hardship as a customer-care and risk discipline, Aurora Bank has not only reduced arrears but also safeguarded its long-term customer value.

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Amidst rising inflation and interest rates, many Australians are finding themselves under increasing financial pressure. This scenario has led to a common misconception that reaching out to banks during financial hardship will irreparably damage their credit files. However, a mid-tier Australian lender, operating under the pseudonym "Aurora Bank," has successfully challenged this misconception, transforming it into a strategic advantage. By reframing hardship as a customer-care and risk discipline, Aurora Bank has not only reduced arrears but also safeguarded its long-term customer value.

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APRA’s latest superannuation performance test results have reignited a high‑stakes debate: does the test optimise member value or unintentionally curb long‑term investment in housing, infrastructure and the energy transition? With the Treasurer ordering a review, the $3.7 trillion super system faces a design choice that will shape capital flows for a decade. The answer will determine not only fees and returns for 16 million Australians but also whether super can play a bigger role in national investment priorities—without diluting fiduciary discipline.

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APRA’s latest superannuation performance test results have reignited a high‑stakes debate: does the test optimise member value or unintentionally curb long‑term investment in housing, infrastructure and the energy transition? With the Treasurer ordering a review, the $3.7 trillion super system faces a design choice that will shape capital flows for a decade. The answer will determine not only fees and returns for 16 million Australians but also whether super can play a bigger role in national investment priorities—without diluting fiduciary discipline.

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APRA’s latest superannuation performance test results have reignited a high‑stakes debate: does the test optimise member value or unintentionally curb long‑term investment in housing, infrastructure and the energy transition? With the Treasurer ordering a review, the $3.7 trillion super system faces a design choice that will shape capital flows for a decade. The answer will determine not only fees and returns for 16 million Australians but also whether super can play a bigger role in national investment priorities—without diluting fiduciary discipline.

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Australia's economy has shown unexpected resilience in the June 2025 quarter, with household and government consumption driving growth despite a significant decline in public investment. The Australian Bureau of Statistics (ABS) reported a 0.6% increase in GDP quarter-on-quarter and a 1.8% rise year-on-year, with nominal GDP up by 0.7%. For the 2024–25 financial year, the growth rate stood at 1.3%. This performance was largely attributed to robust consumer and government spending, which managed to offset the downturn in public investment.

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• Yes

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Australia's economy has shown unexpected resilience in the June 2025 quarter, with household and government consumption driving growth despite a significant decline in public investment. The Australian Bureau of Statistics (ABS) reported a 0.6% increase in GDP quarter-on-quarter and a 1.8% rise year-on-year, with nominal GDP up by 0.7%. For the 2024–25 financial year, the growth rate stood at 1.3%. This performance was largely attributed to robust consumer and government spending, which managed to offset the downturn in public investment.

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Australia's economy has shown unexpected resilience in the June 2025 quarter, with household and government consumption driving growth despite a significant decline in public investment. The Australian Bureau of Statistics (ABS) reported a 0.6% increase in GDP quarter-on-quarter and a 1.8% rise year-on-year, with nominal GDP up by 0.7%. For the 2024–25 financial year, the growth rate stood at 1.3%. This performance was largely attributed to robust consumer and government spending, which managed to offset the downturn in public investment.

" ["publish_date"]=> string(19) "2025-10-06 22:59:38" ["image"]=> string(113) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1759867121/pexels-pixabay-358549_j2tefc.jpg" ["image_alt"]=> string(78) "Australia's June quarter GDP growth driven by consumer and government spending" } [4]=> object(stdClass)#894 (38) { ["type_alias"]=> string(19) "com_content.article" ["content_item_id"]=> int(19028) ["core_content_id"]=> int(5601) ["match_count"]=> int(1) ["tag_date"]=> string(19) "2025-10-06 20:05:18" ["core_title"]=> string(80) "No-deposit home loans in Australia: The growth gambit that tests risk discipline" ["core_params"]=> object(Joomla\Registry\Registry)#1859 (3) { ["data":protected]=> object(stdClass)#1924 (28) { ["article_layout"]=> string(0) "" ["show_title"]=> string(0) "" ["link_titles"]=> string(0) "" ["show_tags"]=> string(0) "" ["show_intro"]=> string(0) "" ["info_block_position"]=> string(0) "" ["info_block_show_title"]=> string(0) "" ["show_category"]=> string(0) "" ["link_category"]=> string(0) "" ["show_parent_category"]=> string(0) "" ["link_parent_category"]=> string(0) "" ["show_author"]=> string(0) "" ["link_author"]=> string(0) "" ["show_create_date"]=> string(0) "" ["show_modify_date"]=> string(0) "" ["show_publish_date"]=> string(0) "" ["show_item_navigation"]=> string(0) "" ["show_hits"]=> string(0) "" ["show_noauth"]=> string(0) "" ["urls_position"]=> string(0) "" ["alternative_readmore"]=> string(0) "" ["article_page_title"]=> string(0) "" ["show_publishing_options"]=> string(0) "" ["show_article_options"]=> string(0) "" ["show_urls_images_backend"]=> string(0) "" ["show_urls_images_frontend"]=> string(0) "" ["readingDiff"]=> string(1) "3" ["comments"]=> string(1) "1" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["core_alias"]=> string(79) "no-deposit-home-loans-in-australia-the-growth-gambit-that-tests-risk-discipline" ["core_body"]=> string(516) "

A new no-deposit mortgage has landed in Australia, promising to crack the hardest nut in housing—fronting a deposit—while raising old questions about risk and capital. For lenders, the product doubles as a growth lever in a flat mortgage market and a test of underwriting modernisation. For regulators and investors, it is a live case study in prudential discipline, governance, and borrower outcomes. Here’s how the economics, risk, and strategy stack up—plus what to watch next.

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• Yes

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A new no-deposit mortgage has landed in Australia, promising to crack the hardest nut in housing—fronting a deposit—while raising old questions about risk and capital. For lenders, the product doubles as a growth lever in a flat mortgage market and a test of underwriting modernisation. For regulators and investors, it is a live case study in prudential discipline, governance, and borrower outcomes. Here’s how the economics, risk, and strategy stack up—plus what to watch next.

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int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["title"]=> string(80) "No-deposit home loans in Australia: The growth gambit that tests risk discipline" ["introtext"]=> string(516) "

A new no-deposit mortgage has landed in Australia, promising to crack the hardest nut in housing—fronting a deposit—while raising old questions about risk and capital. For lenders, the product doubles as a growth lever in a flat mortgage market and a test of underwriting modernisation. For regulators and investors, it is a live case study in prudential discipline, governance, and borrower outcomes. Here’s how the economics, risk, and strategy stack up—plus what to watch next.

" ["publish_date"]=> string(19) "2025-10-06 05:04:52" ["image"]=> string(111) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1759781031/pexels-rdne-8292883_nbi2hs.jpg" ["image_alt"]=> string(80) "No-deposit home loans in Australia: The growth gambit that tests risk discipline" } [5]=> object(stdClass)#885 (38) { ["type_alias"]=> string(19) "com_content.article" ["content_item_id"]=> int(19022) ["core_content_id"]=> int(5595) ["match_count"]=> int(1) ["tag_date"]=> string(19) "2025-10-06 20:12:42" ["core_title"]=> string(87) "Australia's GDP surprise is real but operators should heed the growth mix warning light" ["core_params"]=> object(Joomla\Registry\Registry)#1926 (3) { ["data":protected]=> object(stdClass)#1910 (28) { ["article_layout"]=> string(0) "" ["show_title"]=> string(0) "" ["link_titles"]=> string(0) "" ["show_tags"]=> string(0) "" ["show_intro"]=> string(0) "" ["info_block_position"]=> string(0) "" ["info_block_show_title"]=> string(0) "" ["show_category"]=> string(0) "" ["link_category"]=> string(0) "" ["show_parent_category"]=> string(0) "" ["link_parent_category"]=> string(0) "" ["show_author"]=> string(0) "" ["link_author"]=> string(0) "" ["show_create_date"]=> string(0) "" ["show_modify_date"]=> string(0) "" ["show_publish_date"]=> string(0) "" ["show_item_navigation"]=> string(0) "" ["show_hits"]=> string(0) "" ["show_noauth"]=> string(0) "" ["urls_position"]=> string(0) "" ["alternative_readmore"]=> string(0) "" ["article_page_title"]=> string(0) "" ["show_publishing_options"]=> string(0) "" ["show_article_options"]=> string(0) "" ["show_urls_images_backend"]=> string(0) "" ["show_urls_images_frontend"]=> string(0) "" ["readingDiff"]=> string(1) "3" ["comments"]=> string(1) "1" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["core_alias"]=> string(83) "australias-gdp-surprise-is-real-but-the-growth-mix-is-a-warning-light-for-operators" ["core_body"]=> string(532) "

Australia’s June-quarter growth beat expectations on the strength of household consumption and government spending, even as public investment sagged. The upside surprise signals resilience, but the composition matters: firms face a consumption-led upswing with soft capex and a thin productivity cushion. For boards, this is a window to re-price, re-tool and reposition ahead of a tougher 2026 backdrop flagged by the RBA. Here’s the strategy brief—and the procurement map—for the next 12 months.

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• Yes

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Australia’s June-quarter growth beat expectations on the strength of household consumption and government spending, even as public investment sagged. The upside surprise signals resilience, but the composition matters: firms face a consumption-led upswing with soft capex and a thin productivity cushion. For boards, this is a window to re-price, re-tool and reposition ahead of a tougher 2026 backdrop flagged by the RBA. Here’s the strategy brief—and the procurement map—for the next 12 months.

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Australia’s June-quarter growth beat expectations on the strength of household consumption and government spending, even as public investment sagged. The upside surprise signals resilience, but the composition matters: firms face a consumption-led upswing with soft capex and a thin productivity cushion. For boards, this is a window to re-price, re-tool and reposition ahead of a tougher 2026 backdrop flagged by the RBA. Here’s the strategy brief—and the procurement map—for the next 12 months.

" ["publish_date"]=> string(19) "2025-10-06 04:12:07" ["image"]=> string(128) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1759781498/pexels-marcus-ireland-313629-2009197_m3ob1y.jpg" ["image_alt"]=> string(87) "Australia's GDP surprise is real but operators should heed the growth mix warning light" } }