RBA Flags Investor Wave Risk
Industry News
RBA Flags Investor Wave Risk — What It Means for Brokers in 2025
The Reserve Bank of Australia has flagged that a renewed wave of investor activity could amplify the next leg of the housing cycle as both investors and first‑home buyers return to market. For brokers, this means higher enquiry volumes and greater scrutiny on serviceability and risk settings — an opportunity for those who can structure, document and present deals cleanly.
Key signals brokers should watch
- Credit conditions loosening: As borrowing costs ease, credit appetite is lifting among households and SMEs.
- Investor participation rising: Rental shortages and price momentum are drawing investors back, particularly in yield‑resilient pockets.
- Macro‑prudential sensitivity: If investor lending accelerates, policy guidance may focus on serviceability buffers and interest‑only exposure.
How to position your clients now
- Structure first: Use simple, defensible borrowing entities (e.g., holdco + guarantees). Map security early; avoid late changes.
- Service precisely: Evidence sustainable cash flow (NDI/DSCR). For self‑employed, leverage Alt Doc pathways (BAS, Accountant’s Letter) where policy allows.
- Match product to purpose: Where flexibility and speed matter, consider LoanOne Commercial (C02) — up to 80% LVR (deal‑dependent), loans up to $3M, and offset availability.
LoanOne perspective: A rising investor tide doesn’t guarantee approvals — execution does. Clean files, pragmatic structures and clear servicing are your competitive edge in 2025.
