25/05/2026
The 2026 Federal Budget has introduced a new wave of discussion across the finance industry, particularly around how brokers can continue supporting clients in a changing lending environment.
According to FINSTREET BDM Amritpal Singh, the budget may create challenges for some borrowers under traditional lending models, but it also opens the door for brokers who understand the opportunities available in the non-bank space.
A Shift in the Lending Landscape
With servicing pressures, tighter policies, and ongoing affordability concerns still impacting borrowers, many clients are finding it harder to meet major bank requirements. At the same time, demand for funding has not slowed.
Business owners, investors, and self-employed borrowers are still actively seeking finance solutions, particularly in areas such as:
- Commercial property
- Low doc lending
- Asset finance
- Business expansion
- Investment opportunities
This is where non-bank lenders are becoming increasingly important.
Brokers Have an Opportunity to Add More Value
One of the key messages highlighted is that brokers who diversify their lending knowledge will be in a stronger position moving forward. Rather than relying solely on traditional bank products, brokers who understand alternative lending solutions can help more customers get outcomes approved.
Non-bank lenders are continuing to provide flexibility around:
- Income verification
- Servicing models
- Loan structuring
- Turnaround times
- Complex borrower scenarios
For brokers, this means more ways to keep deals alive and continue supporting clients who may otherwise struggle to fit standard policies.
Commercial & Low Doc Lending Remain Key Areas
The budget discussion also highlighted growing movement in commercial lending and low doc solutions.
As economic conditions continue to evolve, many borrowers are looking for funding options that better align with real-world business cash flow and commercial opportunities.
This creates significant potential for brokers who can identify:
- Alternative servicing solutions
- Commercial finance opportunities
- Flexible documentation pathways
- Non-bank lender niches
The Importance of Staying Educated
With policy changes and market conditions moving quickly, staying informed has never been more important for brokers. The lending market is evolving, and brokers who continue learning, adapting, and expanding their lender network will be better positioned to grow in 2026 and beyond.
