29/05/2026
The 2026 Federal Budget has introduced a number of proposed changes that are expected to influence borrower behaviour, investment strategies, and lending opportunities across the market.
As clients reassess affordability, servicing capacity, investment structures, and refinancing options, brokers are likely to see increased demand for flexible lending solutions and alternative funding pathways. These market changes are expected to create stronger reliance on non-bank lending solutions, particularly for:
- Complex borrower scenarios
- Self-employed clients
- Commercial lending opportunities
- Refinance and restructuring activity
- Investors seeking flexible servicing solutions
The evolving lending environment also reinforces the importance of proactive client engagement, especially where policy flexibility, turnaround times, and tailored solutions are critical, areas where non-bank lenders continue to play an important role.
Growing Opportunities in Non-Bank Lending
As traditional lending policies remain tight, many borrowers continue facing servicing challenges despite maintaining strong asset positions or business performance.
This is creating increased opportunities for brokers to explore:
- Low doc lending
- Commercial and business finance
- Asset finance
- Alternative income verification solutions
- Flexible refinance pathways
Non-bank lending solutions can help brokers support clients who may not meet standard bank policy requirements, while still providing competitive and practical funding outcomes.
Increased Refinance & Restructuring Activity
With changing economic conditions and ongoing borrower pressure, many clients are expected to reassess their existing lending arrangements. This may lead to increased activity around:
- Debt consolidation
- Restructuring existing facilities
- Cash flow management
- Equity release strategies
- Portfolio rebalancing
Brokers who understand alternative lending options and maintain strong lender relationships will be well positioned to assist clients through these transitions.
As market conditions continue evolving, brokers who diversify their lending knowledge and understand non-bank solutions will be better positioned to support a broader range of client scenarios.
