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G-Loans Home Loans & Residential Investment? Business & Commercial loans? Asset, Equipment, Working Cap or Cash Flow Finance? Personal Loans?

At G-Loans strive to provide you with attentive personal service and find you a loan to meet your needs & circumstances.

Headline CPI has hit 4.3%, with trimmed mean at 3.6%, and that's before the board even sits down.The RBA meets today and...
02/11/2026

Headline CPI has hit 4.3%, with trimmed mean at 3.6%, and that's before the board even sits down.

The RBA meets today and tomorrow, 2-3 November, with the cash rate already at 4.60%. And here's the uncomfortable part: trimmed mean was already above the bank's own 3.3% December forecast before this print.

What it means for you:

🏠 Variable rate holders: a hike passes straight through to your repayments. The question isn't if your budget feels it, it's by how much.

đź“‹ Applications in progress: assessment rates move with any hike. If your loan has been sitting in a pipeline, the amount you were told you could borrow at the start may not be what you can borrow today.

🔍 Fixed rates expiring: if your fixed period ends soon, you'll roll onto rates shaped by this decision, not the ones you signed up for.

The market has been calling another move for weeks, and banks were already tipping hikes through November. Whatever the board announces, the direction of travel is clear: borrowing is getting tighter, not easier.

At G-loans, we look across 20+ lenders, because when assessment rates bite, the difference between lenders gets bigger, not smaller. Transparent fees, no hidden costs, and a dedicated account manager who tells you where you actually stand.

If the decision lands badly for you, message us. Let's look at your options before the next one.

Brokers aren't the alternative anymore. We're the main event. 🏦The MFAA's 2025–26 annual report confirms brokers facilit...
01/11/2026

Brokers aren't the alternative anymore. We're the main event. 🏦

The MFAA's 2025–26 annual report confirms brokers facilitated a record 81.6% of new residential home loans in the June 2026 quarter.

Think about what that means: more than four in five new home loans in Australia are now written by a broker, not a bank branch.

Why the shift? Because a single lender can only ever offer you their rates, their policy and their appetite. A broker brings you the whole market.

At G-loans, that means access to 20+ lenders, transparent fees with no hidden costs, and a dedicated account manager who guides you from application to settlement.

The market has voted with its feet. If you're still going direct to a bank and taking whatever's on the menu, maybe it's time to see the full menu instead.

Curious what your options look like? Message us today, let's talk.

ASIC graded the recorded reasons on 551 broker files, and the pattern is uncomfortable: the reasons got weaker as the co...
29/10/2026

ASIC graded the recorded reasons on 551 broker files, and the pattern is uncomfortable: the reasons got weaker as the cost gap grew. Where the extra cost topped $20,000, just 34.1% of files came back with no concerns.

In a separate review, ASIC found a bank that never told brokers an offset account needed re-linking after a refinance. Which means borrowers were paying for a feature that wasn't doing its job.

Both findings point at the same thing. The paperwork behind a loan isn't admin, it's the part that protects you.

What we take from it:
âś… If a recommendation costs more, the reason for it has to be stronger, not thinner
âś… Ask what changed structurally, not just what the rate is
âś… After a refinance, confirm your offset is linked and actually reducing interest
âś… Get your reasons for a loan written down in plain language

At G-loans, we put the reasoning in writing and explain the trade-offs, with transparent fees, no hidden costs and a dedicated account manager through the process. Access to 20+ lenders means the recommendation should hold up on the detail, not the sales pitch.

If your current loan has never been explained back to you properly, that's worth a conversation. Let's talk.

Same-lender refinancing fell 28%. More than three times the 8.8% drop in switching lenders. That’s a notable shift: even...
27/10/2026

Same-lender refinancing fell 28%. More than three times the 8.8% drop in switching lenders. That’s a notable shift: even the option that can involve less paperwork is being used less often.

With the cash rate at 4.60% and serviceability still a hurdle, refinancing isn’t straightforward for everyone. An MFAA survey found 49.2% of brokers had clients unable to refinance.

Still, fewer people refinancing doesn’t mean your loan should go unchecked. You could:
• Ask your current lender about repricing.
• If refinancing isn’t workable, explore whether restructuring your facility or adjusting the loan term may suit your circumstances. Consider the potential impact on total interest and repayments.
• Review your options rather than assuming you’re already on the best fit.

At G-loans, we look at the full picture across 20+ lenders, not just whether you can switch. Individual outcomes vary, and these figures reflect broader market activity.

Want to review your options? Let’s talk.

Open banking is finding its place in mortgage applications, but the experience isn’t seamless for everyone yet.NextGen t...
25/10/2026

Open banking is finding its place in mortgage applications, but the experience isn’t seamless for everyone yet.

NextGen told Broker Daily that almost 120,000 consumers shared financial data with brokers through its platform last financial year. Open banking supported close to 1 in 10 broker-originated home loan applications in its ecosystem, and those applications were approved an average of 11% faster than applications using traditional processes.

When it works well, securely sharing your banking data can mean fewer paper statements and faster verification. But client hesitation and clunky integrations show why the process still needs clear guidance and care.

At G-loans, we keep up with tools that can help make applications smoother while putting personalised guidance and your data security first. Technology should support a better process, not replace a conversation.

Have questions about what sharing your financial data involves? Let’s talk.

NAB has revised its housing outlook: it now forecasts capital-city dwelling prices to fall 8% over 2026, compared with i...
23/10/2026

NAB has revised its housing outlook: it now forecasts capital-city dwelling prices to fall 8% over 2026, compared with its previous forecast of a 6% decline. The bank expects an around 11% peak-to-trough fall, with prices reaching a floor around Q2 2027. Combined capital-city values fell 1.2% in September and were 6.4% below their March peak. Sydney is forecast to see the largest major-capital decline, at around 14% peak to trough.

These are NAB’s forecasts, not certainties, but they’re a useful prompt to plan.

🏠 If you own: consider reviewing your loan structure and loan-to-value ratio (LVR) before refinancing or accessing equity. A valuation can affect the options available.

🔑 If you’re buying: trying to call the exact bottom is difficult. Focus on what fits your budget and a loan structure you can manage through different market conditions. A cooling market may also bring more choice and room to negotiate.

Want to talk through your options? G-Loans can help you compare solutions across 20+ lenders, with transparent fees and a dedicated account manager.

ASIC has made an interim stop order affecting three Australian Secure Capital Fund Limited schemes: the ASCF Premium Cap...
21/10/2026

ASIC has made an interim stop order affecting three Australian Secure Capital Fund Limited schemes: the ASCF Premium Capital Fund, ASCF Select Income Fund and ASCF High Yield Fund.

While ASIC reviews their product disclosure statements, the order prevents interests in the funds from being offered, issued, sold or transferred. The regulator has raised concerns about disclosure of loan portfolios and diversification, disposal costs, and an investor reserve account. This is an interim measure, not a final finding.

At 30 June 2026, the funds had $251.8 million in assets under management, invested in short-term mortgages secured over Australian real property.

The update is a reminder to look closely at what you’re investing in, or borrowing against. How is the loan book described? What does diversification mean in practice? How do liquidity and costs work?

At G-loans, we help clients ask the right questions and understand the finance they’re considering. Our 20+ lender panel, transparent fees and dedicated account managers can help you compare commercial finance options.

Have questions about business finance? Let’s talk.

Private credit is moving beyond the warning stage.At the CAFBA Summit, ASIC’s Simone Constant highlighted findings from ...
15/10/2026

Private credit is moving beyond the warning stage.

At the CAFBA Summit, ASIC’s Simone Constant highlighted findings from a review of 28 funds, including gaps in borrower-rate disclosure, default policies and liquidity stress testing.

Important context: these findings relate to the reviewed sector. They are not a finding against every private credit lender.

Private credit can be a valuable funding source for businesses and commercial deals that sit outside traditional bank appetite. But as scrutiny increases, transparency matters more than ever.

Before committing, ask:
âś… How is the interest rate set and disclosed?
âś… What events could trigger a default?
âś… How would the fund manage a significant stress event?

At G-loans, we help you ask the right questions before you sign. With access to 20+ lenders and a dedicated account manager, we focus on finding a funding solution that fits your goals, with clear terms and transparent fees.

Need help comparing your options? Let’s talk.

An offset account can be a valuable home loan feature, but only when it’s correctly linked and properly understood. 🏠The...
12/10/2026

An offset account can be a valuable home loan feature, but only when it’s correctly linked and properly understood. 🏠

The Senate has referred offset accounts to an inquiry, with a report due on 7 June 2027. Its scope includes how accounts are established and connected, governance, remediation, and whether fees provide a meaningful benefit to borrowers.

Important context: an inquiry is not a change to lending rules, nor does it create an automatic entitlement to compensation.

The practical takeaway? Don’t wait for the inquiry to check your own setup:

âś… Confirm your offset is linked to the correct loan
âś… Check it is reducing interest as intended
âś… Review the fees against the benefit you receive
âś… Make sure you understand how deposits, withdrawals and linked accounts work

At G-loans, we help you choose suitable loan features, get the structure set up correctly and understand how they work, with access to 20+ lenders and support from a dedicated account manager.

Have questions about your offset account? Let’s talk.

The loan you could get a year ago may not be available today, and serviceability, not just the interest rate, could be t...
08/10/2026

The loan you could get a year ago may not be available today, and serviceability, not just the interest rate, could be the wall. 🏠

The MFAA’s August 2026 Market Sentiment Survey of 588 mortgage brokers found 49.2% reported increasing difficulty for clients trying to refinance, up from 24.4% six months earlier.

That matters. Refinancing is often the escape route when repayments rise, but tighter assessments can make it harder to qualify, even with rates at 4.60%.

A decline from one lender isn’t necessarily the end of the road. Different lenders use different serviceability calculators and policy niches. Depending on your circumstances, restructuring your existing facility may also be an alternative to refinancing outright.

Our practical advice: review your position before your fixed rate expires, not after. At G-loans, we compare options across 20+ lenders, explain the costs upfront and provide a dedicated account manager throughout the process.

Thinking about your next move? Let’s talk early and explore the options available to you.

Address

Chatswood & Canberra
Sydney, NSW
2067&2914

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+61489089298

Website

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