With persistent inflation, rising input costs and impending Reserve Bank decisions putting pressure on margins, brokers must understand the operational realities their business clients face and how credit assessors evaluate risk in a high-rate environment.
In this episode of Finance Specialist, host Julian Barnes sits down with Trent Carter from Accendo Financial to unpack Australia’s latest inflation figures and explore what ongoing macroeconomic headwinds mean for commercial borrowers and brokers alike.
The discussion delves into the psychological and cash flow impacts of rate hikes, how rising transport, fuel and labour costs are compressing margins, and why lenders closely monitor whether a business is actively managing its overheads or simply hoping for relief.
Tune in to discover how and why brokers should be running “what if” stress tests to present robust, compelling credit cases to lenders for their SME clients.
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Annie Kane
Author
Annie Kane is the managing editor of Momentum's mortgages titles: The Adviser and Mortgage Business.
As well as writing about the Australian broking industry, the mortgage market, financial regulation, fintechs and the wider lending landscape – Annie is also the host of the Elite Broker and In Focus podcasts and The Adviser Live webcasts.
Annie has a degree in English Literature and Music from the University of Sheffield and is a Mental Health First Aider (MHFAider®).
Email Annie at:This email address is being protected from spambots. You need JavaScript enabled to view it.