How I Give Feedback That Changes Behaviour: The SBI Framework
How I use the SBI framework (Situation, Behaviour, Impact) to give feedback that changes behaviour, with a real coaching example from my lending team.
Don’t Let Your Leads Leak: Mastering the Pipeline with a Funnel Analogy
Where home loan deals leak out of the pipeline, from enquiry to settlement, and the coaching habits that keep clients on track at each stage.
Where Lending Teams Find Business When the Market Slows
When the market slows, a lending team’s business doesn’t disappear. It moves: to your existing client book, your referral partners, and the refinance conversations already in front of you.
Managing Teams Through Economic Uncertainty
What helps a lending team through rate uncertainty isn’t reassurance. It’s giving lenders something concrete to say to anxious clients, and being straight about what you don’t know.
Does HECS Debt Affect Home Loan Borrowing Power?
HELP debt reduces how much you can borrow because the repayments count in serviceability. What lenders look at and how the repayment thresholds work.
Griffith and the MIA: Why Irrigated Farming Isn’t Standard Riverina Lending
Griffith and the Murrumbidgee Irrigation Area run on irrigated horticulture and viticulture, not broadacre farming — and that difference changes how water allocations, perennial crops, and local income should actually be presented to a lender.
Offset Account vs Extra Repayments: Which Actually Saves You More
Both reduce the interest you pay. Only one keeps your money accessible. Here’s the actual difference, and how to work out which fits your situation.
Can You Use Gifted Money for a Home Loan Deposit?
Gifted deposits are common, but lenders ask for evidence. What a gift letter, genuine savings and lender policy mean for your application.
What Canberra’s Public Servants Need to Know About Home Loan Serviceability
Canberra’s economy runs on APS employment — and that changes how lenders actually assess a borrower here compared to almost anywhere else in the country. Here’s what that means in practice.
Canberra vs the Illawarra: Two Very Different “Commuter” Markets
Canberra and the Illawarra both get called “commuter-adjacent regional markets,” but they’re built on almost opposite structures — one concentrated around a single employer type, the other diversified but inconsistently assessed by postcode.