Emu Money

With rates at 4.35% and buffers pushing assessed rates past 9%, lenders are pulling more files for manual review. HEM floors are biting harder. Undeclared liabilities on the credit file are getting caught. Unverified partner income is getting kicked back. We broke down how HEM and HPI actually work, what triggers a file review, and the five checks to run before every lodgement -> https://lnkd.in/g_jhn6g3 #AssetFinance #ResponsibleLending #FinanceBroker

Equipment suppliers are losing sales they don't even know about. The buyer says "I'll talk to my bank" and never comes back. It's not a pricing problem. It's a payment framing problem. $75,000 is a boardroom decision. $350/week is a running cost. Same machine. Completely different conversation. Full article -> https://lnkd.in/gjmj4kAj #VendorFinance #EquipmentFinance #AssetFinance

A lender that wrote your transport deal last month declines a near-identical one this month. The borrower hasn't changed. The asset class is the same. The rate card hasn't moved. But the portfolio has. Most lender appetite is driven by warehouse funding rules that brokers never see. Understanding those rules is how the best brokers match better and settle more. Full guide -> https://lnkd.in/g4cMQ4GN #AssetFinance #FinanceBroker #LenderSelection

Regulators are paying closer attention to finance referral arrangements than at any point since the Royal Commission. CBA self-reported $1 billion in potentially fraudulent loans through its introducer program earlier this year. AUSTRAC is now examining referral data from 10+ major lenders. And from 1 July 2026, accountants, lawyers, and real estate agents face their own AML/CTF obligations for the first time under Tranche 2. If you refer clients for finance, the rules are tightening. Here's what you need to know. Full analysis -> https://lnkd.in/gneKNiFr #AssetFinance #ReferralCompliance #FinanceBroking

Thinking about referring clients for finance? Here's what the process actually looks like, from the moment you submit a referral to the moment you get paid. Full breakdown → https://lnkd.in/gTbgDCFK #AssetFinance #FinancePartner #ReferralPartner

Your mortgage clients already need car loans, equipment finance, and personal loans. You can't write these deals yourself without Best Interest Duty applying. But you can refer them to a specialist and earn from it. Referral income is real, when the compliance is right. Here's how mortgage brokers are adding asset finance referrals to their business -> https://lnkd.in/gyanUq57