Weekly Credit Crunch 9th February 2026 🌟

🔔 Variable Rate Increase Dates Ordered by Effective Date (Closest → Latest)

Bridgit by LMG

• Bridging loans NOW Max 85% LVR 

• Now offering 24-month terms – added breathing room for your clients

• Valuations made easy – faster desktop and AVM options

UBANK

• OO P&I 90% LVR
• No LMI
• 1‑year fixed at 6.14%
• That’s 10bps lower than the variable counterpart

• Rate‑lock: $500 per fixed‑rate split
• Eligibility: Purchases only
• Reminder - Ubank also offer 90% NO LMI for investment purchases.

Clinch (part of Assetline Capital) — New Product Release

Non-bank lender Clinch has launched a short-term equity release loan designed specifically for later-life homeowners.

Key features:

✅ No income reliance

💸 No monthly repayments (interest capitalised)

📊 Assessed purely on equity strength + a documented exit strategy

📈 Up to 65% LVR

✅ Up to 2 year term

AMP’s SMSF Property Loan Is Almost Back

After nearly 8 years, AMP Bank is set to relaunch its SMSF property lending — The new offering comes with clear, prudent criteria around fund size, liquidity, and property quality, plus a new broker platform designed to make the process smoother and more secure. AMP is running a training webinar on Tuesday, 3 March covering policy, positioning, and what’s changing.

👉 Register via the link HERE

LaTrobe

LaTrobe Upcoming Webinar: Commercial & Development Finance — What Brokers Need to Know

Due to strong interest across my portfolio, I’ll be hosting an online Commercial & Development Finance webinar on Thursday 19 February.

This session will provide a clear, practical overview of our key lending solutions, with guidance on when and how to use them to best support your clients.

What we’ll cover:

• Commercial Loans

• Residential Construction

• Commercial Advantage (land acquisitions)

• Development Finance

• Residual Stock

Event details:

📅 Thursday 19 February
⏰ 10:00am
💻 Online via Zoom (access details to follow) How to register: To confirm your attendance, email Luke and reply “attending.” [email protected]

Luke Mennea Senior Manager – Client Partnerships 📞 0481 941 525

ANZ Brokerology – Bridging Finance Webinar

ANZ is inviting brokers to an in-depth Bridging Finance webinar, designed as a practical walk-through of ANZ’s bridging policy.

This session will cover real broker scenarios, FAQs, niche use cases, and tips & tricks to help you structure bridging finance with confidence.

What to expect:

• Practical demonstration of ANZ’s Bridging policy

• Common scenarios and FAQs

• Niche opportunities

• Tips and structuring insights

Event details:

📅 16 February
⏰ 2:00pm – 3:00pm
💻 Online webinar

👉 Registration: Register HERE

Membership Pricing Update, And Why Now

This is something we’ve never done before. Since launching The Brokers’ Bible, we’ve continuously added significant value to the platform without increasing pricing — absorbing the cost while building what has evolved from a simple policy tool into a true Broker Operating System.

More than two years on, with the platform now deeply embedded in brokers’ daily workflows, it’s time to make a small but necessary adjustment.

What’s changing

• Individual Membership: $57 + GST per month

• Business Membership: $147 + GST per month

👉 New members will be charged the new pricing effective immediately.
👉 Existing members will transition to the new pricing over the next month.

What’s been added (at no extra cost)

• Expanded Lending Policy: Commercial & Business Lending integrated into the platform, allowing brokers to diversify revenue streams without additional software (final rollout in progress)

• BrokerChat.AI: Proprietary AI engine with unlimited usage, delivering instant policy support and scenario analysis

• Social Media Marketing Kit: Monthly ready-to-post content with professional designs and high-converting copy

• Member Resource & Template Library: Practical templates for application notes and client communication

• Direct Scenario Email Support: Human support for complex or non-standard deals — your safety net when policy gets tricky

• Ongoing Education:

  • Monthly policy-focused training webinars

  • Weekly Credit Crunch updates to keep members ahead of the curve

Why this matters

We’ve absorbed the cost of major developments — particularly unlimited AI capability and commercial data integration — to build a platform brokers actually rely on. The data backs this up: 73% of members now use The Brokers’ Bible as a core part of their daily workflow.

This small price adjustment ensures we can continue to invest, innovate, and support brokers at the level they’ve come to expect — without compromising quality.

As always, thank you for backing the platform. We’re just getting started. 💜

See you next week finance friends!!