In the new high-rate environment, is opportunity disappearing or shifting?

That's what brokers and borrowers are working through together right now.

In today's episode of Broker Daily Uncut, host Julian Barnes is joined by Finni brokers Eva Loisance and Costa Arvanitopoulos to break down a property market caught between caution and calculation.

Auction clearance rates are slipping, stock is rising, and owner-occupiers are taking a step back – but investors are stepping in, negotiating harder, and finding value where others see risk. At the same time, lenders are shifting policy, opening up higher LVRs, and loosening requirements to keep credit flowing in a tightening cycle.

From fixed-rate strategy and borrowing capacity pressure to the real impact of government schemes and the hidden costs catching buyers off guard, this episode gets into what's actually happening on the ground.

What happens when the credit taps start tightening – but your clients need money faster than ever?

That's the tension brokers are stepping into right now.

Liam Garman and Trent Carter break down the reality of a shifting lending market, where falling SME confidence, rising insolvency risk, and tightening credit policies are changing the rules in real time. Speed is still critical, but getting to "yes" isn't always as simple as it used to be.

From structuring deals more intelligently to building tighter lender panels and navigating the growing role of non-bank lenders, this conversation gets into what actually separates high-performing brokers when conditions turn.

Tune in to find out how you can be faster, sharper, and better positioned to get deals done, even as the market tightens.

Specialist lending has moved from the margins to the mainstream. This week's Broker Daily Spotlight focuses on that shift.

Senior journalist Julian Barnes is joined by Belinda Wright (Thinktank's general manager of partnerships and distribution) and Joel Harrison (head of partnerships and distribution) to break down how specialist lending can redefine the broker playbook.

As borrower scenarios become less straightforward and traditional bank appetite narrows, brokers are stepping into commercial, SMSF, and non-bank lending in a much bigger way. Better education, sharper tech, and deeper lender relationships are making that transition not just possible but also profitable.

Here's what's driving it:

• More complex borrowers pushing demand beyond standard residential deals.
• Non-bank lenders filling gaps left by the majors.
• A clear growth pathway for brokers willing to expand beyond PAYG lending.
• A changing definition of what a "full-service" broker looks like.

This is about more than product diversification. It's about staying competitive as the market shifts beneath your feet.