Lender Updates - 2026

Modified on: Fri, 9 Jan, 2026 at 2:14 PM

WISR - 7th January

Jumpstart Jan

New year, new momentum - rates, servicing updates & support to kick off Jan strong

We hope you had a lovely holiday break and managed to squeeze in some well-earned downtime. ☀️

As we kick off the new year, we’re excited to help you Jumpstart Jan with discounted rates, smarter servicing updates, and the support you can count on as things ramp up again.

THE HIGHLIGHTS

? 0.25% rate discount on debt consolidation loans

? New servicing changes to make applications easier

Spotlight

Take 0.25% off your rate for debt consolidation loans

January is the perfect time for clients to reset their finances - and our 0.25% rate discount on debt consolidation loans gives them an even stronger reason to get started.

With a Wisr debt consolidation loan, they can combine credit cards, Buy Now Pay Later, and existing personal loans into one simple, manageable repayment.

Get an estimate

New servicing changes to make your life easier!

Our team has been working hard to streamline assessments and reduce unnecessary back-and-forth. Here’s a quick overview:

Buy Now Pay Later (BNPL)

BNPL will be excluded from servicing when consolidated into a Wisr loan or if the client closes their account prior to settlement.
Discretionary quarterly BNPL threshold increased to $3,000 (previously $1,500).

No bank statements

BS12 (SACC or MACC enquiries) now captures 12 months only.

Debt collections

Threshold increased to $200 (previously $100).

Get an estimate

Tip of the month ?

We can consider 100% of casual income if the applicant has been in their current role for more than 9 months. If they have been employed casually in the role for 4-9 months, we apply an 80% income assessment.

Nicole Evans, Head of Broker

Is January too early to put up Xmas decorations? BDM Rachael, doesn't think so.^*

Wisr's Growth and Marketing team ringing in the calendar year at Sydney HQ.

LATITUDE - 7th January

Acceptable Income Document Changes

Effective Monday 12^th January, we are updating our income verification documents. Please refer to the updated Minimum Document Checklist, Allowable Income Guide & Accountant Letter Guide in the broker portal to ensure you are using acceptable income verification documents for applications submitted from Monday 12^th January.

Key changes:

Based on the date of submission, salary credits on Bank Statements must show the latest deposit within:

10 days – if paid weekly
20 days – if paid fortnightly
40 days – if paid monthly

Based on the date of submission, Payslips must be dated within:

10 days – if paid weekly
20 days – if paid fortnightly
40 days – if paid monthly

Applicants working for the Family Business must now provide the MyGov YTD Income Statement to verify their income.

Thanks for partnering with Latitude.

Kind regards

Latitude Broker Team

ANGLE - 5th January

Dear Angle Brokers,

We hope you had a fantastic Christmas and New Year!

See the latest rate updates for A++ & A+ customers:

A++ & A+ rates are increasing by 40bps as of today.
Existing deals must settle by COB 9 January to lock in current rates.
From 9am Monday 12 Jan, existing deals will be issued a new approval advice reflecting the new rate.
All other standard rates remain unchanged.

These 3 Angle Finance Products Are Trending Right Now!

1. Secondary Assets

Competitive rate, starting at 7.89%.
Funding up to $250K Low Doc, $500K with 6-month bank statements, and larger equipment with full financials.
Over 500 secondary assets funded - check out MyHub to learn more.

2. Older Primary Assets

Competitive rate of 8.75% -9.75%.
No rate loading for private sales.
Low Doc up to $250K.
Finance assets up to 17 years old on a 3-year repayment term (20-year end-of-term).

3. Start-Up Product - <2 Year ABN

Recent rate reduction, now from 10.45%.
For businesses operating ≥3 months, up to $150K.
20% deposit and bank statement assessment.

>> View the latest Angle Rate Card <<

January 2026 National Webinar! Register NOW!

Kick off 2026 with a session on Customer Lead Generation, Start-Up Finance, plus meet new QLD/WA BDM Chris Evans.

For more info head to MyHub, your go-to for all things Angle.

Cheers,

The Angle Finance Team

MORRIS - 1st January

ABOUT | FINANCE | INVESTMENT | COMMUNITY | CONTACT

As we approach the end of the year, we’ve recently reviewed our product criteria and pricing. You will find linked below our updated Morris Products, Matrix and Fee Schedule documents, effective from 1st January, 2026.

Accompanying this are copies of our new Chattel Mortgage contracts, required on all Settlements for applications approved from the 1^st January 2026.

Also linked below is a copy of our current Broker Guide and Submission Cover Sheet. Please note that all Credit and Settlement team members now have direct phone lines, implemented to enhance communication with you.

If you have any questions in regards to the linked documents, or would like to discuss a loan scenario, feel free to contact myself on 0447 813 630.

Thank you for your support throughout 2025 and we look forward to working with you to achieve further success together in 2026.

Jarrod Moore
General Manager - Asset Finance
M 0447 813 630
E jarrod@morrisfinance.com.au

WESTPAC - 1st January

Financial Statement requirements from 1 January 2026.

For all credit applications submitted from 1 January 2026, financial statements and tax returns must cover the latest full financial year up to 30 June 2025.

If for any reason applicants have not yet finalised and signed off June 2025 statements/tax returns, Westpac may accept as a minimum, management account statements to clearly indicate the financial performance of the applicants for that year.

When only management accounts are provided, we urge brokers to also provide BAS statements for the corresponding reporting period, to assist with a prompt assessment.

The acceptance of management account statements will be at the discretion of the assessing Credit Manager.

Please ensure from 1 January 2026 you are consistently submitting finalised financial statements and tax returns for the year ended June 2025.

For any further details please talk to your local Business Development Manager or Relationship Executive.