Eventus Financial Featured in The Broker Times: How Four RBA Rate Rises Have Reduced Borrowing Capacity

As Featured in The Broker Times | Expert Commentary By Alex Veljancevski

Eventus Financial Founder and Director Alex Veljancevski has been featured in leading mortgage industry publication The Broker Times, providing expert commentary on how the Reserve Bank of Australia's four interest rate increases in 2026 have significantly impacted borrowing capacity for Australian first home buyers.

With the official cash rate reaching 4.60%, Alex highlighted how the cumulative effect of rising interest rates can reduce a borrower's maximum loan amount, even when their income, living expenses and deposit remain unchanged.

Using an illustrative example, Alex explained how a first home buyer who could previously borrow $800,000 may now only qualify for approximately $720,000 — representing an $80,000 reduction in borrowing power.

The article also explores the risks associated with relying on outdated home loan pre-approvals. Alex warned that borrowers who secured pre-approval earlier in the year may face reassessment under higher interest rates, potentially affecting their ability to purchase a property, particularly at auction.

Beyond reduced borrowing capacity, Alex discussed the growing affordability challenges facing Sydney first home buyers, including competition for lower-priced houses, townhouses and apartments.

The feature reinforces Eventus Financial's expertise in mortgage lending, borrowing capacity assessments and helping Australians navigate changing interest rates with informed home loan strategies.

Read the full article in The Broker Times

The borrowing capacity figures are illustrative. Actual borrowing capacity depends on individual financial circumstances and lender assessment policies.