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Broker Daily

September 29th, 2026

Budget
Home Loans
Market Conditions
Rates
RBA

The worst combination you can hand a mortgage holder: Evolve quoted in Broker Daily

Broker Daily has covered what today’s Reserve Bank decision means for borrowers and brokers, and asked for our view on why the pressure is building from more than one direction.

The numbers behind the story are stark. Equifax has mortgage demand down 14.1 per cent year on year in August, the fifth monthly fall in a row, and first home buyer demand down 20.1 per cent. The MFAA puts a quarter of a per cent rise at close to $100 a month on a $600,000 loan, and about $13,000 off the same household’s borrowing capacity.

My point to Broker Daily was that a rate rise is a brake on one wheel, and it is the wrong wheel. The government has far more tools than the Reserve Bank to manage demand, and in May it pulled them in the wrong direction by raising taxes on property investors and lifting spending in the same Budget.

Raising taxes and raising spending at the same time is the worst combination you can hand a mortgage holder. They pay the higher tax, they pay the higher repayments, and the inflation they were promised relief from is still there.

As I told Broker Daily, the borrowers feeling it most are the ones with the least room to move: first home buyers watching their borrowing capacity shrink while investors with tighter budgets move into the same lower-priced homes. If your numbers were tight before today, they are tighter now. Run them properly, and have the conversation with your broker before Christmas rather than after.

The Adviser

September 28th, 2026

Market Conditions
RBA

A brake on one wheel: Evolve quoted in The Adviser on the September rate rise

The Adviser has covered the big four’s call on this week’s Reserve Bank meeting, and asked for our view on what it means for borrowers.

The banks are united. All four expect a 25 basis point rise on Tuesday, even with unemployment ticking up to 4.6 per cent in August, and markets have more rises pencilled in for November and December.

My point to The Adviser was that this decision was partly written in May, in the budget, not by the Reserve Bank. The government has far more tools than the central bank to manage demand, and it pulled them in the wrong direction by raising taxes on property investors and lifting spending at the same time.

Rate rises are a brake on one wheel. They squeeze the 30- to 54-year-old mortgage holder, including thousands of households across Western Sydney, while paying older and wealthier deposit holders more. That group keeps spending on services, which is exactly where inflation is stickiest.

As I told The Adviser, the practical step is simple. Work out now what another quarter of a per cent adds to your repayments. On a $750,000 loan that is roughly $120 a month; on $1 million, about $165. If that is tight, or two more of them would be, have the conversation with your broker before Christmas rather than after. A loan structured for the rates of two years ago may not be the right one for the rates of next year.

Confirm the refinance URL before it goes live, then on Wednesday add one line at the top confirming the RBA’s decision and change “this week’s” to “the September”.

Western Weekender

August 26th, 2026

Market Conditions
Upsizers
Upsizing

Upsizers on the move: Evolve featured in the Western Weekender

The Western Weekender has covered what we’re seeing on the ground across Western Sydney: growing families are making their move.

The pattern is consistent. More than half of our recent enquiries are from people we helped into a first property within the last three to four years, mostly townhouses and units under the $1 million mark. Those homes have held their value through the recent shift, while the suburban four- and five-bedroom homes on decent blocks, sitting between $1.3 million and $1.5 million, are in some cases listing $100,000 to $150,000 below where they were six months ago. The distance between the home these families own and the home they need has shrunk from both ends.

Incomes have helped too. Many of these households are earning up to 15 per cent more than when they first bought, which carries the larger loan.

As I told the Weekender, with rates front of mind, supply still tight and rents continuing to climb, the market could well stay busier than the negative outlook suggests. Families who run their numbers now may find a move that looked out of reach a year ago is achievable today.

Broker Daily

August 25th, 2026

Market Conditions
Upsizers
Upsizing

Market conditions spark upsizer surge: Evolve featured in Broker Daily

Broker Daily has covered a shift we’ve been watching for months: the upsizers are moving.

More than half of our recent inquiries are from people we helped into their first home within the last three to four years. They’re back, and this time they’re after the four- or five-bedroom family home.

The reason is a rare alignment. Three successive rate rises and the Federal Budget’s overhaul of investor tax settings have taken some heat out of the $1.3 million to $1.5 million bracket, with some family homes listing $100,000 to $150,000 below where they would have sat six months ago. Meanwhile the townhouses and units these owners are selling, mostly under the $1 million mark, have held their value relatively well. The gap between what they own and what they want has narrowed from both ends at once.

Add household incomes that in many cases have grown up to 15 per cent since that first purchase, and a move that didn’t stack up a year ago is stacking up now.

As I told Broker Daily, this is a narrow window rather than a new normal. If you bought your first home a few years ago and your family is outgrowing it, the numbers may sit differently than the last time you looked.

Read the full article at Broker Daily.

The Adviser

June 25th, 2026

Housing
SMSF

SMSF Borrowing Ban Sends Shockwaves Through Lending Market

RBA Rate Rise Puts Borrowers Back Under Pressure

Mark Stevenson, Managing Director of Evolve Lending & Finance, was quoted in Broker Daily following the Reserve Bank of Australia’s May 2026 decision to lift the official cash rate by 0.25 per cent to 4.35 per cent.

The article reported that the decision marked the third consecutive 25-basis-point rate rise for the year, with the RBA responding to persistent inflation, a firm labour market and rising fuel costs linked to conflict in the Middle East. The RBA said inflation was likely to remain above target for some time, with risks still tilted to the upside.

Mark said the RBA would likely have been hesitant to place further pressure on consumers already dealing with higher fuel prices, but that the Board remained focused on taming inflation. He noted that underlying inflation was still sitting above the RBA’s 2–3 per cent target range and warned that rates could rise further if inflationary pressures continue.

For mortgage holders, the article reinforced the importance of reviewing loan structure, borrowing capacity and repayment resilience in a higher-rate environment. If the latest cash rate increase has affected your repayments, refinancing options or broader lending strategy, contact Evolve Lending & Finance to understand what options may be available.

Western Weekender

May 5th, 2026

Rates
RBA

BREAKING: RBA Lifts Cash Rate to 4.35%

BREAKING: RBA Lifts Cash Rate to 4.35%

Mark Stevenson, Managing Director of Evolve Lending & Finance, was featured in The Western Weekender following the Reserve Bank of Australia’s May 2026 decision to lift the official cash rate by 0.25 per cent, taking it from 4.10 per cent to 4.35 per cent.

The RBA said inflation was likely to remain above target for some time and that risks remained tilted to the upside, including the risk of inflation expectations becoming harder to contain. The decision was not unanimous, with eight members voting to increase the cash rate and one member voting to leave it unchanged at 4.10 per cent.

Mark said the latest increase would add further pressure for mortgage holders, particularly borrowers with larger loans, variable-rate facilities, expiring fixed rates or limited repayment buffers. He noted that while the headline rate decision attracts attention, the real issue for borrowers is how the increase affects repayments, borrowing capacity, refinancing options and overall loan structure.

For many households, another rate rise is a reminder to review whether their current lending setup still suits their position. If the latest RBA decision has affected your repayments, refinancing options or broader lending strategy, contact Evolve Lending & Finance to review your current loan structure and understand what options may be available.

The Adviser

November 13th, 2025

Rebrand

Bell Partners Finance rebrands to Evolve Lending and Finance

Bell Partners Finance Rebrands to Evolve Lending and Finance

Bell Partners Finance was featured in The Adviser in November 2025 following its rebrand to Evolve Lending and Finance, with the publication reporting that billion-dollar broker Mark Stevenson had changed the name of his Sydney-based brokerage after leading it for the past 11 years.

The rebrand followed the expiration of the brand licence agreement with accounting firm Bell Partners. Mark described the change as a new chapter for the brokerage, while emphasising that it was business as usual for clients. The same team and the same award-winning expertise remained in place, the main business line on 1300 112 355 was unchanged, and staff contact details had not changed. The brokerage continued to operate across home, business and asset finance lending, with brokers providing the same scope of services clients had come to expect. Finsure, the brokerage’s aggregator, was acknowledged for supporting a smooth transition throughout the process.

Mark shared the thinking behind the new identity, describing Evolve Lending and Finance as representing the next evolution of client-focused lending, where relationships matter, expertise is personal and solutions are tailored for real life. From home and investment lending to commercial, business and asset finance, the team’s approach remained centred on partnering with clients to make confident, informed financial decisions at every stage, with decades of experience and a proactive focus on securing the right outcomes rather than just the fastest approvals. Mark said he was looking forward to achieving more success under the new name and continuing to help clients reach their goals by securing their financial future.

If you are looking for an experienced, award-winning lending partner, contact Evolve Lending & Finance to find out how the team can help you.

BrokerNews

June 26th, 2025

First-home Buyers

First-home buyer activity surges

whasFirst-Home Buyer Activity Surges: Bell Partners Finance

Mark Stevenson, Managing Director at Bell Partners Finance (now Evolve Lending & Finance), was featured in Australian Broker News in June 2025 reporting a significant rise in first-home buyer activity across the brokerage’s offices in Sydney CBD, Melbourne, Brisbane, Perth, Baulkham Hills, Newcastle and Tamworth, following the RBA’s May rate cut.

Since the May cut brought the cash rate from 4.1 per cent to 3.85 per cent, Mark said the brokerage had seen a clear increase in activity from first-time buyers. With the RBA expected to cut again as early as its July meeting, and financial markets forecasting as many as three further cuts through the year that could bring the cash rate down to around 3.1 per cent, renters who had been sitting on the sidelines were now actively exploring whether they could get into the property market. Westpac chief economist Luci Ellis was forecasting cuts in August and November, with two more in early 2026, and had cautioned that without continued easing, Australia risked a shaky transition from public to private sector demand. Slowing population growth was also easing pressure on rents and inflation, giving the RBA additional room to move if labour market or price data softened.

Government policy was also playing a meaningful role in driving enquiry. The brokerage had been fielding calls from buyers specifically looking at new builds to take advantage of $30,000 First Homeowner Grants, which were limited to new properties. Mark also welcomed the re-elected federal Labor government’s pledge that from January 1, 2026, all first-home buyers would be able to purchase with only a 5 per cent deposit without the need for lenders’ mortgage insurance. In Queensland, additional support was available through the scrapping of stamp duty for first-home buyers on new builds, and through the Boost to Buy scheme, which would see the Queensland government contribute 30 per cent equity for new builds and 25 per cent for existing homes on eligible purchases up to $1 million.

If you are a first-home buyer ready to take the next step, contact Evolve Lending & Finance to find out what options and government schemes may be available to you.

Broker Daily

September 3rd, 2024

Novated Leasing
Vehicle Sourcing

Brokerage offering novated leasing and vehicle sourcing

Brokerage Offering Novated Leasing and Vehicle Sourcing

Bell Partners Finance (now Evolve Lending & Finance) was featured in Broker Daily following the expansion of its asset and business lending division to include novated leasing and nationwide vehicle sourcing services.

Arthur Peios, Head of the Asset and Business Division, outlined the mechanics of the novated leasing offering. The arrangement allows employees to bundle the cost of a vehicle and its running expenses into a single pre-tax monthly repayment, effectively reducing taxable income while covering both the finance and the day-to-day costs associated with the car. For employers, the program offers a way to attract and retain staff through an attractive salary packaging benefit, with the added advantage of reduced payroll tax obligations, though Peios noted that FBT obligations would apply where there was a private use component.

The vehicle sourcing service complemented the finance offering by giving clients access to fleet sale pricing across new and used vehicles, from a single purchase through to fleets of 100 or more. By working through a network of fleet contacts rather than a traditional dealership, clients could avoid the overhead costs built into standard dealer pricing. Peios also noted that test drives could be arranged at a time and location convenient to the client, including at their home or office.

The expansion came alongside the launch of the Bell Partners Finance Real Estate Partner Program, a referral arrangement through which real estate agents could share in lender commissions for home loans originated on behalf of their buyers. Mark Stevenson described the program as a way to streamline the home buying process for property professionals, connecting buyers with suitable lenders while guiding them through the application and approval process.

Interested in novated leasing, vehicle sourcing or asset finance? Contact Evolve Lending & Finance to find out how we can help.

The Adviser

November 7th, 2022

Achievement
Profile

Billion Dollar Broker Q&A: with Mark Stevenson

Billion Dollar Broker Q&A: Mark Stevenson, Bell Partners Finance

Mark Stevenson, Managing Director at Bell Partners Finance (now Evolve Lending & Finance) was profiled in depth by The Adviser as part of their Billion Dollar Broker series, sharing the story behind settling one billion dollars in loans in just eight years and the principles that underpinned his rise to the top of the industry.

Mark’s path into broking began with a nudge from family. His uncle had spent years suggesting that every broker he met loved what they did and found genuine satisfaction in helping people. It took about a decade of hearing it before Mark gave it serious consideration, eventually making the move in 2011 through Mortgage Choice before transitioning to Finsure when they acquired LoanKit in 2013.

The Bell Partners Finance book is broad in its scope, with residential home loans making up around 65 per cent of settlements and the remainder spread across commercial property, self-managed super funds, asset finance and development finance. The core client base has always been self-employed borrowers, though the business services a wide spectrum. Mark noted that individual transactions can reach $10 million on a single property, which helps accelerate the cumulative numbers, though his approach has always been to focus on the work in front of him rather than tracking milestones.

On how he managed volume without sacrificing quality, Mark pointed to clear role delineation within the team. He created a template that brokers must complete before any deal reaches the admin team, covering file notes, recommendations, Statement of Credit Assistance and pricing details. Brokers cannot simply hand off incomplete work. The system is built around clear expectations, and by his account it produces very few problems because everyone understands their part in the process.

Mark was candid about the role of the people around him. He acknowledged that imposter syndrome still surfaces, because the success of the business at this scale is genuinely a team achievement, with his own contribution representing a smaller share of the whole than it once did.

The advice he offered other brokers was simple and grounded: be slow to hire, quick to fire when necessary, and never be afraid to ask for help from those who know more than you do in a given area.

Mark Stevenson’s story is the foundation of what Evolve Lending & Finance is today. Contact us to work with a team that has proven it can deliver at the highest level.

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