Martin Iglesias
@martin-iglesias.bsky.social
📊 Sydney-based executive financial adviser delivering strategic funding solutions for organisations and individuals. Former ANZ & CBA executive with 20+ years of expertise in property finance and business growth. 🏢 #PropertyFinance #BusinessGrowth
Some economists are warning that persistent inflation could force the RBA to lift the cash rate in February. While this is far from a consensus view, it represents a clear shift in the narrative and one that borrowers and investors should not ignore.
www.martiniglesias.com.au/post/rates-b...
www.martiniglesias.com.au/post/rates-b...
Rates Back In Focus As Inflation Clouds The Outlook – Martin Iglesias
For much of the past year, the conversation around interest rates in Australia has centred on when the Reserve Bank would finally be in a position to cut. That assumption is now being tested.
www.martiniglesias.com.au
January 20, 2026 at 4:06 AM
Some economists are warning that persistent inflation could force the RBA to lift the cash rate in February. While this is far from a consensus view, it represents a clear shift in the narrative and one that borrowers and investors should not ignore.
www.martiniglesias.com.au/post/rates-b...
www.martiniglesias.com.au/post/rates-b...
The Fed’s third rate cut this year came with a clear message: caution.
For Australian borrowers and investors, this points to a slower, more uneven path to rate relief.
Read my thoughts in the article below.
www.martiniglesias.com.au/post/what-th...
For Australian borrowers and investors, this points to a slower, more uneven path to rate relief.
Read my thoughts in the article below.
www.martiniglesias.com.au/post/what-th...
What the Latest US Fed Rate Cut Means for Australia – Martin Iglesias
The recent US Fed rate cut is a caution signal that the path to “normal” monetary policy is narrowing.
www.martiniglesias.com.au
December 19, 2025 at 2:32 AM
The Fed’s third rate cut this year came with a clear message: caution.
For Australian borrowers and investors, this points to a slower, more uneven path to rate relief.
Read my thoughts in the article below.
www.martiniglesias.com.au/post/what-th...
For Australian borrowers and investors, this points to a slower, more uneven path to rate relief.
Read my thoughts in the article below.
www.martiniglesias.com.au/post/what-th...
ANZ has scrapped its early-2026 rate cut call, expecting the RBA to hold at 3.60% for longer as inflation edges up and the labour market stays strong.
I’ve shared my thoughts and what it means for borrowers in the article below.
www.martiniglesias.com.au/post/is-the-...
I’ve shared my thoughts and what it means for borrowers in the article below.
www.martiniglesias.com.au/post/is-the-...
What ANZ’s Updated Forecast Means for Borrowers in 2026 – Martin Iglesias
If you were hoping 2026 would bring meaningful rate relief, ANZ has just poured cold water on that expectation.
www.martiniglesias.com.au
December 10, 2025 at 8:22 PM
ANZ has scrapped its early-2026 rate cut call, expecting the RBA to hold at 3.60% for longer as inflation edges up and the labour market stays strong.
I’ve shared my thoughts and what it means for borrowers in the article below.
www.martiniglesias.com.au/post/is-the-...
I’ve shared my thoughts and what it means for borrowers in the article below.
www.martiniglesias.com.au/post/is-the-...
Investor lending is surging, and regulators may be gearing up to respond. The tools they choose could shift Australia’s property market in a big way.
Read my latest article to learn more.
www.martiniglesias.com.au/post/macropr...
Read my latest article to learn more.
www.martiniglesias.com.au/post/macropr...
Macroprudential Tools As A Method To Slow The Investor Lending Surge – Martin Iglesias
Australia’s housing market is firing on all cylinders, but regulators are warning that the acceleration may have a downside.
www.martiniglesias.com.au
November 25, 2025 at 12:09 AM
Investor lending is surging, and regulators may be gearing up to respond. The tools they choose could shift Australia’s property market in a big way.
Read my latest article to learn more.
www.martiniglesias.com.au/post/macropr...
Read my latest article to learn more.
www.martiniglesias.com.au/post/macropr...
Australia’s property market is surging, with mortgage pre-approvals jumping across major suburbs. Buyer confidence is back and competition is rising.
In my latest blog, I outline what’s driving the boom.
www.martiniglesias.com.au/post/propert...
In my latest blog, I outline what’s driving the boom.
www.martiniglesias.com.au/post/propert...
Property Fever: Why Australia’s Pre-Approval Surge Signals a Market Running Hotter Than Expected – Martin Iglesias
If Australia’s inflation pulse has been sending mixed signals, the property market is doing the exact opposite.
www.martiniglesias.com.au
November 20, 2025 at 10:28 PM
Australia’s property market is surging, with mortgage pre-approvals jumping across major suburbs. Buyer confidence is back and competition is rising.
In my latest blog, I outline what’s driving the boom.
www.martiniglesias.com.au/post/propert...
In my latest blog, I outline what’s driving the boom.
www.martiniglesias.com.au/post/propert...
If inflation keeps tracking at the top of the RBA’s target band, the next move could very well be a rate increase, not a cut. For homeowners, that means they may need to brace for the possibility that higher repayments will be with us longer than expected.
www.martiniglesias.com.au/post/inflati...
www.martiniglesias.com.au/post/inflati...
Inflation Shock: Why the RBA’s Next Move Might Not Be What You’re Hoping For – Martin Iglesias
Just when mortgage holders thought relief might be on the horizon, a hotter-than-expected inflation result has thrown cold water on the idea of an interest-rate cut anytime soon.
www.martiniglesias.com.au
November 3, 2025 at 1:10 AM
If inflation keeps tracking at the top of the RBA’s target band, the next move could very well be a rate increase, not a cut. For homeowners, that means they may need to brace for the possibility that higher repayments will be with us longer than expected.
www.martiniglesias.com.au/post/inflati...
www.martiniglesias.com.au/post/inflati...
In my latest blog, I compare two investment paths – one focused on yield, the other on growth.
If you’re considering your first move, or your next one, it’s worth thinking strategically.
www.martiniglesias.com.au/post/rentves...
If you’re considering your first move, or your next one, it’s worth thinking strategically.
www.martiniglesias.com.au/post/rentves...
Rentvesting in 2025: A Smarter Strategy – If You Know What You’re Buying – Martin Iglesias
The first property you buy will decide your future. It’s not something you want to get wrong,
www.martiniglesias.com.au
October 23, 2025 at 2:48 AM
In my latest blog, I compare two investment paths – one focused on yield, the other on growth.
If you’re considering your first move, or your next one, it’s worth thinking strategically.
www.martiniglesias.com.au/post/rentves...
If you’re considering your first move, or your next one, it’s worth thinking strategically.
www.martiniglesias.com.au/post/rentves...
Inflation rose to 3.0% in August – its highest in 12 months. But the RBA held at 3.60%, noting underlying inflation eased to 2.6%. With demand strengthening, markets now see November cuts as 50/50.
www.martiniglesias.com.au/post/headlin...
www.martiniglesias.com.au/post/headlin...
Headline Inflation Edges Higher but Core Measure Eases – Martin Iglesias
Australia’s inflation rose to 3.0% in August – the highest in a year – as housing and electricity rebates drove the rise. Yet underlying inflation eased to 2.6%, keeping it within target. The RBA held...
www.martiniglesias.com.au
October 6, 2025 at 9:47 PM
Inflation rose to 3.0% in August – its highest in 12 months. But the RBA held at 3.60%, noting underlying inflation eased to 2.6%. With demand strengthening, markets now see November cuts as 50/50.
www.martiniglesias.com.au/post/headlin...
www.martiniglesias.com.au/post/headlin...
Overdue tax has surged past $50b, and the ATO collected $9.4b in interest in 2023–24. At more than 11% compounding daily and no longer deductible, relying on the tax office for cashflow is a costly mistake.
www.martiniglesias.com.au/post/atos-bi...
www.martiniglesias.com.au/post/atos-bi...
ATO’s $9.4 Billion Interest Bill: Why the Tax Office Is the Wrong Lender – Martin Iglesias
The ATO charged $9.4b in interest in 2023–24, with overdue tax above $50b. At 11% compounding daily – and no longer deductible – tax debt is now one of the most expensive liabilities. Strong cashflow ...
www.martiniglesias.com.au
September 29, 2025 at 1:32 AM
Overdue tax has surged past $50b, and the ATO collected $9.4b in interest in 2023–24. At more than 11% compounding daily and no longer deductible, relying on the tax office for cashflow is a costly mistake.
www.martiniglesias.com.au/post/atos-bi...
www.martiniglesias.com.au/post/atos-bi...
Australia’s economy grew just 0.6% in Q2, with annual GDP slowing to 1.8% – the weakest in decades outside COVID. Households are spending more but saving less, while inflation pressures linger. The RBA is unlikely to cut soon. Full analysis: www.martiniglesias.com.au/post/inflati...
Inflation roars back, rate cuts delayed – Martin Iglesias
Australia’s economy grew just 0.6% in Q2, leaving annual GDP at 1.8% – the weakest in three decades outside COVID. Household spending rose, but savings fell to 4.2%, while investment remained subdued....
www.martiniglesias.com.au
September 17, 2025 at 12:12 AM
Australia’s economy grew just 0.6% in Q2, with annual GDP slowing to 1.8% – the weakest in decades outside COVID. Households are spending more but saving less, while inflation pressures linger. The RBA is unlikely to cut soon. Full analysis: www.martiniglesias.com.au/post/inflati...
The US has imposed global tariffs on goods from nearly 70 countries. Australia faces a 10% rate – lower than many competitors. Whilst headlines focus on disruption, could this trade war present unexpected opportunities for Australian exporters? www.martiniglesias.com.au/post/us-tari...
US tariffs on Australian goods: a hidden benefit? – Martin Iglesias
Global tariffs announced by the US have rattled markets worldwide. Australia’s 10% rate is low compared to many rivals, creating potential advantages for exporters – but also exposing the need for div...
www.martiniglesias.com.au
September 2, 2025 at 12:19 AM
The US has imposed global tariffs on goods from nearly 70 countries. Australia faces a 10% rate – lower than many competitors. Whilst headlines focus on disruption, could this trade war present unexpected opportunities for Australian exporters? www.martiniglesias.com.au/post/us-tari...
Yesterday, 12th August, the Reserve Bank of Australia cut the cash rate by 0.25 percentage points, reducing it from 3.85% to 3.60%. Whilst headlines are reassuring, the real story is more complicated - www.martiniglesias.com.au/post/rba-rat...
RBA Rate Cuts. Caution Rather Than Celebration – Martin Iglesias
Yesterday, 12 August, the Reserve Bank of Australia cut the cash rate by 0.25 percentage points, reducing it from 3.85% to 3.60%. Whilst headlines are reassuring, the real story is more complicated, a...
www.martiniglesias.com.au
August 13, 2025 at 7:48 AM
Yesterday, 12th August, the Reserve Bank of Australia cut the cash rate by 0.25 percentage points, reducing it from 3.85% to 3.60%. Whilst headlines are reassuring, the real story is more complicated - www.martiniglesias.com.au/post/rba-rat...
The RBA's recent rate cuts haven't translated to easier business lending.
Major banks maintain rigid frameworks that often exclude viable businesses with complex structures or sophisticated investment strategies.
Read my analysis below.
www.martiniglesias.com.au/post/beyond-...
Major banks maintain rigid frameworks that often exclude viable businesses with complex structures or sophisticated investment strategies.
Read my analysis below.
www.martiniglesias.com.au/post/beyond-...
Beyond the Banks: Strategic Alternatives in Today’s Tight Lending Market – Martin Iglesias
The RBA's recent rate cuts haven't translated to easier business lending. Major banks maintain rigid frameworks that often exclude viable businesses with complex structures or sophisticated investment...
www.martiniglesias.com.au
July 24, 2025 at 6:30 AM
The RBA's recent rate cuts haven't translated to easier business lending.
Major banks maintain rigid frameworks that often exclude viable businesses with complex structures or sophisticated investment strategies.
Read my analysis below.
www.martiniglesias.com.au/post/beyond-...
Major banks maintain rigid frameworks that often exclude viable businesses with complex structures or sophisticated investment strategies.
Read my analysis below.
www.martiniglesias.com.au/post/beyond-...
With US steel tariffs now doubled, Watpac warns of fresh pressure on Aussie builders – rising costs, harder forecasting, and added contractor risk.
Strategic contract structuring is critical to navigating the dangers.
🔗 bit.ly/4jPEp9e
#Construction #SupplyChain
Strategic contract structuring is critical to navigating the dangers.
🔗 bit.ly/4jPEp9e
#Construction #SupplyChain
Builder Watpac warns of supply chain risk from new US steel tariffs
The increased uncertainty from a choppier global environment comes at a tough time for Australian contractors, just as conditions are slowing at home.
bit.ly
June 24, 2025 at 11:35 PM
With US steel tariffs now doubled, Watpac warns of fresh pressure on Aussie builders – rising costs, harder forecasting, and added contractor risk.
Strategic contract structuring is critical to navigating the dangers.
🔗 bit.ly/4jPEp9e
#Construction #SupplyChain
Strategic contract structuring is critical to navigating the dangers.
🔗 bit.ly/4jPEp9e
#Construction #SupplyChain
Just launched a new Substack to help make sense of the complexity in business finance.
The first post looks at cash flow lending - what lenders assess, how to present your strengths, and where opportunities are often missed.
🔗 bit.ly/3HW3B0A
#BusinessFinance #CashFlow
The first post looks at cash flow lending - what lenders assess, how to present your strengths, and where opportunities are often missed.
🔗 bit.ly/3HW3B0A
#BusinessFinance #CashFlow
Martin Iglesias | Substack
Credit Analyst at Highfield Private with 20+ years at ANZ Bank and CBA. Expert in strategic funding, complex financial arrangements. Secured $10M+ educational financing, $30M+ real estate facilities. ...
bit.ly
June 18, 2025 at 2:15 AM
Just launched a new Substack to help make sense of the complexity in business finance.
The first post looks at cash flow lending - what lenders assess, how to present your strengths, and where opportunities are often missed.
🔗 bit.ly/3HW3B0A
#BusinessFinance #CashFlow
The first post looks at cash flow lending - what lenders assess, how to present your strengths, and where opportunities are often missed.
🔗 bit.ly/3HW3B0A
#BusinessFinance #CashFlow
Just went live with a financial glossary aimed at helping business owners, developers, and advisers better understand our industry.
Clear definitions. Real context. Built for actual use, not theory.
www.financialglossary.com.au
Clear definitions. Real context. Built for actual use, not theory.
www.financialglossary.com.au
Strategic Finance Glossary | Key Terms for Business Funding, Cash Flow and Structured Finance
Explore a comprehensive glossary of financial terms covering strategic funding, business lending, mergers and acquisitions, structured finance, and cash flow management – built for leaders, investors ...
www.financialglossary.com.au
June 11, 2025 at 6:24 AM
Just went live with a financial glossary aimed at helping business owners, developers, and advisers better understand our industry.
Clear definitions. Real context. Built for actual use, not theory.
www.financialglossary.com.au
Clear definitions. Real context. Built for actual use, not theory.
www.financialglossary.com.au
RBA’s latest rate cut to 3.85% offers short-term relief – but with inflation still sticky and unemployment steady, the risk is a fresh round of cost-of-living pressure down the line.
Is this early move a hedge against slowdown – or a policy gamble?
🔗 bit.ly/43pir6R
Is this early move a hedge against slowdown – or a policy gamble?
🔗 bit.ly/43pir6R
RBA interest rates: Reserve Bank of Australia cuts cash rate to 3.85% amid lowering inflation
Michele Bullock says she does not expect Australia to fall into recession, but the bank is wary of economic conditions deteriorating
bit.ly
May 27, 2025 at 11:27 PM
RBA’s latest rate cut to 3.85% offers short-term relief – but with inflation still sticky and unemployment steady, the risk is a fresh round of cost-of-living pressure down the line.
Is this early move a hedge against slowdown – or a policy gamble?
🔗 bit.ly/43pir6R
Is this early move a hedge against slowdown – or a policy gamble?
🔗 bit.ly/43pir6R
Following the election, Labor’s tax on unrealised super gains is moving ahead. The risk? More than admin headaches, capital could exit supers for other assets and markets, creating a drag on economic activity and growth. Investors & funds need to plan ahead.
👉 bit.ly/43vDeqA
👉 bit.ly/43vDeqA
Labor’s tax on unrealised gains could wreck your retirement
This new tax warrants rigorous scrutiny and a more comprehensive reassessment before it inflicts lasting damage on our nation’s financial well-being.
bit.ly
May 14, 2025 at 12:14 AM
Following the election, Labor’s tax on unrealised super gains is moving ahead. The risk? More than admin headaches, capital could exit supers for other assets and markets, creating a drag on economic activity and growth. Investors & funds need to plan ahead.
👉 bit.ly/43vDeqA
👉 bit.ly/43vDeqA
Growth alone doesn’t guarantee finance but how that growth is structured, timed, and funded is what's important.
My latest post explores what lenders really look for—and how businesses can turn cash flow into leverage. Read here:
bit.ly/4k1pf1a
#AusBiz #CashFlowLending #BusinessFinance
My latest post explores what lenders really look for—and how businesses can turn cash flow into leverage. Read here:
bit.ly/4k1pf1a
#AusBiz #CashFlowLending #BusinessFinance
May 8, 2025 at 2:17 AM
Growth alone doesn’t guarantee finance but how that growth is structured, timed, and funded is what's important.
My latest post explores what lenders really look for—and how businesses can turn cash flow into leverage. Read here:
bit.ly/4k1pf1a
#AusBiz #CashFlowLending #BusinessFinance
My latest post explores what lenders really look for—and how businesses can turn cash flow into leverage. Read here:
bit.ly/4k1pf1a
#AusBiz #CashFlowLending #BusinessFinance
Strategic funding has become essential in today's complex property development landscape. My latest post on Medium examines critical success factors and emerging ESG considerations reshaping the sector.
Read more here: bit.ly/44frtWm 🏢
#FinanceStrategy #PropertyDevelopment
Read more here: bit.ly/44frtWm 🏢
#FinanceStrategy #PropertyDevelopment
April 29, 2025 at 2:50 AM
Strategic funding has become essential in today's complex property development landscape. My latest post on Medium examines critical success factors and emerging ESG considerations reshaping the sector.
Read more here: bit.ly/44frtWm 🏢
#FinanceStrategy #PropertyDevelopment
Read more here: bit.ly/44frtWm 🏢
#FinanceStrategy #PropertyDevelopment
My latest Medium article offers a good perspective on #financing large-scale #propertydevelopment strategies.
medium.com/@iglesiasmar...
medium.com/@iglesiasmar...
Understanding Construction Finance: Key Strategies for Large-Scale Property Development
In today’s fluid Australian construction finance landscape, developers face mounting complexities when securing funding for large-scale…
medium.com
April 22, 2025 at 2:21 AM
My latest Medium article offers a good perspective on #financing large-scale #propertydevelopment strategies.
medium.com/@iglesiasmar...
medium.com/@iglesiasmar...
📊 US tariff pause sent S&P 500 up 9.5%, but uncertainty persists.
AUS sees no direct benefit—10% tariffs remain. AUD at 0.62 USD faces ongoing pressure.
As I noted after the RBA’s decision: this isn’t a time for celebration or panic—but for strategic preparation. 🏢
bit.ly/3Ei9SCv
#MarketVolatility
AUS sees no direct benefit—10% tariffs remain. AUD at 0.62 USD faces ongoing pressure.
As I noted after the RBA’s decision: this isn’t a time for celebration or panic—but for strategic preparation. 🏢
bit.ly/3Ei9SCv
#MarketVolatility
April 10, 2025 at 6:29 AM
📊 US tariff pause sent S&P 500 up 9.5%, but uncertainty persists.
AUS sees no direct benefit—10% tariffs remain. AUD at 0.62 USD faces ongoing pressure.
As I noted after the RBA’s decision: this isn’t a time for celebration or panic—but for strategic preparation. 🏢
bit.ly/3Ei9SCv
#MarketVolatility
AUS sees no direct benefit—10% tariffs remain. AUD at 0.62 USD faces ongoing pressure.
As I noted after the RBA’s decision: this isn’t a time for celebration or panic—but for strategic preparation. 🏢
bit.ly/3Ei9SCv
#MarketVolatility
📊 Property development lifecycle: A strategic journey from land acquisition to completion. Each phase requires expert financial navigation.
🏢 New article: Key funding strategies that make or break large-scale developments. bit.ly/42nzrdo
#PropertyDevelopment #ConstructionFinance
🏢 New article: Key funding strategies that make or break large-scale developments. bit.ly/42nzrdo
#PropertyDevelopment #ConstructionFinance
April 8, 2025 at 3:02 AM
📊 Property development lifecycle: A strategic journey from land acquisition to completion. Each phase requires expert financial navigation.
🏢 New article: Key funding strategies that make or break large-scale developments. bit.ly/42nzrdo
#PropertyDevelopment #ConstructionFinance
🏢 New article: Key funding strategies that make or break large-scale developments. bit.ly/42nzrdo
#PropertyDevelopment #ConstructionFinance
With the RBA meeting today, all eyes are on inflation.
Feb’s CPI dipped to 2.4%, reinforcing that monetary policy is working—but it’s still outside the 2-3% target. The RBA typically waits for quarterly CPI (due late April), so a rate hold seems likely for now.
#RBA #InterestRates #Inflation
Feb’s CPI dipped to 2.4%, reinforcing that monetary policy is working—but it’s still outside the 2-3% target. The RBA typically waits for quarterly CPI (due late April), so a rate hold seems likely for now.
#RBA #InterestRates #Inflation
Inflation slows again less than a week from RBA rates call
www.9news.com.au
April 1, 2025 at 2:33 AM
With the RBA meeting today, all eyes are on inflation.
Feb’s CPI dipped to 2.4%, reinforcing that monetary policy is working—but it’s still outside the 2-3% target. The RBA typically waits for quarterly CPI (due late April), so a rate hold seems likely for now.
#RBA #InterestRates #Inflation
Feb’s CPI dipped to 2.4%, reinforcing that monetary policy is working—but it’s still outside the 2-3% target. The RBA typically waits for quarterly CPI (due late April), so a rate hold seems likely for now.
#RBA #InterestRates #Inflation
Thoughts about the RBA rate cuts?
Most property investors will rush to refinance. Smart ones will leverage this for portfolio expansion instead.
I've outlined 3 strategies to capitalise on while lenders recalibrate their risk models.
Full breakdown: www.linkedin.com/pulse/rbas-r...
Most property investors will rush to refinance. Smart ones will leverage this for portfolio expansion instead.
I've outlined 3 strategies to capitalise on while lenders recalibrate their risk models.
Full breakdown: www.linkedin.com/pulse/rbas-r...
March 12, 2025 at 3:28 AM
Thoughts about the RBA rate cuts?
Most property investors will rush to refinance. Smart ones will leverage this for portfolio expansion instead.
I've outlined 3 strategies to capitalise on while lenders recalibrate their risk models.
Full breakdown: www.linkedin.com/pulse/rbas-r...
Most property investors will rush to refinance. Smart ones will leverage this for portfolio expansion instead.
I've outlined 3 strategies to capitalise on while lenders recalibrate their risk models.
Full breakdown: www.linkedin.com/pulse/rbas-r...