Digital Finance Analytics (DFA) Blog
"Intelligent Insight"
It seems that eventually mortgage rates will rise in Australia, as global forces exert external pressure on the RBA, and as the RBA tries to normalise rates (at say 2% higher than today). Timing is, of course, not certain. But it is worth considering the potential impact. While our mortgage stress analysis takes a cash … Continue reading “Where Rate Rises Will Hit The Hardest”
In our latest weekly update, we explore how that RBA is caught between stronger global economic indicators, and weaker local conditions, and what this means for local households, the property market and banks. Welcome to the Property Imperative weekly to 11th November 2017. Read the transcript or watch the video. We start this weeks’ digest … Continue reading “Another Nice Mess – The Property Imperative Weekly – 11 Nov 2017”
Its crunch time in Australian banking, as property momentum slows, households feel the pinch and mortgage risks rise. Welcome to the Property Imperative Weekly to 4th November 2017. Watch the video or read the transcript. We start this week’s review by looking at interest rates. The Bank of England lifted their cash rate by 25 … Continue reading “Crunch Time In Australian Banking – The Property Imperative Weekly – 04 Nov 2017”
From The Conversation. The federal government will be forcing banks to hand over half their credit data ready for reporting by mid-2018 (with the remainder available in 2019). It seems rather quaint in the age of big data that the big four banks have been able to hold onto their treasure troves of loan data … Continue reading “Forcing the banks to hand over our credit history might help with a home loan but it has risks”
Another big week of finance and property news, so we pick over the bones and try to make sense of what’s going on. And we ask were the Regulators asleep at the wheel? Welcome to the Property Imperative weekly to 28th October 2017. Watch the video or read the transcript. We start this week’s review … Continue reading “Asleep At The Wheel? – The Property Imperative Weekly 28 Oct 2017”
The latest economic and finance data appears to be pulling in two directions, so we discuss the trends. Welcome to the Property Imperative Weekly to 21st October 2017. Watch the video, or read the transcript! In this week’s review of the latest finance and property news, we start with data from the Australian Institute of … Continue reading “Pulling In Two Directions – The Property Imperative Weekly 21 Oct 2017”
The HIA says that despite the poor levels of housing affordability there are signs of improvement for home-buyers. Investors are not so lucky. “The HIA Housing Affordability index for Australia improved by 0.5 per cent in the September 2017 quarter but still remains 4.4 per cent below the level recorded a year ago. “Housing Affordability … Continue reading “Housing Affordability Eases for Some”
The latest and updated edition of our flagship report “The Property Imperative” is now available on request with data to mid October 2017. This Property Imperative Report is a distillation of our research into the finance and property market, using data from our household surveys and other public data. Whilst we provide weekly updates via … Continue reading “The Property Imperative Volume 9 Report Released”
Mixed economic news this week, which makes the call on the next cash rate move more complex, but even at current levels, more households are getting crunched as wages tall, debt rises and property prices turn. Welcome to the Property Imperative weekly to 7th October 2017, the latest digest of finance and property news. Watch … Continue reading “Households Get Crushed – The Property Imperative Weekly 07 Oct 2017”
From Capital and Conflict. For a few months we’ve been following the story of Australia’s housing bubble with new interest. It’s the potential crisis on no European’s screen. Which is concerning given the level of funding which Europe supplies to some of the world’s largest banks Down Under. The issue in Australia is surprisingly similar … Continue reading “The black swan turns pale”