Digital Finance Analytics (DFA) Blog
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Like it or now, Banks hold all the cards if a mortgage holder gets into financial stress. So what are the signs to look for, and how can we avoid getting trapped. I discuss this important issue with Robert Elftmann who has successfully negotiated numerous mortgage disputes with banks and in the best interest of … Continue reading “The Unequal Relationship Between Mortgage Holders And Their Banks…”
Like it or now, Banks hold all the cards if a mortgage holder gets into financial stress. So what are the signs to look for, and how can we avoid getting trapped. I discuss this important issue with Robert Elftmann who has successfully negotiated numerous mortgage disputes with banks and in the best interest of … Continue reading “The Unequal Relationship Between Mortgage Holders And Their Banks…”
Join us for a live discussion as I explore the data from our models to end December 2021, including post code level analysis of mortgage stress. We will have the post code engine on line, and you can ask as a question live.
This is an edited version of our latest live Q&A as I discuss the latest from our surveys and models, as we look at the latest mortgage stress and scenarios. You can ask a question live – down to a specific post code. Original live show here: https://youtu.be/CCIym9IPamk with chat replay. Go to the Walk … Continue reading “DFA Live Q&A: HD Replay Household Stress And Scenarios [Podcast]”
Join us for a live Q&A as I discuss the latest from our surveys and models, as we look at the latest mortgage stress and scenarios. You can ask a question live via YouTube chat – down to a specific post code. We will also look at the latest news, including the new HILDA report … Continue reading “FINAL REMINDER: DFA Live Today 8pm Sydney: Latest Household Stress And Scenarios”
We discuss the September 2021 DFA Household survey results. Many households remain in a difficult position, as cash-flows remain negative thanks to crushed incomes, rising costs and bigger mortgages (despite the lower available interest rates). We examine data at a state, segment and post code level, as well as geo-mapping which highlights the patchwork nature … Continue reading “Household Financial Stress Update To Sept 2021”
The latest data from our running household surveys reveal that overall levels of household financial stress – measured in available cash flow, continues to trouble many households. Mortgage stress stands at 41.33% of households or 1.53 million households. Overall financial stress (an aggregate of our stress metrics, weighted to all households) was highest at 45.4% … Continue reading “Financial Stress To June 2021”
The latest data from our household surveys for May revealed little change in mortgage stress among households – still at around 41%, but there was a shocking rise in rental stress as the JobSeeker and JobKeeper supports were withdrawn, and the random lock-downs continue. Even Property “experts” accept that affordability has deteriorated recently, as house … Continue reading “Why Household Financial Stress Remains High”
The latest data from our rolling household surveys reveals that the pressure on many households continues to build, despite the headline news of a booming recovery and jobs growth. Of course the missing element remains underemployment, where we still see many households struggling to get the income they need to cover their ongoing commitments. This … Continue reading “April Household Financial Stress Rises”
In our live Q&A I discuss the latest household stress and property scenarios and post code level analysis. https://walktheworld.com.au/ CONTENTS0:00 Start0:15 Introduction4:00 RBA Holds8:50 Will Rates Rise?09:40 Corporate Tax Raises?10:30 Local Economics18:20 March Mortgage Stress28:00 Stress Mapping32:55 Scenarios35:20 Post Code Tools Update37:30 Q&A1:28:00 Deposit Bonds1:28:30 Conclusions and Close Original version with live chat replay is … Continue reading “DFA Live Replay – Latest Household Stress And Scenarios [Podcast]”