Digital Finance Analytics (DFA) Blog
"Intelligent Insight"
Lenders are facing a dilemma, do they chase mortgage lending growth, and embed more risks into their portfolios, or accept the consequences of lower growth and returns as household debt explodes and we join the 200% Club! Welcome to the Property Imperative weekly to 20 January 2018. We offer two versions of the update, the … Continue reading “The 200% Club – The Property Imperative Weekly – 20th Jan 2018”
The Australian Financial Review featured some of our recent research on the problem of refinancing interest only loans (IO). Many IO loan holders simply assume they can roll their loan on the same terms when it comes up for periodic review. Many will get a nasty surprise thanks to now tighter lending standards, and higher … Continue reading “Will Your Interest Only Loan Get Refinanced?”
The game is up. Major changes are rippling through the property market, with continued pressure on many households, so we examine the latest data. Welcome to the Property Imperative weekly to 13 January 2018. Watch the video or read the transcript. In this week’s review of the latest finance and property news, we start with … Continue reading “The Game Is Up – The Property Imperative Weekly 13 Jan 2018”
In This Week’s Edition of the Property Imperative we look back over 2017, the year in which the property market turned, focus on the risks to households increased, and banks came under the spotlight as never before. Welcome the penultimate edition of our weekly property and finance digest for 2017. We start with the latest … Continue reading “A Year In A Week – The Property Imperative 23 Dec 2017”
This week, it’s all about momentum – home prices are sliding, auctions clearance rates are slipping, mortgage standards are tightening and brokers are proposing to lift their business practices – welcome to the Property Imperative Weekly, to 16 December 2017. Watch the video, or read the transcript. In this week’s edition we start with home … Continue reading “Its All About Momentum – The Property Imperative Weekly 16 Dec 2017”
RBA Governor Philip Lowe spoke at the 2017 Australian Payment Summit and explored some of the disruption in the payments system, including falling cash transactions, an eAUD, electronic bank notes and distributed ledger systems. He also said that a convincing case for issuing Australian dollars on the blockchain for use with limited private systems has … Continue reading “Digital Disruption And The AU$”
First Time Buyers are keeping the property ship afloat for now, but what are the consequences? Welcome to the Property Imperative weekly to 9th December 2017. Watch the video, or read the transcript. In our weekly digest of property and finance news, we start this week with the latest housing lending finance from the ABS. … Continue reading “First Time Buyers Keep The Property Market Afloat – The Property Imperative Weekly – 9th Dec 2017”
The Reserve Bank NZ has announced a slight reduction in tight loan to value lending controls, in response to the slowing housing sector and Government policy. The loan-to-value ratio (LVR) policy was first introduced in October 2013, with progressively tighter restrictions for investors introduced in November 2015 and October 2016. New Zealand’s financial system remains … Continue reading “Reserve Bank NZ to ease LVR restrictions”
This time, in our occasional series where we feature Australian Fintechs, we caught up with Anthony Baum, Founder & CEO of Tic:Toc. Whilst there are any number of players in the market who may claim they have an online application process for home loans, the truth is, under the hood, there are still many manual … Continue reading “Fintech Spotlight – Tic:Toc:The 22 Minute Home Loan”
Interesting consultation from the Treasury of the impact of digital migration of consumer bills, and the emerging trend to charge for a paper version, which may adversely be impacting those unable or unwilling to go digital. They suggest 1.2 million households are digitally excluded. NBN Co forecasts that 94 per cent of households will have … Continue reading “Should You Pay For A Paper Bill?”