Digital Finance Analytics (DFA) Blog
"Intelligent Insight"
The Senate will review the regulatory environment surrounding payday lenders and consumer leasing businesses and also buy now, pay later schemes such as Afterpay. The scope will likely also include debt negotiation firms and credit repair agencies, who offer “services” which are unregulated and often costly. Given the high and rising levels of household debt … Continue reading “Yet Another Inquiry Into Payday Lending And Beyond”
From Australian Broker. More mortgage holders have little or no equity in their homes compared to a year ago, putting them at risk if they have to sell. Research from Roy Morgan says the current figure of 8.9% has risen from 8% twelve months ago and could continue to rise if house prices keep falling. … Continue reading “Falling Equity Is Hitting Home”
Welcome to the Property Imperative weekly to 13th October 2018, our digest of the latest finance and property news with a distinctively Australian flavour. This week saw major ructions on the financial markets, which may be just a short-term issue, or a signal of more disruption ahead. And locally, the latest data reveals a slowing … Continue reading “Property Prices – They Are Afallin’ – The Property Imperative Weekly 13 October 2018”
We have completed the latest round of our 52,000 household surveys, and today we discuss the results relating to property buying intentions by extracting the data from our Core Market Model. It was this data six months back which enabled us to predict the currently observed slowdown in sales, auction clearances and home prices. … Continue reading “Decoding Property Buying Intentions – “You Ain’t Seen Nothing Yet””
Welcome to the Property Imperative weekly to 22nd September 2018, our digest of the latest finance and property news with a distinctively Australian flavour. Watch the video, listen to the podcast, or read the transcript. scrollings=”no” The 60 Minutes segment which aired last Sunday put the cat among the pigeons. I made a … Continue reading “Making The News – The Property Imperative Weekly 22 September 2018”
RBA Assistant Governor, Financial System, Michele Bullock discussed household debt in a recent speech. She concludes that “Household debt in Australia has risen substantially relative to income over the past few decades and is now at a high level relative to international peers. This raises potential vulnerabilities in both bank and household balance sheets. While … Continue reading “The RBA On The Evolution of Household Sector Risks”
Welcome to the Property Imperative weekly to 8th September 2018, our digest of the latest finance and property news with a distinctively Australian flavour. And by the way, if you value the content we produce please do consider joining our Patreon programme, where you can support our ability to continue to make great content. Watch … Continue reading “Reaping The Whirlwind – The Property Imperative Weekly 08 Sept 2018”
It’s being described as a “mortgage mirage”. It’s an offer from the bank that looks too good to be true and, as it turns out, for many it is; via ABC. “About 40 per cent of people who tried to refinance were unable to do so,” Digital Finance Analytics principal Martin North said. “If you … Continue reading “RN Does The Refinance Problem”
Most would accept that house prices in the major Australian centres are too high. Whether you use a measure of price to income, loan value to income, or price to GDP; they are all above long term trends and higher than in most other countries. Indeed, in Sydney and Melbourne, they are arguably more than … Continue reading “Who Really Benefits From High Home Prices? – UPDATED”
Welcome to the Property Imperative weekly to 11th August 2018, our digest of the latest finance and property news with a distinctively Australian flavour. Another week, more data, so let’s dive straight in. And by the way, if you value the content we produce please do consider joining our Patreon programme, where you can support … Continue reading “Let The Games Begin – The Property Imperative Weekly 11 August 2018”