Digital Finance Analytics (DFA) Blog
"Intelligent Insight"
Digital Finance Analytics has released the January 2018 mortgage stress and default analysis update. Across Australia, more than 924,000 households are estimated to be now in mortgage stress (last month 921,000). This equates to 29.8% of households. In addition, more than 20,000 of these are in severe stress, down 4,000 from last month. In this … Continue reading “Mortgage Stress Still With Us In 2018”
Digital Finance Analytics has released the December mortgage stress and default analysis update. Across Australia, more than 921,000 households are estimated to be now in mortgage stress (last month 913,000). This equates to 29.7% of households. In addition, more than 24,000 of these in severe stress, up 3,000 from last month. We estimate that more … Continue reading “Households Under The Mortgage Stress Gun In December”
An interesting perspective via a press release from online broker FXB Trading. Whilst they are pushing their “hedge strategy” for Australian property, drawing parallels with the US crash of 2007; the key points they make are important and largely align with our view of the local property market. If they are right, recent price falls … Continue reading “Safe as Houses? Not if You Live in Australia”
Digital Finance Analytics has released the November mortgage stress and default analysis update. Across Australia, more than 913,000 households are estimated to be now in mortgage stress (last month 910,000) and more than 21,000 of these in severe stress, the same as last month. Stress is sitting on a high plateau. This equates to 29.4% … Continue reading “Mortgage Stress Continues On a High Plateau In November”
Digital Finance Analytics has released the October 2017 Mortgage Stress and Default Analysis update. Across Australia, more than 910,000 households are estimated to be now in mortgage stress (last month 905,000) and more than 21,000 of these in severe stress, up by 3,000 from last month. This equates to 29.2% of households. We see continued … Continue reading “October Mortgage Stress Higher Again – See The Top 10 Post Codes”
I had the chance to catch up with Martin McCann, the CEO and Co-Founder of Trade Ledger, the newly launched platform-as-a-service for business lenders and claimed as the world’s first open digital banking platform exclusively for business lending. The platform, they say, will help banks assess business lending risk in real time and will so … Continue reading “On The Digital Innovation Front Line”
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”
Mortgage stress rose again in September according to Digital Finance Analytics analysis, crossing the 900,000 household rubicon for the first time. The latest RBA data shows household debt to income rose again in June, to 193.7, further confirmation of Australia’s debt problem. Across the nation, more than 905,000 households are estimated to be now in … Continue reading “Top 10 Mortgage Stress Count Down – September 2017”
Digital Finance Analytics has released mortgage stress and default modelling for Australian mortgage borrowers, to end August 2017. Across the nation, more than 860,000 households are estimated to be now in mortgage stress (last month 820,000) with more than 20,000 of these in severe stress. This equates to 26.4% of households, up from 25.8% last … Continue reading “Mortgage Stress Still On The Up”
The German central bank has published the results of a survey of smaller financial institution across Germany, examining the impact of current low interest rates. Of note is their commentary on home loan lending. Bundesbank calculations show they are experiencing price hikes in major towns and cities of 15% to 30% above the level that … Continue reading “Risk In A Low Interest Rate Environment”