Digital Finance Analytics (DFA) Blog
"Intelligent Insight"
In the final edition of the Property Imperative Weekly for 2017, we look ahead to 2018 and discuss the future trajectory of the property market, the shape of the mortgage industry, the evolution of banking and the likely state of household finances. Watch the video, or read the transcript. We start with the state of … Continue reading “The Shape of 2018 – The Property Imperative Weekly 30th Dec 2017”
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”
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”
There is a sleeping problem in the Australian Mortgage Industry, stemming from households who have interest-only mortgages, who will have a reset coming (typically after a 5-year or 10-year set period). This is important because now the banks have tightened their lending criteria, and some may find they cannot roll the loan on, on the … Continue reading “What To Do When The Interest-only Period On Your Home Loan Ends”
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 Banking Royal Commission is on, Housing credit is still growing strongly, and home prices in Sydney are slipping. So plenty to discuss in this week’s Property Imperative weekly to 2nd December 2017. Watch the video, or read the transcript. In this week’s review of finance and property news we start with the announced $75 … Continue reading “What The Royal Commission Means For Home Prices – The Property Imperative Weekly 2nd December 2017”
Home prices are more to do with sentiment that fundamental economics, and this week we saw new data, so are home prices on their way down? Welcome to the Property Imperative weekly to the 25 November 2017. Watch the video, or read the transcript. We start this week’s digest of finance and property news noting … Continue reading “How Far Are Home Prices Going Down? – The Property Imperative Weekly 25 Nov 2017”
The long comparative data series from the Bank for International Settlements provides a useful and well documented relative comparisons across countries and over time. They are careful to compare like with like! The data on household debt relative to GDP is one of the most significant – “Credit to Households and NPISHs from All sectors … Continue reading “Wallowing In Debt”
A really mixed bag of news this week, with stronger business and employment data, lower mortgage defaults and yet weak wage growth, and more evidence of the pressure on households. We pick over the coals and try to make sense of what’s going on. Welcome to the Property Imperative Weekly to 18 November 2017. Watch … Continue reading “Walking The Tightrope – The Property Imperative Weekly 18 Nov 2017”
The ABS has released their analysis of individual state accounts to Jun 2017. This includes an estimate of average gross household disposable income per capita. The variations across states are significant and interesting. Of note is the astronomical value, and trajectory of individuals in the ACT, relative to everywhere else. In addition, we see a … Continue reading “The ACT Is Another Country”