Digital Finance Analytics (DFA) Blog
"Intelligent Insight"
I discuss the latest from New Zealand with property expert Joe Wilkes, and we look at changes to capital gains, negative gearing and other factors which may impact the market. Some interesting comparisons with the UK and Australian markets too!
Welcome to the Property Imperative weekly to the 23rd of February 2019 – 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. The gap between the real data on housing and finance and the narrative offered by the … Continue reading “Reality on The Blink Again – The Property Imperative Weekly 23 Feb 2019”
This is starting to look serious as the latest DFA household financial confidence index results for January 2019 reveals a further decline in levels of confidence. The index fell to 87 in January, down from 87.3 in December, the lowest its been since the survey commenced, well below the neutral setting of 100. By way … Continue reading “Household Financial Confidence Tanks Again (But Are Investors Back?)”
Today we discuss how banks lend, and why the idea that bank deposits limit bank lending is plain wrong and helps to explain why home prices have exploded in recent years. The correlation between home prices and credit availability are clear to see. We have updated this chart to take account of 2018 data. As … Continue reading “The Art Of Credit Creation”
Welcome to the Property Imperative weekly to the nineteenth January 2019, our digest of the latest finance and property news with a distinctively Australian flavour. Watch the video, or read the transcript. Or listen to the Podcast Financial markets are now on an up-trip as we predicted, and the latest results from the US … Continue reading “Everything Is Turning Sunny – For Now – The Property Imperative Weekly 19 Jan 2019”
An insolvency firm is warning brokers that small business owners looking for finance are becoming more and more likely to break the law, via Australian Broker. The group, Jirsch Sutherland, said with the property downturn and possible negative gearing changes, directors need to be protected by Safe Harbour regulations. Alongside uncertainty in the residential property … Continue reading “Warnings to SMEs seeking finance”
Following on from our mortgage stress report for December 2018, which we released yesterday, we complete our monthly data series with the release of the December Household Financial Confidence Index, our gauge of how households are feeling about their financial situation. The overall index fell again in December to an all-time low of 87.3 (which … Continue reading “Household Finances Are Shot”
Welcome to the Property Imperative weekly to the fifteenth of December 2018, our digest of the latest finance and property news with a distinctively Australian flavour. Financial markets have remained weak through December, and its prompting the question, is this more than just volatility – are we seeing falls turn into something more significant … Continue reading “When A Grind Down Turns Into A Rout – The Property Imperative Weekly 15 Dec 2018”
Welcome to the Property Imperative weekly to the eighth of December 2018, our digest of the latest finance and property news with a distinctively Australian flavour. The financial markets continue to spin lower, as the property sector here weakens, and the RBA confirms it is quite willing to cut the cash rate if needs be, … Continue reading “Are We There Yet? – The Property Imperative Weekly 08 Dec 2018”
Top forecaster Shayne Oliver believes there is still plenty of room for property prices to head south as homes weaken to GFC levels; via InvestorDaily. Australian capital city dwelling prices fell another 0.9 per cent in November marking 14 months of consecutive price declines since prices peaked in September last year. This has left prices … Continue reading “AMP betting on 20% fall in property prices”