Credit Policy Changes That Matter More Than Headline Rates
14 September 2026
Exodus of Australian Landlords Driving Up Rents The Australian rental market is facing a crisis, as a growing number of landlords are selling their properties or taking them off the market altogether. This is due to a number of factors, including fear of government rent control, rising property taxes, and the increasing popularity of holiday […]
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After months of decline, housing loan commitments in Australia have finally started to increase. This is due to a number of factors, including optimism in the housing market, interest rates on hold last month, fear of missing out (FOMO), with the rhetoric of increased immigration and lack of house starts. Optimism in the Housing Market […]
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James Foster| Macro View| 7 November 2019 http://jamesfostermacro.blogspot.com/2019/11/upswing-in-australian-housing-finance.html The upswing in Australian housing finance owner-occupier approvals continued at pace in September rising by a sharp 3.6% on the month. On aggregate, the value of lending commitments is now expanding in annual terms for the first time in nearly 2 years. Today’s report was further confirmation of […]
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Reserve Bank analysis shows that more Australians are getting a better deal on their home loans, despite banks being under fire for not passing on interest rates in full. That is because lenders are forced to respond to increased competition. It also shows “very few” borrowers actually pay the Standard Variable Mortgage Rate (SVR), with […]
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Tens of thousands of aspiring homeowners are likely to miss out on a new government scheme that would allow them to purchase a home with a 5 per cent deposit. The new First Home Loan Deposit Scheme, should help first home buyers enter the property market sooner, by providing 10,000 eligible Australians per year access […]
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Charbel Kadib| Mortgage Business| 3 September 2019 https://www.mortgagebusiness.com.au/breaking-news/13765-credit-curbs-in-sight-as-housing-rebound-accelerates Regulators could consider a fresh round of macro-prudential measures to keep debt levels at bay, according to one analyst, amid the growing possibility of a “V-shaped” recovery in the housing market. Property research firm CoreLogic has released its latest Hedonic Home Value Index, reporting a 0.8 per […]
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Elizabeth Knight| Sydney Morning Herald| 5 September 2019 https://www.smh.com.au/business/banking-and-finance/the-sleeper-issue-that-could-be-a-nightmare-for-banks-20190904-p52nxm.html?fbclid=IwAR1-l_n0GX76pGccwj4CkS-ahEmlWJVW8UmPsIccXUXHk0FrqSPMRa6V2DQ The application of the proposed ‘best interest duty’ for mortgage brokers could be the sleeper issue that raises the bar on bank competition, and eats away at the established dominance of the big four. The application of this test would require mortgage brokers to ensure their […]
[...]Pete Wargent BlogSpot| 13 September 2019 https://petewargent.blogspot.com/2019/09/whats-happening-with-lending-standards.html A bit of interesting chit-chat on the Twitter today concerning whether mortgage lending standards are looser, or tighter…or neither of the above. On the one hand, the minimum assessment rate for mortgages was lifted, and replaced by a minimum 250 basis points buffer as I looked at previously here (while […]
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The property market is cooling – primarily due to rising mortgage rates. However, many businesses can thrive in this environment. When rates are going up, just turning up at your local bank for a mortgage and expecting to get a loan is not going to cut the mustard. And this has proven to the case […]
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Elizabeth Redman| 30 May 2022| Domain Australia house prices: After the property boom, what is a normal real estate market? (smh.com.au) The property market has weakened since last autumn’s boom, but with plenty of competition around for the most outstanding homes, agents say it has turned into a more normal market. So what is a […]
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Kate Burke| Domain| 20 June 2022 Australia house prices: The property type defying the downturn, for now (smh.com.au) Property prices for cheaper homes are holding up the best in Sydney and Melbourne’s cooling markets, while affordable homes are seeing the strongest growth in most other cities. Less expensive properties outperformed their pricier counterparts over the […]
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https://thenewdaily.com.au/finance/property/2022/02/09/banks-house-prices/ Matthew Elmas| The New Daily| 9 February 2022 There has been a big change in the outlook for house prices in the past week – two of Australia’s major banks are now predicting the biggest crash in decades. After two years of rapidly rising prices, most home owners have gained more wealth from their […]
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https://www.pexa.com.au/news/australias-property-market-hits-688-billion-in-sales-up-57-in-12-months PEXA News Release| 9 February 2022 The Australian property market has proven its strength as the backbone of the nation’s economy during the global COVID-19 pandemic, with the national aggregate value of property sale settlements growing a massive 57% from 2020, with Australians spending more than $688 billion on property in 2021. The Property and […]
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Tawar Razaghi| Domain| 10 November 2021 https://www.domain.com.au/news/clearance-rates-drop-as-more-homes-hit-the-market-potentially-tipping-in-buyers-favour-1102611/?utm_campaign=strap-masthead&utm_source=smh&utm_medium=link&utm_content=pos5&ref=pos1 The property market’s high tide could slowly be turning, agents say, as more homes hit the market, stricter stress tests on borrowing kick in, the RBA signals rate hikes earlier than expected and the end of lockdowns mean potential buyers are booking overseas holidays rather than shopping for […]
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