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Articles sur Mortgage

Affichage de 21 à 40 de 58 articles

A real estate sold sign hangs in front of a west-end Toronto property. Canada’s newly announced housing strategy contains scant measures to help first-time buyers in pricey markets. THE CANADIAN PRESS/Graeme Roy

No help for would-be homeowners in Canada’s new housing strategy

Canada’s National Housing Strategy leaves a large segment of the population that must find a way to afford housing in the private market. More initiatives are needed to help first-time home buyers.
Financial illiteracy contributed to the last financial crisis. Shutterstock

Financial literacy is a public policy problem

It’s not just individuals who pay for low financial literacy. It also increases financial risks and holds back the economy.
Bank lending standards need to be more consistent to avoid borrowers shopping around to find the lender that offers them the highest loan amount. Paul Miller/AAP

Banks shouldn’t underestimate the risk of concentration in the housing market

It’s not likely the Australian appetite for property will change but this means we need to hedge our bets against any risks by improving diversification and the way banks finance mortgages.
With slow wages growth it is hard for household to “delever” themselves. Paul Miller/AAP

Vital Signs: the RBA was right to keep rates on hold

The amount of Australians in mortgage stress is the reason why wages growth and the labour market are such a problem - and a big reason for the RBA not to raise rates any time soon.
Slow but steady decline in home ownership continues as 23.6% of all Australian households now rent privately. David Gray/Reuters

Home ownership remains strong in Australia but it masks other problems: Census data

The latest 2016 Census data assesses what the national home ownership and rental rates are and how these vary location. It also gives us a picture of mortgage and rental costs.
Data from the Australian Prudential Regulation Authority (APRA) reveals the average balance on housing loans has barely trended upwards over the last five years. Tracey Nearmy/AAP

Three charts on mortgage stress: it isn’t as bad as you might think

When you look at the data (in three charts) on mortgage stress, the systemic risk of people not being able to repay their home loans appears small.
If consumers don’t like the way their mortgage brokers operates, they can shop around. Mick Tsikas/AAP

Mortgage brokers: ASIC goes fishing

The ASIC inquiry into how mortgage brokers are paid won’t do much to change an already competitive system.
Will home owners consider the non-bank sector as major banks increase lending rates? Reuters/David Gray

Rising mortgage rates - is it time to refinance your home loan?

Last week, Westpac hoisted its lending rate by 20 basis points in a bid to recover the costs of recent capital raisings. There is speculation other banks will follow. Australia’s non-bank lenders could…

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