It’s not just individuals who pay for low financial literacy. It also increases financial risks and holds back the economy.
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Articles on Mortgage
Displaying 21 - 40 of 53 articles
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.
HILDA survey results show home ownership among young people is declining, as mortgage debt almost doubles for the same age group.
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.
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.
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.
Declining interest rates has made housing more affordable over the past thirty years, but it has also increased the risk for homebuyers.
New analysis shows low-income earners, particularly in Tasmania and South Australia, face the most mortgage stress.
The ASIC inquiry into how mortgage brokers are paid won’t do much to change an already competitive system.
Is Top Cat trying to tap into our inner huckster and charlatan, or is something else going on in Halifax’s new ad campaign?
The Hollywood flick recalls subprime’s role in the 2008 financial crisis, but, by helping more low-income households buy a home, the loans can help ease the affordability crisis and homelessness.
China plans to create a credit reporting system that ranks people on trustworthiness using a all kinds of data, from finances to Facebook. Sound far-fetched? It’s happening in the US too.
The loans that plunged the world into financial chaos a decade ago are beginning to appear again. Just how scared should you be?
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…
The budget contained some major housing reforms, but the chancellor had no answer to the sector’s number-one problem.
I co-teach a freshman seminar at the University of Texas called “Debt: the Good, Bad and Ugly” that examines the different ways consumers borrow and spend. Do they reflect wise investments in the future…
First home buyers looking to break into the housing market are turning to their parents, but it’s not a risk-free proposition for either party.
It’s clear mortgage standards have gotten too tight when even a former Federal Reserve chairman who makes as much as US$250,000 per speech cannot refinance his home. Ben Bernanke complained about his inability…
The latest house price index figures released by RP Data earlier this week show a year-on-year increase in property values in Sydney of 14.3%. This has sparked the current hot debate on property prices…
Australia’s central bank has formally flagged the use of macroprudential tools to address what it called “unbalanced” lending in its most recent Financial Stability Review. Loan-to-valuation ratio (LVR…
Top contributors
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Professor, Finance, UTS Business School, University of Technology Sydney
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Vice Chancellor's Fellow at Victoria University and Adjunct Professor of Economics, Victoria University
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Professor of Economics, UNSW Sydney
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Senior Lecturer in Finance, University of Sydney
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Senior Lecturer, Griffith University
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Adjunct Professor, Swinburne University of Technology
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Professor of Urban and Regional Planning, University of Sydney
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Emeritus Professor of Housing Studies, Centre for Urban Transitions, Swinburne University of Technology
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PhD Candidate, Swinburne University of Technology
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Honorary Professor of Geography, University of Cambridge
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Professor of Housing & Social Policy, Centre for Urban Transitions, Swinburne University of Technology
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Associate Professor - Department of Accounting and Corporate Governance, Macquarie University
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Professor of Economics and National Senior Teaching Fellow, Griffith University
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Professor of Corporate Law & Head UNE Law School, University of New England
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Emeritus Professor, University of Sydney
