While authorities such as the Reserve Bank often see them as risky, interest-only loans can be helpful in some circumstances.
Academic rigour, journalistic flair
Articles on Mortgage stress
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Banks typically do not want their customers to default on property and have processes in place to help reduce the risk of this happening.
As a former financial counsellor and former consumer credit educator for ASIC, here’s what I think you need to know if you’re considering mortgage deferral, rent relief or bankruptcy.
Housing is our first line of defence against coronavirus, so leaving someone homeless increases the risk for everyone. Australia should follow other countries in imposing a moratorium on evictions.
47% of Australians aged 55-64 have mortgage debt, up from 14% in 1990.
The odds of foreclosure double for families who send their kids off to college, according to two researchers who say their findings show a need for new ways for Americans pay for higher education.
Even though house prices have risen substantially over recent decades, housing affordability for those with mortgages or own their houses outright hasn’t worsened
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.
Fully half of Westpac’s loan book consists of interest-only loans, so why are the banks not more concerned about what could happen next?
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.
Research finds higher levels of housing debt among pre-retirees are linked to them working for longer.
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.
There’s been quite a bit of speculation over whether Australia has a property market bubble - where house prices are over-inflated compared to a benchmark - and when it might burst. According to housing…
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.
Top contributors
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Professor, Finance, UTS Business School, University of Technology Sydney
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ARC Future Fellow & Professor of Economics, Curtin University
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Emeritus Professor of Housing and Housing Studies, RMIT University
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Senior Lecturer, Research School of Economics, and Research Associate, Centre for Applied Macroeconomic Analysis, Australian National University
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Emeritus Professor of Housing Studies, Centre for Urban Transitions, Swinburne University of Technology
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Professor of Institutional Economics, RMIT University
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Head of Urbanism and Associate Professor of Urban Studies, School of Architecture, Design and Planning, University of Sydney
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Professor of Housing & Social Policy, Centre for Urban Transitions, Swinburne University of Technology
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Associate Professor in Property and Real Estate, Deakin University
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Associate Professor, Centre for Social Research and Methods, Director, Centre for Economic Policy Research (CEPR), Australian National University
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Professor of Economics, RMIT University
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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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Research Fellow, RMIT University
