It’s now common knowledge loans and gifts from family are a large part of breaking into the housing market. But how is parental financial support being used in other areas?
Academic rigor, journalistic flair
Articles on Home loans
Displaying 1 - 20 of 25 articles
An approach to building homes collectively, inspired by German baugruppen, has been adopted in Australia with positive results.
While authorities such as the Reserve Bank often see them as risky, interest-only loans can be helpful in some circumstances.
Banks typically do not want their customers to default on property and have processes in place to help reduce the risk of this happening.
The extraordinary increase in house prices and debt means mortgage rates of 7% would be as painful to borrowers today as rates of 17% were decades ago.
Depending on circumstances, it may be time to re-think the bias to paying down housing debt over wealth accumulation in super. At least to do the sums, so you can make an informed choice.
Young people might take on a lot of debt without considering its consequences for their older years. A philosopher makes a case for laws to limit that debt as a duty toward self.
New Zealand’s housing market is ill designed to create the surpluses that would force down values. Only the state can change that.
A change in South African law promises to protect defaulting home owners from abuse by unscrupulous operators who snap up people’s homes for a song.
In the US “liar loans” have been identified as one of the key reasons behind the 2008 financial crisis. But how big a problem are poor loan checking practices in Australia?
The government needs to learn from the mistakes in the US in sharing our credit history information to third parties.
Investor loans are on the increase again, causing pause for the regulators.
APRA has updated its guidance to lenders on concerns about the risks to financial stability from the housing market, but it should be focusing more on the banks, not hurting those with a mortgage.
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.
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…
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…
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…
One of the issues currently being considered by Australia’s Financial System Inquiry is the heavy exposure of Australian banks to the residential mortgage market. The exposure to domestic mortgages, which…
The days when Coles and Woolworths only sold groceries are long gone. Both are now established players in a broad range of consumer markets, with interests in liquor and hotels, fuel and convenience, general…
Top contributors
-
Professor, Finance, UTS Business School, University of Technology Sydney
-
Vice Chancellor's Fellow at Victoria University and Adjunct Professor of Economics, Victoria University
-
Professor of Economics, UNSW Sydney
-
Associate Professor, University of Pretoria
-
D.Phil. Candidate in Population Health, University of Oxford
-
Senior Lecturer in Banking and Finance, The University of Queensland
-
Emeritus Professor of Finance, The University of Melbourne
-
Director, Academic Quality, Te Kunenga ki Pūrehuroa – Massey University
-
Professor of Marketing and Consumer Behaviour, Queensland University of Technology
-
Professor of Law, Monash University
-
Lecturer of Economics and Finance Tasmanian School of Business & Economics, University of Tasmania
-
Visiting Fellow, Macquarie University Applied Finance Centre, Macquarie University
-
Associate Professor of Philosophy, Bates College
-
Senior Lecturer in Sociology, University of Newcastle
-
Program Director, Economic Policy, Grattan Institute
