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Articles on mortgages

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A cabin is illuminated by firetruck lights as the Caldor Fire burns near Lake Tahoe in California on Aug. 31, 2021. Wally Skalij/Los Angeles Times via Getty Images

A new ratings industry is emerging to help homebuyers assess climate risks

Private companies rate all kinds of investments, from stocks to used cars. Now, they’re starting to analyze climate risks to local real estate – but how reliable are their findings?
Vanlifers enjoy the freedom of living in their vans. (Alex Guillaume/Unsplash)

Why some workers are opting to live in their vans

Understanding the experiences of van dwellers is important not just for those looking to cut their ties to rents and mortgages, but also for community planners and employers.
Increasing numbers of older Australians face a harder time paying the bills when they retire because they’ll still be paying off a mortgage or renting a home. Art_Photo/Shutterstock

Fall in ageing Australians’ home-ownership rates looms as seismic shock for housing policy

People over 65 who still have a mortgage or are renting are projected to double in number by 2031. The trend is likely to hit government budgets and leave more retirees in poverty.
The financial system is awash with money, which is why interest rates have been so low for so long. (Shutterstock)

How banks have set a trap for the U.S. Fed by creating money

It’s been 10 years since the U.S. signed into law a scheme to print money, essentially, and save the financial sector amid the sub-prime mortgage meltdown. Did it work? And who’s truly benefitted?
The Financial Services Royal Commission has exposed some irresponsible lending by Australia’s biggest banks. Glenn Hunt/AAP

We asked five experts: will the banking royal commission push down property prices?

The financial institutions fronting the Financial Services Royal Commission are also the ones controlling mortgages, so will an expose of their dealings push property prices down?
Lenders will soon have more data on your accounts and cash flow. Shutterstock

Why Australia needs a better system for credit scores

Australia’s credit reporting system is about to be updated, and new research shows it’s past due. The current system simply doesn’t provide either lenders or borrowers with enough information.
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.

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