A deepening recession risk will keep home ownership out of reach for many.
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Articles on Mortgages
Displaying 21 - 40 of 49 articles
Shariah law informs financial contracts and credit systems, and the growth of Islamic financing options provides an alternative to current debt-based banking systems.
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.
History indicates house prices are more likely to see a correction and prolonged stagnation, not a crash
Government moves to encourage longer and larger home loans won’t address housing affordability in the UK
The Fed raised interest rates the most in nearly three decades to fight stubborn inflation. A finance expert explains what’s happening, the risks and what it means for consumers.
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?
Failing to address skyrocketing housing prices risks the future of young Australians and the financial system.
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.
At the margin, more compulsory super will mean less equity in homes and more borrowing for homes. Australia already has one of the world’s highest household debt ratios.
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.
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 institutions fronting the Financial Services Royal Commission are also the ones controlling mortgages, so will an expose of their dealings push property prices down?
The collapse of an obscure corner of the financial market a decade ago foreshadowed the Great Recession. The stock-market swoon in February should offer a similar warning.
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.
Research shows the majority of consumers have low financial knowledge and experience, but they are also prone to behavioural biases that don’t help.
Rather than tinkering with the deduction, Republicans should get rid of it altogether and replace it with something that would actually help more Americans afford a home.
While the key economic signs remain strong, new data suggests many Australians are entering into mortgages without having fully grasped the financial consequences.
Research with call centre workers shows mis-selling is an entrenched and accepted feature of financial sales.
Top contributors
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Professor of Banking and Finance, Brunel University London
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Professor of Economics, UNSW Sydney
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ARC Future Fellow & Professor of Economics, Curtin University
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Professor of Real Estate, Heriot-Watt University
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Professor, Finance, UTS Business School, University of Technology Sydney
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Senior Lecturer in Finance, University of Sydney
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Senior Lecturer in Economics | Freelance Consultant, Sheffield Hallam University
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Associate Professor in Property and Real Estate, Deakin University
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Professorial Fellow, University of Canberra
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Mactaggart Chair in Land, Property & Urban Studies at the University of Glasgow, University of Glasgow
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Emeritus Professor of Housing and Housing Studies, RMIT University
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Professor of Banking & Applied Economics, University of Stirling
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Program Director, Economic Policy, Grattan Institute
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Research Fellow - Henry Halloran Trust, University of Sydney
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MinterEllison Professor of Risk and Regulation, UNSW Law; Director, Centre for Law Markets and Regulation, UNSW Law, UNSW Sydney
