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.
Articles on Mortgage
Displaying 41 - 60 of 68 articles
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…
Heightened competition among home lenders has prompted the banking regulator to issue a reminder of what constitutes prudent lending, but its suggestion that loans being generated by mortgage brokers should…
Over 40% of mortgages in Australia are sold by mortgage brokers, not by their manufacturers - an issue that has the CEO of Australia’s fifth largest bank, Suncorp, arguing the sector is skewed towards…
Credit makes us and credit breaks us – ancient Roman debtors cut into pieces by their angry creditors under the law of the Twelve Tables knew it, as does ASIC, tasked with regulating the many mortgage…
The US has wasted its “sub-prime” mortgage crisis. The story of how and why this has happened is of interest not only for its own sake, but for the broader themes it reveals. I am a theoretically trained…
Top contributors
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Professor, Finance, UTS Business School, University of Technology Sydney
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Lecturer, Financial Planning and Tax, RMIT University
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Vice Chancellor's Fellow at Victoria University and Adjunct Professor of Economics, Victoria University
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Senior Lecturer, Finance and Financial Planning, Griffith University
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John Curtin Distinguished Professor, Curtin University
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Scientia Professor of Economics, UNSW
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Associate Professor in Finance, University of Sydney
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Senior Lecturer in Finance, University of Sydney
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Associate Professor in Property and Real Estate, Deakin University
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Professorial Fellow and Co-Director, HILDA Survey, Melbourne Institute of Applied Economic and Social Research, The University of Melbourne
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Associate Professor - Department of Accounting and Corporate Governance, Macquarie University
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Program Director, Housing and Economic Security, Grattan Institute
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MinterEllison Professor of Risk and Regulation, UNSW Law; Director, Centre for Law Markets and Regulation, UNSW Law, UNSW
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Honorary Professor of Geography, University of Cambridge
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Professor of Housing & Social Policy, HHAUS Housing, Homelessness & Urban Studies, Swinburne University of Technology