May 02, 2019

Market Essentials - May 2019

May 02, 2019/ LOANSCAPE/ Loanscape

In news this month, discussion continues to circulate about the upcoming election and the effect that policy changes could have on the property market. According to Nerida Conisbee, chief economist of REA Group, modelling by independent consultants and both sides of government predict negative gearing restrictions will cause continued falling prices while rents will rise.

It hasn’t been a good month for Sydney and Melbourne housing values, with CoreLogic data revealing median housing prices have dropped around $50K in each of the two capitals. However, Melbourne’s market overall does continue to hold up better than Sydney’s.

April 10, 2019

Market Essentials - April 2019

April 10, 2019/ LOANSCAPE/ Loanscape

In news this month, tighter credit conditions are still having a broad dampening effect on buyer activity. This isn’t just with investors, there has also been a considerable decline nationally in owner-occupier lending, according to CoreLogic.

consumers are displaying cautious attitudes towards the property market thanks to the upcoming federal election and potential changes to taxation policy.

March 23, 2019

Understanding fixed and variable interest rates

March 23, 2019/ LOANSCAPE/ Bruce Carr

Choosing which loan structure is best for you depends on your personal situation, possible changes in income or expenses, and your short term expectations with your property. Your overriding approach should be to understand that fixed interest rates are a risk management tool; they are not necessarily a way to save money. Do not try to second guess the interest rate market. My rule of thumb is that 80% of the time lenders will end up ahead on any fixed rate loan contract, simply because they understand money markets much better than their customers.

March 15, 2019

The financial baby bump

March 15, 2019/ LOANSCAPE/ Bruce Carr

An increase in the size of your family can be the catalyst for upgrading your living circumstances. But what issues do you need to consider before you prepare your loan application?

March 12, 2019

Market Essentials - March 2019

March 12, 2019/ LOANSCAPE/ Loanscape

In news this month, the demand for mortgages continues to weaken. Cameron Kusher of CoreLogic has speculated that if the fall in house prices is to be attenuated then we could see the RBA cut rates and APRA relax its tightening of lending conditions. Westpac’s chief economist Bill Evans is now predicting 2 rate cuts before the end of this year.

February 08, 2019

Market Essentials - February 2019

February 08, 2019/ LOANSCAPE/ Bruce Carr

As we start a new year, consumer confidence continues to decrease, with -4.7 per cent on the Melbourne Institute and Westpac Bank Consumer Sentiment Index.

Sep 17, 2024

Borrowing Capacity Index – August 2024

Loanscape has today released its Borrowing Capacity Index for Q4/2024. It confirms the forecast trend that borrowing capacities of Australian individuals and families are recovering from their low levels which coincided with the last of the recent increases to borrowing rates initiated by the Reserve Bank of Australia.

Jun 11, 2024

Borrowing Capacity Index – May 2024

Loanscape has today released its Borrowing Capacity Index for Q3/2024. It shows that the borrowing capacities of Australian individuals and families have started to recover after the sharp decline over the past 2 years. Lower income borrowers continue to be disproportionately impacted by interest rate increases: the family income required to qualify for the average size loan in Australia is 37% higher than 2 years ago.

Mar 10, 2024

Borrowing Capacity Index – February 2024

Loanscape has today released its Borrowing Capacity Index for Q2/2024. It shows that the borrowing capacities of Australian individuals and families have stabilised after the sharp decline over the past 2 years. Lower income borrowers continue to be disproportionately impacted by interest rate increases: the family income required to qualify for the average size loan in Australia is 35% higher than 2 years ago.

Mar 8, 2024

Market Essentials - March 2024

Combined dwelling values have re-accelerated across the nation in February, with all mainland capitals soaring in value. It probably comes as no surprise that Perth claimed the top spot by gaining a whopping 1.8% for the month

Dec 8, 2023

Borrowing Capacity Index – November 2023

Loanscape has today released its Borrowing Capacity Index for Q1/2024. It shows that the borrowing capacities of Australian individuals and families continue to decline. The more modest decline in the size of average loans being taken confirms that lower income borrowers are being disproportionately impacted by interest rate hikes: the family income required to qualify for the average loan in Australia is now 32% higher than 18 months ago.

Nov 19, 2023

Market Essentials – November 2023

The end of the year is fast approaching, with most capitals experiencing a strong recovery on dwelling values from the downturn that culminated at the start of 2023.

The recovery is mainly due to an influx of immigration and constricted supply, which the Government is trying to remedy with its ambitious goal of building 1.2 million homes by 2029 through HAFF.

Finance and Property News and Commentary

Market Essentials - May 2019

Market Essentials - April 2019

Understanding fixed and variable interest rates

The financial baby bump

Market Essentials - March 2019

Market Essentials - February 2019

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