Housing Affordability Part 2
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Property investors who purchased "off the plan" in 2014 or 2015 may run into serious problems completing their purchases when construction finishes later this year.
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End of the Boom?
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Latest Residex Property Market Report for NSW shows that prices have peaked. We summarise what's in store for the coming year.
Read MoreHousing Affordability Part 1
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Which way for property prices this year? This is driven in part by housing affordability. But what do we mean by affordability and how do we best measure it? To my mind there are several ways of looking at housing affordability:
House prices versus average incomes
Proportion of household income needed to purchase an average property
Average weekly rent versus average incomes
Each of these methodologies tells a different story.
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First 2nd Tier Bank Comes Up For Air
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Today, one of the institutions that we could most liken to a community bank has seen fit to raise its interest rates in response to recent chnages announced by the big banks. We look into the reasons behind this decision and its potential impact on the home loan market.
Read MoreThe Second Domino Falls
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Another major lender announces an across the board interest rate increase for existing home loan customers - coincidentally to take effect on the same day as Westpac's signalled rate cut in November.
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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.