Australians Ramp up Mortgage Repayments

Are Australians spending their savings from lower consumption and early super withdrawals on online shopping…

read more

Subscribe

If you want to receive updates and insights on current news and events, simply fill in your details below:

September, 2020

Axing Responsible Lending Laws: What You Need to Know

The Australian Government is planning to roll back responsible lending laws in an effort to…

September, 2020

Beware the Rising Zombie Firms

The number of ‘zombie’ small and medium-sized enterprises (SMEs) in Australia is growing as more…

August, 2020

Millennials’ Housing Woes: It’s Not About Avocado Toast

We all know young Australians’ struggle to get a foot in the housing market. But…

August, 2020

The Housing Market Isn’t Crashing, but Outlook Remains Weak

Back in April, predictions for Australia’s housing market were dire. Home prices were expected to…

August, 2020

COVID-19 Crisis Increases Housing Pains

Housing stress is not new to Australians, but the COVID-19 pandemic has made it more…

July, 2020

COVID-19 Now the Top Cause of Stress and Anxiety Among Small Business Owners

Problems with finances, employee issues and long working hours are usually the biggest worries weighing…

July, 2020

Falling Population Growth Could Hurt Demand for Housing

For decades, overseas migrants and international students have propelled a property boom in major Australian…

June, 2020

Why Falling Prices Won’t Really Make Housing Affordable

With home prices predicted to dive by as much as 32%, will a pandemic-induced property…

May, 2020

As Americans Snap up Australian Property, Are Chinese Buyers Gone for Good?

Not so long ago, mainland Chinese buyers helped drive Australia’s last property boom. Their investment…

May, 2020

Preparing for Employees’ Return? Get Ready for the New Normal

So much has changed these past few months, including the way we work and do…

April, 2020

5 Tips to Weather the Downturn and Stay Resilient

If you’re a business owner, you’re likely to be feeling a lot of pressure right…

April, 2020

The Pandemic and the Housing Market

We’ve now started counting the staggering economic cost of the coronavirus shutdown. Two-thirds of Australian…

March, 2020

Surviving a Pandemic: Where to Get Financial Support

These are tough times for many Australian businesses. But none have felt the brunt of…

March, 2020

Managing During a Pandemic: Make Working From Home Work

As coronavirus (COVID-19) spreads, encouraging employees to work remotely seems like a sensible thing to…

February, 2020

Businesses Start Feeling Economic Fallout From Coronavirus

Still reeling from the impact of the bushfires, many Australian businesses now face the fallout…

February, 2020

How Bushfires Could Create A Mortgage Headache

As if its impact on life and property weren’t bad enough, the bushfire crisis is…

January, 2020

Five Things Homebuyers Should Know About the New Deposit Scheme

The Federal Government’s First Home Loan Deposit Scheme has kicked off, promising first‑time buyers a…

December, 2019

Is 2020 a Boom Year for the Housing Market?

A year ago, Australian housing prices were mostly in freefall. Economists predicted them to dive…

November, 2019

Bank Credit Remains Elusive

Interest rates have hit historic lows and home prices are bouncing back. But housing credit…

November, 2019

What’s Behind The Rebound In Home Prices?

Housing prices are rising again. In October, national home values rose 1.2%, the largest monthly…

October, 2019

Older Australians Face Debt And Distress

More older Australians are carrying the heavy burden of mortgage debt into retirement, causing them…

October, 2019

Mortgage Debt Is Drag On Economy

Australia has one the world’s highest levels of household debt, and research shows that adults…

September, 2019

Use Your Banking Data to Your Advantage

Open banking is here, having kicked off its first stage on 1 July 2019. But…

September, 2019

Time To Worry About Rising Mortgage Arrears?

The number of Australians behind in their mortgage repayments is higher than it has been…

August, 2019

Tech is Now the Fastest Route to Riches

Australian property developers seem to be surviving the housing slump quite well. According to The…

August, 2019

More Rate Cuts Are Coming, But Are They Effective?

Australia’s official cash rate is now down to 1%. And if we are to believe…

July, 2019

A Quick But Expensive Fix?

The Coalition Government promised before the federal election to help first homebuyers get into the…

July, 2019

SMEs Eschew Bank Lending

Small and medium-sized enterprises (SMEs) are turning to non-bank lenders as funding through banks becomes…

June, 2019

Population And Supply Dynamics Drive Home Prices Down

Tightening credit supply has been largely blamed for the slowdown in Australia’s housing market. Adding…

June, 2019

Building Affordable Housing Near Jobs Could Boost Income

Workers typically earn more when they live closer to where the jobs are. But years…

May, 2019

What’s It Like To Live With Debt?

An extraordinary number of Australians are feeling financially stressed and struggling under the weight of…

May, 2019

Will The Housing Market Bottom Out Soon?

Now that the federal election is over and the Labor Party’s planned changes to negative…

April, 2019

Mining Moguls Lead Forbes’ List of Australia’s Richest

The mining sector’s fortunes continue to keep several Australians in the upper rungs of the…

April, 2019

Chinese Buyers Cushion The Blow Of Housing Slump

Chinese buyers’ interest in Australian property weakened in 2018 but has now rebounded, giving a…

March, 2019

The Credit Noose Tightens

Almost a year after the end of the first banking royal commission hearings, the risk…

March, 2019

Funding Scarcity Leaves Small Business Owners On Edge

Many small business owners are worrying about their company around the clock as accessing finance…

February, 2019

Is Airbnb A Problem For Housing Markets?

Do short-term letting platforms like Airbnb really drive up rents? The answer probably depends on…

February, 2019

The Economy Is Fine, But There’s A Drag

The Australian economy is headed for another strong year – GDP growth is expected to…

January, 2019

Australia Is Most Vulnerable To Slowdown From Household Debt Reduction

Australia faces the biggest risk of a downturn due to household debt reduction among major…

January, 2019

Chinese Investment Slumps Amid Investor Apprehension

Chinese investment in Australia fell 40% to $8.9 billion in 2017 as the Chinese government…

December, 2018

Population Boom Shows Little Impact On Commuting Times

Is Australia’s population growth increasing commute times in our major cities? Is traffic congestion spiralling…

November, 2018

Australian SME’s Face Risk as Home Values Decline

Australia’s housing market downturn is starting to affect small and medium-sized enterprises (SME’s). The common…

October, 2018

Global Housing Boom Nears End

Housing prices in the world’s most sought-after cities are slowing down after years of record…

October, 2018

Slowing Investor Activity Hits Demand for Housing Loans

Demand for housing loans continues to weaken as investors have been forced to pull back…

September, 2018

Banks Withdraw from SMSF Property Lending

Westpac and its subsidiaries Bank of Melbourne, St.George Bank and Bank SA have announced they…

September, 2018

Mortgage Rates Go Up As Funding Costs Surge

Mortgage interest rates are going up as lenders struggle to absorb their rising funding costs,…

August, 2018

Tighter Credit Conditions Drive Home Values Down

Australia’s home values fell for the ninth consecutive month in June and are forecast to…

August, 2018

Property Magnates Lead 2018 Rich List

The property boom has once again propelled developers to The Australian Financial Review 2018 Rich…

July, 2018

End of Foreign Buyer Boom Adds to Property Woes

The foreign buyer boom is over, and we may not witness a repeat of the…

June, 2018

Mortgage Broker Remuneration Model Faces Drastic Changes

Mortgage brokers may see major changes to their pay model as pressure to limit their…

June, 2018

Should Australian Small Businesses Sell to China?

Large Australian businesses in industries such as mining and agriculture have benefited enormously from China’s…

May, 2018

APRA Scraps Investor Loan Cap, But More Curbs Are Coming

The Australian Prudential Regulation Authority (APRA) is relaxing the reins on investor property lending as…

May, 2018

SMEs Are Confident, But Labour Is Hard To Find

If your small to medium-sized enterprise (SME) has performed solidly in recent years and you…

April, 2018

Housing Market A Bigger Headache Than Ever For Small Businesses

Many small business owners use their homes as collateral when applying for a small business…

April, 2018

Has Debt Reached Worrying Levels?

Levels of indebtedness are on the rise, driven by growing mortgages. But are they a…

March, 2018

More Of The World’s Rich Call Australia Home

Australia remains high on the list of desirable places to live for high net worth…

March, 2018

Connecting The Dots In A Low-Yield World

When interest rates are low and meaningful returns are hard to find, speculators tend to…

February, 2018

Households Are Shutting Down Their Spending

Investment bank Credit Suisse reckons Australians are cutting back their spending and increasing their savings,…

February, 2018

Investment Insights from the Census

The data trickling out of the 2016 Census has given us some investment insights. Let’s…

January, 2018

House Prices Dominate Again

The cost of housing is again likely to dominate the domestic economy in 2018, but…

January, 2018

RBA Searches For The ‘New Normal’

The Reserve Bank of Australia (RBA) is casting around for clues on how to deal…

December, 2017

What’s The Deal With Bitcoin?

In 2010, one Bitcoin was worth less than one hundredth of an Australian cent. Each Bitcoin is…

December, 2017

Victoria is Snapping at NSW’s Heels

State economies appear to be in good shape with all states recording above decade average…

November, 2017

Business Confidence is Up, But Not Investment

Business conditions are generally pretty good in Australia at the moment and the number of…

November, 2017

RBA’s Rosy Outlook May Be Holding Us Back

The chief monetary guardian, the Reserve Bank of Australia (RBA), is also the 800-pound gorilla…

October, 2017

Double The Danger In Housing Crunch

The investing mantra has always been diversify, diversify, diversify! In essence, it means that if…

September, 2017

You Can Now Buy Property With Bitcoin

Cryptocurrencies have promised much but delivered few real-world benefits – until now. In fact, it’s…

September, 2017

Australia’s A Great Place To Park Money

The expansion of the global marketplace is bringing investors to Australia’s door as political uncertainty…

September, 2017

The Perils Of Jawboning

Jawboning, or trying to influence markets through pointed commentary, is one of the weapons financial…

August, 2017

Tipping Point Theory Has Merit

Predicting the end of the housing boom is one of the most popular games in…

August, 2017

State Governments Do Well Out Of Property Investment

The big winners of the ongoing property boom are the state governments. In NSW alone,…

July, 2017

APRA Will Be Able To Target Property Hotspots

An item in the Federal Budget that hasn’t received much coverage is the plan to…

July, 2017

The Reality of Living in the Lucky Country

When Donald Horne coined the phrase ‘the lucky country’ in 1964, he was being sardonic,…

June, 2017

Foreign Buyers Are Leaving The Property Market

The housing market is facing less pressure from foreign investors, with buyer numbers more than…

June, 2017

Supply is the Real Housing Issue

Pricking Australia’s housing bubble will take more than isolated tinkering with lending rates and jawboning…

May, 2017

Housing Features Strongly in Bank-Bashing Budget

“This levy’s in. It’s staying. It’s a fair and reasonable tax on the banks.” That’s…

May, 2017

Another Rate Cut May Be The Reality

There’s one fact that may mean an increase in official interest rates is not on…

April, 2017

The World’s Richest Like Australia

Sydney ranks 10th on a list of the world’s most expensive cities for luxury residences,…

April, 2017

More Good News Than Bad

Despite all the blustering and gnashing of teeth about the new US President, optimism about…

March, 2017

APRA Keeps Its Finger On The Trigger

The Australian Prudential Regulation Authority (APRA) is getting trigger-happy about housing investment. APRA Chairman Wayne…

March, 2017

Losing Our AAA Credit Rating May Not Be Bad

Apparently, it’s not a matter of if Australia loses its coveted AAA credit rating, so…

February, 2017

Plenty Of Heat In The Property Market

The mortgage lending market is showing no signs of cooling, data released by the Australian…

February, 2017

The Trouble with Low Interest Rates

Low interest rates are meant to stimulate the economy, which in turn is meant to…

January, 2017

States of Inequality

The Reserve Bank of Australia (RBA) has tacitly recognised how tough the world is getting…

December, 2016

Interest Rate Nightmare

’Twas the night before Christmas and all was silent ’cept the murmuring of central bankers…

December, 2016

Buyers on the Hunt in Two Markets

Buying confidence in two of the most downtrodden markets has jumped, with new research showing…

November, 2016

Borrowers Are the Wrong Targets

The financial services regulator, the Australian Prudential Regulation Authority (APRA), recognises there is a problem…

November, 2016

Sydney Office Rents Headed Higher

Sydney office rentals are set to soar, according to the Knight Frank Global Cities 2017…

October, 2016

Location Dictates Property Resale Losses

Perth and Darwin are the top places to claim tax loses on property, but several…

October, 2016

More Than Glue And String

The release of the latest GDP figures gives us a good excuse to look at…

September, 2016

Are We Ready For The Next Shock?

We need some fresh thinking to protect us from the next economic shock. The Reserve…

September, 2016

Sydney’s CBD Gets Some New Owners

Sydney’s CBD is steadily falling into foreign hands. Independent global property consultancy Knight Frank’s latest…

August, 2016

Record Unit Construction Raises Warning Flags

Are more units being built than the market can handle? This month’s revelation by the…

August, 2016

Services sector adds heat to the office market

The office market is running hot in some cities . . . The services sector…

July, 2016

Change How You Think About Bankruptcy

Cutting the time spent in the naughty corner is not enough… No one likes the…

July, 2016

Investors Head For The Brexit, But Property May Gain

Any event that causes uncertainty and possible loss of money results in a ‘flight to…

June, 2016

What if the Interest Rate Lever Doesn’t Work?

The world is awash with debt and we’re running out of solutions…   Interest rates…

June, 2016

Time To Rethink Your Funding

More pressure on banks may make it harder for businesses to get loans… The best…

May, 2016

People V Property – The Herd Is On The Move

  Real estate prices are easing and that’s causing some concern… “If enough people think…

April, 2016

Residential Land Costs Keep Rising

The high cost of housing in the capital cities remains a political hot potato and…

March, 2016

Brisbane The Place To Invest

Brisbane the place to invest The property market is cooling and sellers no longer have…

March, 2016

Solutions For A Budget ‘Emergency’

Apparently we had a Federal Budget ‘emergency’ in 2014.  Crisis was the narrative, and politicians…

February, 2016

Property Hotspots Start Cooling

The long-expected cooling of the property markets appears to be under way, with values falling,…

Big 4 Banks

February, 2016

The Banks Are Hurting And You Will Pay

The big four banks have suddenly found that money is getting more expensive and their…

January, 2016

The Warning Signs In Capex

When you look for signs of economic growth, there are a lot of signals to…

January, 2016

The World In 2016

“The future ain’t what it used to be,” said Yogi Berra, and if the unpredicted…

December, 2015

Facing Up To The End Of Easy Money

Part 3 of the series on Australia’s looming debt danger In the first part of…

December, 2015

The Chronicles of Debt

The Chronicles of Debt It is close to ten years since America’s housing bubble burst….

November, 2015

Why Your Debt Is Our Concern

Part 2 of our series on Australia’s looming debt danger. Australian mortgage holders are under…

November, 2015

Here’s Why You Won’t Get A Pay Rise

Part 1 of a three-part series on Australia’s looming debt danger It’s no surprise to…

October, 2015

A Brief History Of Rate Rises Tightening Pains

Global economists and investors are not only worried about when the US Federal Reserve will…

October, 2015

Housing Boom Shows Signs Of Easing

The housing boom is likely to start deflating over the next 12 months, the latest…

September, 2015

Is Australia Heading Into A Recession?

Nobel Prize-winning economist Paul Krugman has warned that Australia may be heading into a recession. “There’s…

September, 2015

APRA Moves Make Property Finance Harder

The Australian Prudential Regulation Authority (APRA) has made some big moves to ensure the safety…

August, 2015

US Interest Rise May Hit Australian Home Loan Rates

The era of easy money is drawing to a close as financial markets prepare for…

July, 2015

NSW Tops Economic Ranking

Property prices have been powering the news cycle of late as they start to reach…

June, 2015

Australian Commercial Property Round-Up

As the Sydney and Melbourne residential property markets continue to power on the back of…

May, 2015

Defaults In China – What Impact On Australia?

Something significant happened in China on April 20th – Kaisa, a Shenzen-based property developer, finally…

April, 2015

Know Your Market: Sydney Hot, Others Not

Headlines concerning soaring property prices in Sydney are now almost a daily occurrence. However all…

April, 2015

Much Ado About Commodity Prices

The mining boom has masked Australia’s weakening budget fundamentals. With windfall revenues from mining taxes,…

March, 2015

US – It’s Not All Roses Isn’t It?

The GFC has spawned a new norm of sub-trend growth. In the US, growth is…

February, 2015

Housing Un-Affordability? Blame The Foreigners

After many months of feverish discussion about the drivers of the Australian property market, Federal…

February, 2015

How Far Can You Inflate A Bubble Without It Bursting

The Reserve Bank of Australia (RBA) is in a bind. Meagre growth, lacklustre jobs figures…

December, 2014

Back To The Future – The Year Ahead In 2015

From the US producing more oil than Saudi Arabia, China becoming the World’s largest economy…

December, 2014

Rba On Hold (Again), Australia Does Nothing (Again)

The RBA has left the cash rate on hold – again. Considering the nosedive in…

October, 2014

Goodbye Negative Gearing

Predictions of a housing market bubble have run rampant this year. Fingers have been pointed…

September, 2014

Australia’s In Front: Household Debt To Income

Australian household debt to income reached a historic level of 177% in April of this…

September, 2014

Australian Residential Property Market Update: Is It The End?

Australian residential property market update: Is it the end? Introduction It looks like the Australian…

August, 2014

Murray’s Misdiagnosis: Analysis Of The Interim Report Of The Financial System Inquiry

Murray’s Misdiagnosis: Analysis of the Interim Report of the Financial System Inquiry Reading through the…

August, 2014

Mixed Signals And Responses: The Current State Of The Australian Economy

The RBA’s decision to leave the official cash rate at 2.5 % marks the 10th…

July, 2014

The Changing Structure Of The Australian Economy

Whichever way you look at it, Australia has come to a crossroads. With the near…

July, 2014

China, Australia: What Lies Ahead?

China, Australia: What Lies Ahead? It was good news in the beginning of June when…

June, 2014

Australian Residential Property Market Update

Australian Residential Property Market Update The activity in the Australian residential property market has captivated…

June, 2014

Update On The Australia Residential Property Market

There is no doubt the residential property market is red hot. The latest data from…

April, 2014

QE and Ultra Low Interest Rates: What Happens When It Ends?

QE and Ultra Low Interest Rates: What Happens When It Ends? After five years of…

April, 2014

Commercial Property Update

The latest data on the commercial property market is out. RPData shows quarterly sales increasing…

March, 2014

An Update On the Australian Economy: Looking Forward

By virtue of good management or good luck, Australia had a comfortable ride through the…

March, 2014

Residential Property Market Update: Australia Vs The World

The GFC caused major chaos for housing markets around the world and spurred downward spirals…

February, 2014

Commercial Property Markets Looking Up In 2014

Commercial Property Markets Looking Up In 2014 Australian economic growth was below trend in 2013….

February, 2014

Hot or Not? The Australian housing market

Hot or Not? The Australian housing market The newspapers tell us that the residential real…

January, 2014

Assessing the future of the Lucky country

Assessing the future of the Lucky country Australia is often described as the lucky country. …

January, 2014

Boom or Bubble? The Australian housing market

Boom or Bubble?  The Australian housing market In 2008 University of Western Sydney Economist Steve…

December, 2013

Is Deflation Inevitable In The EU?

Is Deflation Inevitable In The EU? The European Union looks set on a path to…

December, 2013

The State Of The Nation – Q3 2013

Today we look at the latest data released by the RBA and ABS to 30…

November, 2013

Teetering on the edge: will America plunge into deflation?

  Teetering on the edge: will America plunge into deflation? There is no prize for…

November, 2013

How will Australia grow?

How will Australia grow? Important data released about the Chinese economy in June of this…

October, 2013

Chinese Bulls Vs Bears

Chinese Bulls Vs Bears There are two main schools of thought amongst global economists on…

October, 2013

Has the Australian compulsory superannuation policy failed?

Has the Australian compulsory superannuation policy failed? Twenty-one years ago, Labor Prime Minister Paul Keating…

September, 2013

Australia Exposed to Slowing Economies

Australia Exposed to Slowing Economies In 2009 Kevin Rudd announced that Australia had avoided the…

September, 2013

Why Is Everyone Rushing Into Bonds Again?

Why Is Everyone Rushing Into Bonds Again? In February the financial press was alight with…

August, 2013

Where To From Here For Home Values?

Where To From Here For Home Values? According to the RP Data-Rismark Home Value Index…

August, 2013

Macro Update – Q2 2013

Macro Update – Q2 2013 If there was one word describe Q2 2013, it would…

July, 2013

The High Cost of Building in Australia

The  High Cost of Building in Australia The cost of construction in Australia is amongst…

July, 2013

Wild Ride for ASX200

Wild Ride for ASX200 At the beginning of May, with the end of the 2013…

June, 2013

2013 Federal Budget – Facts Without the Political Fiction

2013 Federal Budget – Facts Without the Political Fiction On Tuesday night Treasurer Wayne Swan…

June, 2013

Three Aussies in the Top 10

Three Aussies in the Top 10 Sydney, Melbourne and Brisbane have all made the global…

May, 2013

Household Debt Rises in Line with super funds

Australians have been making compulsory superannuation contributions under the Superannuation Guarantee (SG) scheme since 1992….

May, 2013

Cyprus: The Tail Wagging the European Dog

Cyprus: The Tail Wagging the European Dog Bank closures and account forfeitures in Cyprus have…

April, 2013

High Aussie Dollar Here To Stay

The AUD reached parity with the USD for the first time in recent history in…

April, 2013

Winners, Losers And The Impact Of Immigration On The Housing Market

Winners, Losers And The Impact Of Immigration On The Housing Market RP Data recently released…

March, 2013

The US Sequester

The US Sequester The Australian financial press has recently been filled with articles on the…

March, 2013

Ratings Agencies Highlighted But Downgraded

Ratings Agencies Highlighted But Downgraded After many decades of relative public obscurity, ratings agencies have…

February, 2013

Outlook for Interest Rates in 2013

Outlook for Interest Rates in 2013 The RBA’s decision to cut rates in December was…

February, 2013

Australian Inflation: Behind The Headlines

Australian Inflation: Behind The Headlines Headline inflation in Australia is currently sitting comfortably within the…

January, 2013

Global Debt: Australia vs The World

Global Debt: Australia vs The World Global debt levels are at all time highs.  Governments,…

January, 2013

Australia’s Housing Affordability Crisis

Australia’s Housing Affordability Crisis According to the 8th Demographia International Housing Affordability Survey Australia still…

December, 2012

The Fiscal Cliff: Fact Or Fiction?

If you look at most of the available media coverage, it would appear that the…

December, 2012

Queensland Property Values Likely To Stall

Despite the general expectation that we will see modest recoveries in housing starts, mining and…

November, 2012

Recession A Mounting Threat As Government Moves With Diminishing Resources

Monetary policy makers looking to protect Australia’s 21 consecutive years of recession-free economic growth have…

November, 2012

Federal Reserve’s Qe Unlimited: To Infinity & Beyond!

In recent years central banks around the world have played increasingly active roles in directing…

October, 2012

Commercial Property Markets – Is The Recovery Coming?

With the world economy being viewed at something of an inflection point, and widespread disagreements…

October, 2012

October Macro Update: Data Down, Stocks Up

Stock Markets around the globe ended the September quarter in positive territory, as supportive central…

September, 2012

Macro Update: Weak Investor Sentiment Leads To New Strategy Proposals From Property Developers

Recent declines in the retail environment and the market’s constant focus on European financial instability…

September, 2012

Macro Update: Markets Post Gains In August As Central Banks Suggest Stimulus Possibilities

The month of August ended on a positive note with investor sentiment encouraged by the…

August, 2012

Sydney Now Amongst Top Three Most Expensive Shopping Districts

Recent data has shown that the Sydney shopping district has become the third most expensive…

July, 2012

Global Economic Overview: Central Banks Move To Calm Market Volatility

Global stock markets are consolidating near their lows for the year as investor sentiment looks…

July, 2012

Southern Australian Property Developers Look For Opportunities In Adelaide’s Central Business District

Property developers in southern Australia are using the current mining boom to look for for…

June, 2012

Macro Update: Greek Elections Fail To Install Market Optimism; Chinese Trade Figures Rise In May

Equity markets saw a modest rise after projection polling in Greece showed that pro-bailout parties…

June, 2012

Housing Prices Fall To Six-Year Low In May

Housing prices in Australia have fallen to their lowest levels in six years, according to…