Mortgage Trends

Will investor housing demand pick-up again?

by Cameron Kusher 07 Mar 2016

Will investor housing demand pick-up again?

Housing credit data released earlier this week from the Reserve Bank (RBA) showed a further slowdown in investor housing credit growth. This week we investigate the likelihood that this slowing continues.

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Housing rents have increased at a slower pace than home values over the past decade

by Cameron Kusher 22 Feb 2016

Housing rents have increased at a slower pace than  home values over the past decade

Following last week’s 10 year retrospective on capital city home value growth we undertake a comparison with the rental growth performance over the same period.

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Property prices double every decade?

by Cameron Kusher 15 Feb 2016

Property prices double every decade?

It is often commented that in Australia property values double every 10 (some say 7) years. This week we look at whether this has been the case over the past 10 years across the capital cities.

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Has growth in investor housing credit reached its apex?

by Cameron Kusher 07 Sep 2015

Has growth in investor housing credit reached its apex?

Following ongoing increases in the annual rate of growth since March 2013, investor housing credit has fallen in July, does this mark the start of the much vaunted slowdown in investor credit growth?

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The proportion of sales below $400,000 keeps falling

by Cameron Kusher 31 Aug 2015

The proportion of sales below $400,000 keeps falling

With home values rising across most capital cities, the proportion of home sales below $400,000 continues to trend lower making it harder for price-sensitive buyers to purchase into capital city markets.

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Where to from here for housing credit?

by Cameron Kusher 13 Jul 2015

Where to from here for housing credit?

The annual rate of growth in housing credit has started to stall over recent months and with the banks tightening their lending criteria where will it go from here?

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While housing and household debts keep climbing so too does asset values

by Cameron Kusher 06 Jul 2015

While housing and household debts keep climbing so too does asset values

On the back of low mortgage rates and rising home values the level of household and housing debt is continuing to increase.

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New record high reached for the value of investment loans

by Cameron Kusher 08 Jun 2015

New record high reached for the value of investment loans

The level of investment in the housing market has reached new heights over the past year however, it has been New South Wales where domestic investors continue to largely focus.

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Is this a house price boom? Time to recap on 2001, 2004 & today

by Cameron Kusher 01 Jun 2015

Is this a house price boom? Time to recap on 2001, 2004 & today

Although Sydney and Melbourne home values are recording strong levels of capital growth currently, the rate of growth is much slower than that recorded between the ‘boom’ period of 2001 and 2004.

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Australian mortgage holders sensitive to interest rate movements

by Cameron Kusher 11 May 2015

Australian mortgage holders sensitive to interest rate movements

According to data from the Reserve Bank the ratio of household debt to disposable income is 153.8% and the ratio of housing deb to disposable income is 140.3% both of which are record highs.

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Where are the affordable middle-ring suburbs?

by Cameron Kusher 04 May 2015

Where are the affordable middle-ring suburbs?

Following on from our look at the most affordable inner-city suburbs last week, this week we are highlighting the most affordable middle-ring suburbs across each city.

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Will lower mortgage rates reinvigorate the taper in dwelling turnover?

by Cameron Kusher 16 Mar 2015

Will lower mortgage rates reinvigorate the taper in dwelling turnover?

Based on CoreLogic RP Data’s estimates of residential sales transactions to December 2014, there were 471,932 dwelling sales nationally.

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Low rate mortgage rates reinvigorate housing market

by Cameron Kusher 09 Mar 2015

Low rate mortgage rates reinvigorate housing market

Early signs are emerging that lower mortgage rates are providing further stimulus to housing market conditions.

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More to capital growth than just low interest rates

by Cameron Kusher 02 Mar 2015

More to capital growth than just low interest rates

Mortgage rates have been moving lower since late 2011, however the stimulus is only driving dwelling values substantially higher in Sydney and Melbourne.

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First home buyers sink to record levels in August

by Cameron Kusher 17 Oct 2014

First home buyers sink to record levels in August

Both the number and proportion of first home buyers have reached record lows across the Australian housing market in August.

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Housing leverage hits a record high

by Cameron Kusher 10 Oct 2014

Housing leverage hits a record high

Based on data from the Reserve Bank, the ratio of household debt to disposable income and housing debt to disposable income has increased over the June 2014 quarter with housing debt now at a record high level.

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Leading indicators shows vendor leverage remains strong but has eased recently

by Cameron Kusher 03 Oct 2014

Leading indicators shows vendor leverage remains strong but has eased recently

The housing market is potentially moving through its peak with homes taking a bit longer to sell and vendors discounting their initial listing prices by a greater margin in order to sell a property.

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Time to start doing your homework

by Cameron Kusher 20 Jun 2014

Time to start doing your homework

The housing market is now two years into the growth cycle and showing signs of moving through peak growth. The value of diligent research and a carefully considered purchase decision is all the more important when values aren’t rising as fast.

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Forget affordability measures and ask yourself some tough questions

by Cameron Kusher 12 Jun 2014

Forget affordability measures and ask yourself some tough questions

The challenge now is how can you deliver affordable housing for younger Australian’s without bringing down the cost of existing housing which politically and economically would be detrimental to the overall health of the Australian economy.

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Lower going slower

by Cameron Kusher 17 May 2014

Lower going slower

Home values, particularly in Sydney and Melbourne, are growing at a rapid pace but as values rise affordability pressures are likely to see housing demand fall away.

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About CoreLogic

CoreLogic Australia is a wholly owned subsidiary of CoreLogic (NYSE: CLGX), which is the largest property data and analytics company in the world. CoreLogic provides property information, analytics and services across Australia, New Zealand and Asia, and recently expanded its service offering through the purchase of project activity and building cost information provider Cordell. With Australia’s most comprehensive property databases, the company’s combined data offering is derived from public, contributory and proprietary sources and includes over 4.4 billion decision points spanning over three decades of collection, providing detailed coverage of property and other encumbrances such as tenancy, location, hazard risk and related performance information.

With over 20,000 customers and 150,000 end users, CoreLogic is the leading provider of property data, analytics and related services to consumers, investors, real estate, mortgage, finance, banking, building services, insurance, developers, wealth management and government. CoreLogic delivers value to clients through unique data, analytics, workflow technology, advisory and geo spatial services. Clients rely on CoreLogic to help identify and manage growth opportunities, improve performance and mitigate risk. CoreLogic employs over 650 people across Australia and in New Zealand. For more information call 1300 734 318 or visit www.corelogic.com.au.

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