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Former RBA Governor's interest rate and mortgage cliff warnings

Former RBA Governor Ian Macfarlane says current serviceability buffer rules are making it difficult to refinance fixed-term loans, warning the government may need to step in if things get 'really nasty'.

Banks are punishing the most vulnerable

Interest rates are up again, with promises of more to come, but a major story is being glossed over in all the reporting. Large institutions have a feeding frenzy when people become vulnerable or get into trouble.

The return of shared equity mortgages

Shared equity mortgages, as a solution to Australia’s housing affordability problem, have been talked about for years, but it's been left to governments to develop initiatives in this area. This year, things changed.

Michael Witts: changes over the final 12 years of my career

After 40 years in the market, Michael Witts retired recently as Treasurer of ING Bank Australia, a position he held for 12 years. He reflects on changes over the years including in mortgages, regulations and funding.

A six-chart snapshot of June 2022 lending data

The Australian economy is undergoing crucial changes. The Reserve Bank's attempts to slow activity is feeding into lending volumes and loan rates but can authorities manage inflation without economic contraction?

Is it time for an Australian 30-year fixed rate mortgage?

The 30-year fixed rate mortgage is the backbone of the American housing market. Is this a better approach than Australia's obsession with either short-term fixed or just variable rate mortgages?

RBA signals the end of ultra-cheap money. Here’s what it will mean

The Melbourne Cup day RBA meeting confirms the cessation of the ‘yield control’ strategy that’s been in place since July. What might this signal for interest rates in the near term?

Hey boomer, first home buyers and all the fuss

What is APRA worried about? Most mortgagees can easily absorb increases in interest rates without posing a systemic threat to the banking system. Housing lending is a relatively risk-free activity for banks.

RBA switched rate priority on house prices versus jobs

RBA Governor, Philip Lowe, says that surging house prices are not as important as full employment, but a previous Governor, Glenn Stevens, had other priorities, putting the "elevated level of house prices" first.

It's coming: 10 ways to cool rampant housing prices

Enough abbreviations and acronyms. IMF, OECD, RBA, APRA, CFR, CBA and ANZ are all calling for curbs on housing lending to head off financial instability and mortgage stress. Why will it take APRA months to issue a paper?

Will the house price boom be a boon for Australian banks?

The record run in house prices looks unsustainable but the outlook for Australian banks is for improving credit growth and earnings. For house prices to rise, the supply of credit must match demand from borrowers.

Australian housing values reach a new record high

Only six months ago, the Reserve Bank was modelling the impact on banks if house prices fell 40%. It was called 'extreme by plausible'. Most economists expected a fall of at least 10%, yet here we are with record prices.

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Why the $5.4 trillion wealth transfer is a generational tragedy

The intergenerational wealth transfer, largely driven by a housing boom, exacerbates economic inequality, stifles productivity, and impedes social mobility. Solutions lie in addressing the housing problem, not taxing wealth.

The 2025 Australian Federal election – implications for investors

With an election due by 17 May, we are effectively in campaign mode with the Government announcing numerous spending promises since January and the Coalition often matching them. Here's what the election means for investors.

Finding the best income-yielding assets

With fixed term deposit rates declining and bank hybrids being phased out, what are the best options for investors seeking income? This goes through the choices, and the opportunities and risks involved.

What history reveals about market corrections and crashes

The S&P 500's recent correction raises concerns about a bear market. History shows corrections are driven by high rates, unemployment, or global shocks, and that there's reason for optimism for nervous investors today. 

Howard Marks: the investing game has changed

The famed investor says the rapid switch from globalisation to trade wars is the biggest upheaval in the investing environment since World War Two. And a new world requires a different investment approach.

Welcome to Firstlinks Edition 605 with weekend update

Trump's tariffs and China's retaliatory strike have sent the Nasdaq into a bear market with the S&P 500 not far behind. What are the implications for the economy and markets, and what should investors do now? 

  • 3 April 2025

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