Mortgages

ALTERNATIVE LABELS
Home loans
NARROWER TERMS
Discussion paper

Generation stressed: house prices and the cost of living in the 21st Century

This discussion paper explores how the affordability of home ownership has changed between generations over the last half century. It shows that the common framing of mortgage affordability places far too much emphasis on short-term interest rates, and far too little on inflation and wage...
Report

Green mortgages: Financial incentives to design and build high-performance homes

This research forms part of BRANZ’s Exceeding the Minimum Programme. It considers how the New Zealand banking sector can lead the way in financing mortgages and home loan packages that consider building integrated features in high performance homes.
Report

Mortgage stress and precarious home ownership: implications for older Australians

This research investigated the growing numbers of middle-aged and older Australians who are carrying mortgage debt into retirement and paying off higher levels of debt relative to house values and income. Between 1987 and 2015, mortgage debt among older mortgagors increased by 600% (from $27,000...
Discussion paper

The effect of mortgage debt on consumer spending: evidence from household-level data

This paper explores the relationship between owner-occupier mortgage debt and spending using detailed panel data on Australian households. It finds evidence consistent with a ‘debt overhang effect’ – households cut back on their spending when they have higher levels of outstanding mortgage debt.
Guide

Creating an energy efficient mortgage for Europe: the supporting role of the green building sector

This guide from the World Green Building Council’s (WorldGBC’s) Europe network and EeMAP's partner E.ON sets out how they believe the sectors and stakeholders involved in delivering green buildings should support the growth of energy efficient mortgages.
Commentary

Vital signs. It’s one thing to back down on Hayne’s recommendation about mortgage brokers, it’s another to offer nothing in its place

Josh Frydenberg wants to leave mortgage broker commissions unchanged for three years. It's hard to see why.
Report

Residential mortgage price inquiry: final report

The opaque and discretionary pricing of residential mortgages by banks makes it difficult and time consuming for borrowers to shop around and stifles price competition, this report by the ACCC has found.
Report

Creating an energy efficient mortgage for Europe. Towards a new market standard

Greening our buildings is at the heart of our ght against climate change. Greener, more energy efficient buildings can also help to reduce the exposure to risk for property owners and the banks that nance them. Energy efficient mortgages can therefore be a powerful tool...
Report

Pathways to housing tax reform

This research is the final report of the AHURI inquiry into ‘Pathways to Housing Tax Reform in Australia.’ It features real-world modelling and implementation time frames to steer tax settings that progress the efficiency, equity and sustainability of housing tax policy, and also presents meaningful...
Thesis

An agent-based model of the housing market: steps toward a computational tool for policy analysis

This thesis develops a beta version of a new agent-based model of the Danish housing market, which is well suited to throw light on a range of aspects concerning business cycles and macro-prudential regulation. In particular, the model is employed to analyze the effects of...