Mortgages

Report

11 Dec 2018

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

18 Sep 2018

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

5 Jul 2018

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,...

Report

15 Mar 2018

The opaque pricing of discounts offered on residential mortgage rates makes it difficult for customers to make informed choices and disadvantages borrowers who do not regularly review their choice of lender, this report by the ACCC has found.

Report

AHURI Final Report 282
8 Jun 2017

This research investigated the relationship between increasing housing prices (or housing wealth) and the increased consumption expenditure of households from before the GFC and afterwards.

Report

AHURI Final Report 280
15 May 2017

This study investigated the relationships between housing, housing markets and the labour market.

Report

3 May 2017

This study has found that borrowing into older age is likely to move from niche to mainstream within the next decade. The report reveals that current economic trends such as house price inflation, tighter credit conditions and low real wage growth mean we can expect...

Report

2 Mar 2017

This research examined various possible links between housing related variables and employment, such as:

housing assistance (such as rent assistance or social housing) can blunt incentive to work and depress employment rates soaring real house prices have inflated housing wealth levels, especially for older...

Discussion paper

16 Oct 2015

This Positioning Paper outlines the research questions and methodology for an AHURI research study which utilises HILDA panel data and instrumental variable econometric techniques to interrogate the relationship between housing prices, household debt and labour supply in Australia. It provides preliminary evidence of important differences...

Thesis

2 Sep 2015

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...

Report

30 Mar 2015

Overview: A new research paper from The Australia Institute reveals that home ownership rates in Australia are falling across all age groups, most significantly for people in their 50’s. Middle income earners are experiencing the sharpest decline in ownership rates.

Housing affordability issues...

Working paper

31 Mar 2014

This study analyzes systematic and non-systematic credit risk in mortgage portfolios given US loan-level information by controlling for time-varying observable information in relation to the borrower, the collateral and the macro economy. The total risk in relation to rating class default rates is decomposed into...

Working paper

30 Mar 2014

The Global Financial Crisis exposed nancial institutions to severe unexpected losses in relation to mortgage securitizations and derivatives. This paper nds that risk models such as ratings are exposed to a large degree of systematic risk and parameter uncertainty. An out-of-sample forecasting exercise of the...

Report

16 Aug 2010

This report examines the experience of mortgage distress in Western Sydney and mortgage holders' coping strategies.

While not claiming to be a representative sample of mortgagors in distress, the report reveals much about the circumstances contributing to mortgage distress and its considerable impacts on...

Report

22 Jul 2010

Mortgage default has long term impacts on the financial wellbeing of households including bankruptcy, drawing on superannuation savings, and high levels of debt even after the sale of the house.

Better access by borrowers to financial advice and mortgage relief assistance, as well as...

Report

10 May 2010

If reverse mortgage products are to be accessed to enable ageing in place by supplementing the housing and care support needs of older homeowners, greater guidance and support is required for the most frail and vulnerable.

This report argues that there is a need...

Report

31 Mar 2010

This speech looks at the history of the mortgage market to provide a context for the current state of the market and a basis for thinking about how the market might evolve.

Report

29 Mar 2010

This is the second and final report on the problem of mortgage default in Australia. An earlier positioning paper (Berry et al., 2009) presented, in detail, a range of issues, views, evidence and potential policy directions concerning this subject. Both reports are to be read...

Discussion paper

8 Oct 2009

The project seeks to determine the factors influencing the take up of reverse mortgage products and services within the context of overall demand.

This research project focuses on provision of a comprehensive appraisal of reverse mortgages as they pertain to ‘ageing in place’ and...

Conference paper

30 Jun 2009

Markets for domestic housing in countries like England differ from other markets because the stock is fixed in the short term, buyers need to raise mortgages to finance their purchases and prices tend to be set through intermediaries (‘estate agents’ or realtors). We introduce an...

Overview

 

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