The Definitive Guide To Our Latest Mortgage Stress Research

We have had an avalanche of requests for further information on our recent research which was published as a series of blog posts over the past couple of weeks. Here is a summary of the findings. In addition, here is a list of links to each segment, which together provides a comprehensive view of the … Continue reading “The Definitive Guide To Our Latest Mortgage Stress Research”

ABC News 24 Does Affluent Mortgage Stress

Here is a segment in which we discuss our latest research into the probability of default modelling in a rising interest rate environment.  We highlight the rise of the “Affluent Stressed” households. For those wanting to read more on our research, this is a link is to a list of all the recent analysis we … Continue reading “ABC News 24 Does Affluent Mortgage Stress”

The Full 100 Mortgage Stress Listing

To complete our series on mortgage stress, based on our household surveys, here is the complete list of the top 100 most stressed suburbs, and their relative position on the default list, as at December 2016. Victoria has the highest number of suburbs in the listing. As we discussed yesterday, this is based on the … Continue reading “The Full 100 Mortgage Stress Listing”

Fears rise as mortgage stress strikes bush, city

From The Australian. In Lamington, a country area of Western Australia covering mining towns such as Kalgoorlie, 2600 households are suffering “mortgage stress”. The pain is more severe in Harris­town in Queensland, about 130km west of Brisbane, where more than 4500 households are in difficulty. For the banks, more than 370 in these areas alone … Continue reading “Fears rise as mortgage stress strikes bush, city”

New DFA Video Blog – Household Mortgage Stress and Defaults

Using data from our household surveys in this new video blog we discuss the findings from our latest modelling. More than 22% of households are currently in mortgage stress, and 1.9% of households are likely to default. Both are likely to rise next year.  

Top 20 Postcodes For Mortgage Stress Across Australia

Now we get to the pointy end of our mortgage stress and default analysis. Today we list the top 20 post codes across Australia where the highest number of households currently in mortgage stress reside. We also reveal our estimate for the number of defaults which we expect to occur in the coming months. It … Continue reading “Top 20 Postcodes For Mortgage Stress Across Australia”

A Segmented View Of Mortgage Stress and Default

As we continue our series on mortgage stress, using the latest data from our surveys, we look at how stress aligns with our core household and property owning segments. To set the context for this, here are a couple of charts showing the mortgage distribution by income and age bands. The majority of mortgages are … Continue reading “A Segmented View Of Mortgage Stress and Default”

Mortgage Stress Covers 18.5% Of Book Value

Containing our latest series on mortgage stress and probability of default, we look further at the distribution of mortgage stress and potential defaults, using data from our household surveys, which includes results up to the middle of December 2016. Building on the data we discussed yesterday, it is worth remembering that the bulk of mortgages … Continue reading “Mortgage Stress Covers 18.5% Of Book Value”

Mortgage Stress And Probability Of Default Is Rising

We have just finished the December update of our mortgage stress and probability of default modelling for the Australian mortgage market. Our model has been updated to take account of the latest employment, wage, interest rate and growth data, and we look are the current distribution of mortgage stress (can households settle their mortgage repayments, … Continue reading “Mortgage Stress And Probability Of Default Is Rising”

The Top 10 Mortgage Stress Post Codes In The Hobart Region

We finish our series on mortgage stress by looking at TAS, and the region around Hobart. Using data from our surveys, 24.3% of households are currently in mortgage stress. This is above the national average of 21.3%. You can read about our methodology here. We assess individual household income and expenditure, and do not rely … Continue reading “The Top 10 Mortgage Stress Post Codes In The Hobart Region”