🔥The 9th Round of Easy Loan, Earn $40 Reward is in progress❗️ ⏰ Promotion Period: January 15th - Feburary 15th, 2025 👉 Register now and check more details at gate.io/campaigns/358

Rates on hold again… Calm before the storm? Read our take here: ausproperty.substack.com/p/rate-hikes-p… #RBA #interestrates #Ausprop

How to get rich - Australia edition

The Chinese 🏘️ bubble & the Aus property. How a slowing Chinese economy could impact Australian property prices: open.substack.com/pub/auspropert…

Very handy and superb chart showing house price growth rates in various Oz cities, especially useful are growth rates during specific time periods 42/x #ausbiz #housing #economy

Translation = I cant borrow at 2% anymore so don’t want to pay people high wages.

Net positive?

This is the only chart that matters

The pain in asset prices always com es after the hiking cycle ends. open.substack.com/pub/auspropert…

Is the property market reaching a point of exhaustion? What will more rate hikes do to prices? See our take here: open.substack.com/pub/auspropert…

With the rate hike today - rates are officially off this chart. - >30% less borrowing capacity for interest only borrowers. - >60% less borrowing capacity for those who already have debt. Without credit growth….

Actually the SINGLE BIGGEST obstacle to cheaper #housing is something far more boring: the RWA (risk weighted asset) ratio applied to domestic loans made by the big #banks. They’re v. low risk meaning banks are incentivised to lend HEAPS in that sector and improve their ROE. 1/2

It's been a while... A fair few commentators are calling for rate cuts in the second half of this year. Today - we explain why we think rate cuts are nowhere near happening just yet... open.substack.com/pub/auspropert…

Inflation data is no surprise… Pressure is on for rates to go higher, not lower.

Market now pricing in probability of an RBA hike, and has removed the notion of cuts this year...

open.substack.com/pub/auspropert…

Today, we check to see where the Australian property market fits on the ‘18-year real estate clock’… open.substack.com/pub/auspropert…

Will rate cuts bring with them higher property prices? Or will the sellers overwhelm any incremental increase in buyer demand? open.substack.com/pub/auspropert…

Why a rate cut wont trigger a run in home prices… open.substack.com/pub/auspropert…

afr.com/property/resid… We think its only going to get worse. More supply incoming… open.substack.com/pub/auspropert…

This happens in so many other ways. If the agent can sell your property to a developer who will develop 6 units + promise to resell them with the same agent… Will the agent get the best for their client OR will the agent try to get the developer a good deal?