Search Results for: property
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Is loan book growth stabilising?
Stuart Jackson
June 4, 2018
The statistical release of APRA and the RBA’s credit growth data for April shows a stabilisation in the rate of overall mortgage, personal and business loan book growth at 5 per cent across the overall Australian market. By category, mortgage book growth continued to slow, increasing 6 per cent year over year, while business loan book growth improved a little to 4.4 per cent. Continue…
by Stuart Jackson Posted in Financial Services.
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Thinking about an Autonomous Future
Tim Kelley
May 30, 2018
Autonomous vehicles and the evolution of Transport as a Service (TaaS) are topics that we have spent a significant amount of time thinking (and writing) about in the past year or so. We see these developments as having a profound impact in many industries and have begun to remove from our portfolios businesses that we see as being on the wrong side of them. Continue…
by Tim Kelley Posted in Technology & Telecommunications.
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Wesfarmers’ UK debacle shows the risks of acquisition-based growth
Stuart Jackson
May 28, 2018
In 2016, Wesfarmers (ASX:WES) raised the eyebrows of many investors when it expanded into the UK and Ireland hardware business. Two years later and $1.7 billion down on its investment, WES has decided to pull out. It shows yet again why growth through acquisition can be a risky strategy. Continue…
by Stuart Jackson Posted in Companies.
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Why aren’t we cracking down on foreign money laundering in Aussie real estate?
Andreas Lundberg
May 17, 2018
In December, the OECD pointed to serious weaknesses in Federal Government efforts to guard against the laundering of corruptly obtained money through Australian real estate. And it made me wonder: why is the Federal Government not doing more to require those involved in real estate transactions to report their suspicions? Continue…
by Andreas Lundberg Posted in Property.
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Let’s take a look at the banks’ results
Stuart Jackson
May 15, 2018
In the midst of the Royal Commission into Misconduct in Financial Services, the major banks have released their latest half yearly results. The market headed into the reporting period with a high degree of apprehension given the public backlash emanating from the revelations coming from testimony at the Royal Commission to date. Continue…
by Stuart Jackson Posted in Companies, Financial Services.
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Which businesses could lose out if migrant numbers are cut?
Andreas Lundberg
May 10, 2018
The national debate over immigration policy has been heating up for some time. Clogged roads, crowded trains and buses, and surging house prices are just some of the issues being blamed on our increased migrant intake. So, which businesses would be impacted if the government tightens the tap? Continue…
by Andreas Lundberg Posted in Market commentary.
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Four months can be a long time in the share market
David Buckland
April 19, 2018
“While the outlook for Blue Sky is easy to articulate, the execution is always more challenging…Our business is well placed to meet the inevitable challenges that lie ahead” quoted the 2017 Annual Report. Continue…
by David Buckland Posted in Companies, Financial Services.
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Could the housing market be hit by tighter lending standards?
Andreas Lundberg
April 18, 2018
The Royal Commission into the Australian financial sector seems to be taking a dim view of the way lenders assess the expenditure of loan applicants. It’s possible it will recommend that banks check the actual level of spending of each applicant. This could have big ramifications. Continue…
by Andreas Lundberg Posted in Editor's Pick, Financial Services.
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How alarmed should we be about rising levels of debt?
David Buckland
April 13, 2018
According to the Institute of International Finance (IIF), global debt hit US$237 trillion in the December 2017 Quarter, over 310 per cent of GDP of US$76 trillion. Global debt levels are at record highs in dollar terms and in relation to GDP. Continue…
by David Buckland Posted in Market commentary.
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Why the banks are cutting mortgage rates
Stuart Jackson
March 26, 2018
After raising standard variable rates on interest only and investment property mortgages in 2016 and 2017, the big banks have recently unwound some of these increases. This has surprised some observers. So, what’s going on? Continue…
by Stuart Jackson Posted in Editor's Pick, Financial Services.
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Poll Results: Where will the best returns come from?
Roger Montgomery
March 20, 2018
Our recent poll asked readers where they thought the best returns would come from in the next 12 months. Continue…
by Roger Montgomery Posted in Insightful Insights.
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Avo-Update
Scott Shuttleworth
March 7, 2018
Well it’s that time again – an update to our lengthy commentary on avocado brekkies and the property market. How did the Smashed Avocado index track towards the end of 2017? Continue…
by Scott Shuttleworth Posted in Property.
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High-risk loans are about to get more expensive
Stuart Jackson
March 2, 2018
Australia’s financial regulator, APRA, is looking to increase the number of mortgage categories that are to be penalised with an increase in regulatory capital by the banks. The higher capital requirements on these categories is likely to see riskier loans get more expensive. Continue…
by Stuart Jackson Posted in Financial Services.
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How worried should we be about higher home loan rates?
Scott Shuttleworth
February 22, 2018
Around $60 billion of interest-only loans are due to reset over the next four years. According to the Reserve Bank, that could create wider problems if the economy turns down.
Continue…by Scott Shuttleworth Posted in Financial Services.
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How bad is Australia’s mortgage stress?
Stuart Jackson
February 14, 2018
The level of household financial stress in Australia is a key issue. This is because a significant pull-back in the financial position of households would have flow-on effects across the economy. So, the recent data released by the nation’s largest lenders provides an important reading of future trends. Continue…
by Stuart Jackson Posted in Editor's Pick, Financial Services.
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Why we’re still cautious on retail stocks
Andreas Lundberg
February 14, 2018
With household costs going up, and the wage index comping down, it’s little wonder Australians are finding it harder to save. If this trend continues, it spells leaner times for Australian businesses exposed to consumer spending. Continue…
by Andreas Lundberg Posted in Consumer discretionary.
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Make market corrections your ally
Roger Montgomery
February 12, 2018
Recent experience excepted, corrections are typically more frequent and regular than many would prefer, so investing should not occur without acceptance of this. That said, it’s important to prepare, first by making the right investments, and secondly by adopting the right temperament. Continue…
by Roger Montgomery Posted in Investing Education.
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Will the ‘everything bubble’ pop this year?
Roger Montgomery
February 12, 2018
As a new year begins, market predictions are coming in thick and fast. Significantly, in recent days, the views of some of the giants in the industry are echoing those we hold and have shared with our readers. If we are right, then investors will need to be rather more nimble than usual this year. Continue…
by Roger Montgomery Posted in Market commentary.
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Brisbane’s apartment pains could trigger nationwide contagion
Roger Montgomery
February 1, 2018
I’ve been warning that new apartments are being oversupplied by developers, and sold to unsuspecting investors who think interest rates will never go up and property prices can never go down. Recent trends have only confirmed my fears.
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by Roger Montgomery Posted in Property.
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Why growing household debt makes us concerned
Stuart Jackson
January 29, 2018
Latest figures show Australia’s household debt and gearing keep on rising, with the ratio of household debt to disposable income now at record levels. The recent rise has been largely due to the loan book growth of smaller institutions and non-traditional lenders, often to higher-risk borrowers. This is a worrying development. Continue…
by Stuart Jackson Posted in Financial Services.
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