Digital Finance Analytics (DFA) Blog

The current Senate inquiry into Australian Post branch representation and strategy needs to hear from regional communities across the nation, who have been or who may be impacted by the prospective closure or repurposing of outlets to parcel points only. We need your help to lobby Senators to ensure they reach our to our communities … Continue reading "NOW Is The Time To Act To Save Our Post...

This is our weekly market update, where we start in the US cross to Europe and Asia and end in Australia, covering commodities and crypto along the way. When I start my day, the first three things I check are the market price of diesel, the yield on the 10-year US Treasury and the status … Continue reading "The Markets’ Three Cup Pea Trick… Spot The Problem!"

Over recent years I have been tracking the status of households and their levels of mortgage stress, and regular followers will know I have been highlighting in particular the pressures on the suburban fringe areas of our major cities, especially the outer-suburban post codes across Sydney and Melbourne where many are feeling the brunt of … Continue reading "Mortgage Defaults Are Starting To...

Of the 10 million or so households in Australia, more than 3.1 million are renting, compared with 4.1 million with a mortgaged property and 3 million households owning their property outright, according to my latest surveys. Over time we are monitoring a consistent fall in the proportion of households owning outright, a rise in the … Continue reading "Renters Are On The Rack With No Place To...

For years, the chat around barbeques across Australia was about the rabid rise in house prices, the multiple holding of investment properties, and the undying faith that property only ever goes up, and values doubles say every seven years. As someone who has lived though five significant property market corrections, including one where I lost … Continue reading "The Property “Round The Barbe...

In this live show edit we dive into the thorny questions of investing in a higher for longer rate environment with Head of Investments Damien Klassen of Walk The World Funds and Nucleus Wealth. How does the changing environment impact asset allocation and risk management, and how will the AI boom, higher inflation and energy … Continue reading "DFA Live Q&A Replay: Investing Now, As Rate...

It may be a holiday, for some, but Edwin is back for another dive into the property market, as we address the inflation elephant in the room, the property supply problems, and the broader political environment. Edwin considers the impact of the changes to payment surcharges, and we discuss how politicians are trashing around like … Continue reading "It’s Edwin’s Monday Evening Pr...

This past week has really created a tipping point for Australian property, as I discussed in my recent show, with more rates rises potentially incoming, with the possibility of a second next year, which would take variable mortgage rates to nearly 7% and fixed rate mortgages are already driving higher thanks to the bond markets, … Continue reading "Deep Gloom Spreads Across Property; Despite...

This is our weekly market update, where we start in the US, cross to Europe and Asia and end in Australia, covering commodities and crypto along the way. More turbulence this week, as traders wrestled with the continued run up in Bond yields. The benchmark US 10-year rose another 1.85% across the week to 5.276%, … Continue reading "Markets In A Dither Over Higher Bond Yields, The AI Trade An...

In this show we look at the latest on property price movements, lending and financial stability following the RBA rate decision this week. We set this into a broader discussion surrounding the underlying dynamics of property with some extracts and commentary from a recent discussion I had on another channel. It is more complex, and … Continue reading "The Truth And Fictions Surrounding The A...

A deep dive into all things economic, with journalist Tarric Brooker. We blow the lid off the latest property market corrections, discuss the RBA rate hike and the political and social fallout, and probe the latest stats on the state of energy supply, and especially diesel into Australia. Along the way, with the help of … Continue reading "Tiimmbberr! With Tarric Brooker…"

Yesterday the RBA Monetary Policy Committee lifted the cash rate to 4.6% the highest in 15 years, and said that some inflation risks highlighted in earlier statements had materialised. Despite the fact that monetary policy worked with a lag of up to 12 months and the board wanted to see how the rate increases already … Continue reading "Hot Inflation Read Confirms More Rate Hikes Likely Ahea...

In this live show replay we examine the latest Australian property and economics with Chief Economist Leith van Onselen, co-founder of Macrobusiness and at Nucleus Wealth. Will home prices fall further, why is the economy stalling, and what can be done about it? Go to the Walk The World Universe at https://walktheworld.com.au/ Details of our … Continue reading "DFA Live Q&A HD Replay: Wh...

In today’s show we examine the latest news on rate rises, which are now baked in; discuss the changes to Chinese transit arrangements as they dial in their focus on raising taxes, and the Australian disconnect between spin and reality. We discuss how households are having to make critical decisions, and how AI may or … Continue reading "It’s Edwin’s Monday Evening Property...

This is our weekly market update where we start in the US, cross to Europe and Asia and end in Australia, covering commodities and crypto along the way. It’s been a volatile week for stocks, with market participants digesting a rally in the artificial intelligence trade, conflicting geopolitical signals, a rise in Federal Reserve rate … Continue reading "Markets Struggle To Separate Signal F...

In a recent outing our prime minister said that humans must remain in control of AI. I agree, and at some point I will dive further into the concept of controlling AI, and whether there is a chance it will take over and wipe us out, or is that simply positioning for more Government support, … Continue reading "AI: Has Australia Lost The Plot? Have Your Say!"

Australia is stuck with rising unemployment, sticky inflation and poor productivity. After several years of prioritising its full-employment mandate, it appears that the Reserve Bank of Australia is now choosing to focus on returning inflation to target even if it comes at the cost of an economic downturn or even a recession. Economists will argue … Continue reading "An RBA Rate Hike Is Bake...

So will there be a get out of jail card? Well, according to Commonwealth Bank and artificial intelligence giant Anthropic are both tipping AI will deliver a productivity bonanza for Australia, aligning with Treasurer Jim Chalmers’ Intergenerational Report, which some have criticised as too optimistic in its long-term outlook. The Treasury tipped AI to help … Continue reading "Higher Debt Cos...

In this live show we examine the latest on policies in Australia which seems hell-bent on making our lives worse, rather than taking the country forward, especially now. I will be discussing this with Robbie Barwick, National Chairman from the Citizens Party, as we pull apart AUKUS, Financing for the Future, Intergenerational Fairness and the … Continue reading "DFA Live Q&A HD Replay: O...

This week we look at the developments in Victoria, from politics to failing buildings, examine the latest bets on future rate rises, and property prices, and delve into weak spring selling season. We look at price scenarios for WA which was outstanding from my earlier shows. Edwin looks at distressed sales, and we cover off … Continue reading "It’s Edwin’s Monday Evening Property...

Volatility is banded about without much thought about what it really means, and what it really measures. Volatility indices are linked to options pricing, and prices of assets do not necessarily correlate with total returns. So in this show Damien Klassen, Head of Investments at Nucleus Wealth and Walk The World Funds and I go … Continue reading "What Precisely Is Volatility?: With Damien Kl...

I am sick and tired of so-called experts jumping to simplistic so-called solutions to solve the Australian Property Problem. The truth is, often they have a specific agenda, for example a Bank CEO who talks the market up, trying to increase loan growth, or politicians who try to justify their policies by claiming it’s about … Continue reading "Australian Property’s Three Body Problem"

We walk through the results from our latest surveys, tracking household financial pressure across mortgage, rental, investor and overall stress. Where are the hot spots? This is a segment from our recent live show. https://youtu.be/Fjp44eRLuF0 http://www.martinnorth.com/ Details of our one to one service are here: https://digitalfinanceanalytics.com/blog/dfa-one-to-one/ Go to the Walk The World Un...

In this segment we walk though the latest home price scenarios for houses and units across the states, and across key household segments, based on where things may go over the next three years. These are not predictions but sensitivities. This is an extract from our recent live show. WA data will follow….

The Australian Property markets are teetering on the edge thanks to the expectation of more rate rises in the weeks ahead, including potentially one at the end of September, and another on Melbourne Cup Day in November, while auction listings are up a little, but clearance rates fell this week compared to last, according to … Continue reading "Property’s Spring Season Is A Damp Squib…"