Digital Finance Analytics (DFA) Blog

There was, in my view some significant misdirection contained in the Reserve Bank’s recently released Financial Stability Review, released on Thursday, which they say provides a comprehensive assessment of the health and resilience of Australia’s financial system.All up they say that Australia’s financial system remains well positioned to navigate a period of elevated global uncertainty, …...

Judging by all the spruiking, property markets are about to boom, and crowds of first time buyers are crowding in. But actually, the real story is rather different not least because of the real incomes required to service a 95% loan. So today we examine this, and also the regional property question. Although the high-level … Continue reading "Time For Some Home Truths: Maybe?"

Housing affordability is getting worse, home prices continued to trek higher in September, according to the latest data from Cotality. The recent 3 rate cuts have put a rocket on price movements, pumped by high migration demand, investor demand, and from first time buyers, demand there will be pumped further of course as the enhance … Continue reading "Some Home Prices Boom Higher; As Expected:...

This is an edit of our live show in which we discussed the RBA decision today, and continued our series about the new First Time Buyer Government scheme to start 1 October. I was joined by Aaron Scott from bRight Agent. There are some important factors to consider, which potentially have significant implications for people … Continue reading "DFA Live Q&A HD Replay: Avoiding The First Time...

Another Rant, this week, with a new mike for Edwin as we dive deep into the murky waters of the property market. From off-market deals, to high-rise for oldies, we pick apart the latest news, and underscore an important warning! If you are buying your home in Sydney’s contentious market, you do not need to … Continue reading "Its Edwin’s Monday Evening Property Rant!"

Continuing our series on First Time Buyers, we look at the latest data from the Bank of Mum and Dad (or better The Family Bank!), and dig into the other channels though which prospective first time buyers can get assistance, thanks to Federal and State initiatives (which by the way are impossible to cost out, … Continue reading "First Time Buyers In Wonderland!"

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. As artificial intelligence stocks such as Nvidia, Meta Platforms, Microsoft and Alphabet push higher and higher, and even tech laggards such as Oracle and Intel suddenly catch … Continue reading "Close To Full Ponzi? Bubbles, Bubbles Everywhere;...

Another Friday evening deep dive into the economy, with journalist Tarric Brooker, as we look at the latest trends in real income, the thorny question of the trajectory of interest rates and the future direction of the political discourse around migration and climate change. And yes folks, TB’s audio is now up to snuff! His … Continue reading "Australia’s Economy Is Worse Than You Think! With...

This is an edit of a special event, ahead of the new First Time Buyer Scheme launching 1st October 2025, as I am joined by the CEO of Alcove Mortgage Brokers, Chris Bates who over the past 11 years, has helped 1,000s of clients navigate the challenge of successfully buying their first home. Purchasing not … Continue reading "DFA Live Q&A HD Replay: Avoiding The First Time Property Trap: With...

The latest monthly inflation read from the ABS shook analysts and markets, because it came in much hotter than expected. “It’s a very hot CPI print,” said Andrew Lilley, chief rate strategist at Barrenjoey. “It’s a lot hotter than anybody expected. The market will see this as inconsistent with the Reserve Bank of Australia cutting … Continue reading "The Inflation Monster Stirs Again…"