One in a hundred 5% deposit scheme borrowers sits below break-even, concentrated in Sydney and Melbourne's priciest suburbs, but the guarantee shifts the risk, not the reality.
Global developers are pouring capital into branded residences at triple 2015 levels. The question: does this tier ride out a correction, or amplify it?
Perth homeowners are now spending nearly half their income on mortgages, more than Sydney's worst quarters in 2023, and rental supply hasn't kept pace with population.
While banks forecast more rate hikes, brokers report inquiry spikes from upgraders chasing renovation alternatives and first-home buyers facing less competition, but investor appetite has stalled.
A major capital deployment into Brisbane's commercial property market raises questions about risk appetite, yield spreads and whether the 2032 Olympics infrastructure buildout justifies backing offices when other capitals remain under pressure.