Relevant bibliographies by topics / Mortgage loans Australia

Academic literature on the topic 'Mortgage loans Australia'

Author: Grafiati
Published: 10 December 2022
Last updated: 28 January 2023

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Journal articles on the topic "Mortgage loans Australia"

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Naoi, Michio, Piyush Tiwari, Yoko Moriizumi, Norifumi Yukutake, Norman Hutchison, Alla Koblyakova, and Jyoti Rao. "Household mortgage demand: a study of the UK, Australia and Japan." International Journal of Housing Markets and Analysis 12, no. 1 (February 4, 2019): 110–30. http://dx.doi.org/10.1108/ijhma-03-2017-0029.

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PurposeHomeownership has been the main focus of housing policies in most countries. Typical means that households use to achieve homeownership is to take out a loan and supplement this with accumulated wealth for a downpayment. This paper aims to analyze the mortgage demand behavior of households in the UK, Australia and Japan.Design/methodology/approachUsing three panel data sets, HILDA for Australia, KHPS for Japan and USS for the UK, the paper estimates three equations using ordinary least squares: mortgage demand function, housing demand function and initial loan to value ratio function.FindingsThough homeownership is a preferred tenure and the mortgages are “recourse” loans, housing markets in these three countries operate in different mortgage market institutional structures. Results indicate that income elasticity of mortgage demand differ despite income elasticity of housing demand being similar. Different mortgage institutions in countries that pose constraints for borrowers also determine mortgage demand. Other factors such as demography and economic conditions have also played an important role in determining mortgage and housing demand.Originality/valueThe paper is first, to the authors’ knowledge, that explores the role of institutions in mortgage demand in a comparative framework for the UK, Japan and Australia.
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Chapman, Bruce, and Lorraine Dearden. "Conceptual and Empirical Issues for Alternative Student Loan Designs: The Significance of Loan Repayment Burdens for the United States." ANNALS of the American Academy of Political and Social Science 671, no. 1 (April 27, 2017): 249–68. http://dx.doi.org/10.1177/0002716217703969.

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In this article, we compare the two main types of student loans used to finance postsecondary education: mortgage-type loans, which are repaid over a set period of time and mainly used in the United States; and income-contingent loans, which are repaid depending on students’ future income and used in Australia and England. We argue that the major concern with mortgage-type loans is the repayment burden that falls on students. Repayment burden—the proportion of a debtor’s income required to repay loans—is fundamental to the assessment of student loan systems because it affects the probability of students defaulting on loan repayment, and because it bears on debtors’ consumption and standard of living. We show that Stafford loans imply extremely difficult financial circumstances for a minority of U.S. loan recipients, and that income-contingent loans can solve those problems. The financial benefits of income-contingent loans are illustrated through a hypothetical student loan experience.
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North, Gill. "Regulation Governing the Provision of Credit Assistance and Financial Advice in Australia: A Consumer's Perspective." Federal Law Review 43, no. 3 (September 2015): 369–96. http://dx.doi.org/10.22145/flr.43.3.2.

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Five years ago the global financial crisis threatened the world's financial system and its aftermath wreaked devastation across many parts of the globe. Mis-selling of home mortgages to consumers unable to repay their loans and global sales of financial products linked to residential lending were at the heart of the crisis. Financial reforms governing housing credit frameworks and the selling of complex financial products have ensued within domestic and international spheres. This article reviews the regulatory structures in Australia governing the provision of residential housing mortgages and credit assistance and the provision of financial advice. Its analysis focuses on customer suitability processes, client duties, and remuneration provisions because these legal features significantly influence, and can adversely impact, consumer outcomes. It suggests specific reforms to ensure adequate consumer protection and enhance the consistency and efficacy of the credit framework. It also calls for renewed debate on the remuneration structures of mortgage brokers.
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Degeling, Simone, and Jessica Hudson. "Credit Advisers, Consumer Credit and Equitable Fiduciary Obligations." Federal Law Review 47, no. 1 (February 8, 2019): 64–90. http://dx.doi.org/10.1177/0067205x18816235.

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Consumers use financial intermediaries such as brokers and other credit advisers to navigate complex financial markets and to provide guidance on credit products. In 2017 ASIC reported that ‘[b]rokers … are responsible for arranging … half of all home loans in Australia’ (Australian Securities & Investments Commission, Report 516: Review of Mortgage Broker Remuneration (2017) 8 [18]). The National Consumer Credit Protection Act 2009 (Cth) (‘Credit Regime’) regulates the conduct of such advisers including requiring disclosure of fees and some commissions. The Credit Regime also permits conflicts between the interest of the adviser and the client, provided that the adviser has in place ‘adequate arrangements to ensure … [that the client is] … not disadvantaged by any conflict of interest’ and that the conflict does not breach the adviser’s obligation to act ‘efficiently, honestly and fairly’. This article demonstrates that equitable fiduciary obligations also operate to regulate the conduct of the adviser in his or her dealings with the client. Such conflict and other conduct may breach any equitable fiduciary obligation thus exposing the adviser to equitable remedies. Equitable fiduciary obligations may thus be an as yet under-exploited avenue of protection for consumers and a concomitant zone of compliance risk for those subject to the Credit Regime.
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Kuz’mina, E. V., and A. A. Yanin. "Economic Mechanism and Cash Flows Modeling for Reverse Mortgage." Finance: Theory and Practice 22, no. 6 (December 26, 2018): 106–20. http://dx.doi.org/10.26794/2587-5671-2018-22-6-106-120.

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The research is devoted to the economic mechanism of reverse mortgage — a credit product aimed at improving the standard of living of senior citizens, owners of real estate. The idea of the reverse mortgage has been given, as well as the mechanisms of use of real estate owned by senior citizens in order to provide them with additional income. The examples of reverse mortgage in the uS, the uK, Spain and Australia have been given. The authors have also described the methods of reverse mortgage lending in Russia. Based on the analysis of international experience, the economic expediency of investing in this credit tool has been assessed. Considering consumer demand factor, it is possible to calculate the equilibrium rate and, therefore, to find the coordinates of the market equilibrium point. The authors have developed a mathematical model of reverse mortgage for the case of lifetime annuity payments. This model allows to calculate the expected benefits of borrowers and lenders. There have been done (and implemented) two notes that significantly distinguish reverse mortgage modeling from other loan products: 1) a lifetime reverse mortgage does not have a fixed expiration date; 2) when taking a loan of this type, borrowers consider not only consumption, but also accumulation of inheritance. The model allows to calculate the position of break-even points and market equilibrium (relative to the interest rate). This will help economically interested agents to assess the potential of the reverse mortgage market in Russia.
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Karamujic, Harry M. "Comparative Analysis of Australian Residential Mortgage (Home Loan) Interest Rates." Margin: The Journal of Applied Economic Research 5, no. 3 (August 2011): 311–41. http://dx.doi.org/10.1177/097380101100500302.

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7

Daniel, John. "A Variable-Rate Loan-Prepayment Model for Australian Mortgages." Australian Journal of Management 33, no. 2 (December 2008): 277–305. http://dx.doi.org/10.1177/031289620803300204.

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Daniel, John. "A fixed-rate loan prepayment model for Australian mortgages." Australian Journal of Management 35, no. 1 (April 2010): 99–112. http://dx.doi.org/10.1177/0312896209358261.

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Liu, Ming-Hua, Dimitris Margaritis, and Zhuo Qiao. "The Global Financial Crisis and Retail Interest Rate Pass-Through in Australia." Review of Pacific Basin Financial Markets and Policies 19, no. 04 (December 2016): 1650026. http://dx.doi.org/10.1142/s0219091516500260.

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In this paper, we examine the impact of the global financial crisis (GFC) on the interest rate pass-through for four types of loans in Australia: mortgages, residentially secured small business lending, nonsecured small business lending and personal loans. Australia is an interesting case study since its central bank lowered but also raised interest rates during the GFC. We find that after the onset of the crisis, there has been a shift in the way banks adjust their lending rates in response to changes in market interest rates; the markup has increased and there has been a drop in both short- and long-term pass-through from funding costs to lending rates. Closer analysis indicates that the drop in short-term pass-through is due to the slower response of banks to increases in funding costs. We also find asymmetries in the way banks adjust lending rates in relation to funding costs in the long-run for nonsecured small business lending and personal loans. The evidence shows that banks in Australia tightened lending standards and competed less aggressively for loans but more for deposits in response to heightened default risks following the global financial crisis. The wider margin allows banks to adjust their lending rates more slowly and asymmetrically.
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Aluko, Bioye Tajudeen. "RELIABILITY OF MORTGAGE VALUATION FOR INSTITUTIONAL LENDING IN NIGERIA." International Journal of Strategic Property Management 8, no. 4 (December 31, 2004): 193–203. http://dx.doi.org/10.3846/1648715x.2004.9637517.

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The growing number of distressed banks in Nigeria and the recognition of mortgage valuation as a measure of investment performance of collaterals to mitigate the risks of loan underwriting process necessitates this study. It examined whether open market valuations of mortgage properties were a good proxies for their sale prices. Pooled data, involving 121 open market sales during the period 1994 to 2002, on property transactions in the study area with their corresponding contemporaneous valuations were gathered from the estate surveying and valuation firms, the lending institutions and the Nigerian Deposit Insurance Corporation. The data emanating therefrom were analysed with the aid of multiple regression models. The study revealed, amongst other things, that open market valuation for mortgage is a good proxy for their transaction price in the study area; although, the accuracy is not as good as what obtains in U.K, U.S.A. and Australia.
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Dissertations / Theses on the topic "Mortgage loans Australia"

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Daniel, John. "Prepayment modelling of (Australian) mortgage loans." Phd thesis, 2006. http://hdl.handle.net/1885/109351.

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The thesis is primarily an empirical investigation of Australian mortgage loan prepayment from a modelling perspective. The first objective of the research is to develop a variable-rate loan prepayment model that takes into account the Australian mortgage market structure. The model proves very successful when tested empirically, and is able to explain the partial prepayment features of the Australian market as well as full prepayments. Secondly, Australian fixed-rate prepayment is investigated. Empirical tests are carried out on the non-linear Stanton model and a linear model using Australian prepayment data. Both models perform very well. Next a combined model is formed by combining the (fixed-rate) Stanton model with a variable-rate model. The combined model again proves very successful when empirically tested.
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Books on the topic "Mortgage loans Australia"

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1948-, Berry Michael, and Australian Housing and Urban Research Institute., eds. Falling out of home ownership: Mortgage arrears and defaults in Australia. Brisbane: University of Queensland Press for Australian Housing and Urban Research Institute, 1999.

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Mortgage Stressbusters. Wrightbooks, 2009.

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Brammall, Bruce. Mortgages Made Easy: 8 Steps to Smart Borrowing for Homes and Investment Properties. Wiley & Sons, Limited, John, 2015.

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Brammall, Bruce. Mortgages Made Easy: 8 Steps to Smart Borrowing for Homes and Investment Properties. Wiley & Sons, Incorporated, John, 2015.

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Book chapters on the topic "Mortgage loans Australia"

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Karamujic, Muharem H. "Introduction to Contemporary Residential Mortgage (Home Loans) Lending Products." In Housing Affordability and Housing Investment Opportunity in Australia, 55–87. London: Palgrave Macmillan UK, 2015. http://dx.doi.org/10.1057/9781137517937_4.

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