Digital Finance Analytics (DFA) Blog

Tonight we look at the new One Nation policy on superannuation, and discuss the other policy areas which will be contested at the next election. We also pull apart the latest news on Bathla, and other property company failures, and the implications for people trapped in the foreclosure processes. Meantime time property prices continue to … Continue reading "It’s Edwin’s Monday Evening Property Rant!"

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. In the week that the UN voted for the Correct the Map” resolution, which replaces the traditional world map with one that more accurately reflects the size … Continue reading "Mirror Mirror: Markets Wrestle With A Matter Of Perspective!"

Markets are going crazy, gold is being repatriated as bond yields rise. Inflation remains high partially stoked by AI investment, while ordinary people seem to be left behind, so what to do? Well, I caught up with sound money advocate Lynette Zang, who is the Founder and CEO of Zang Enterprises. We spoke about the … Continue reading "The Future Is Genuinely In Our Own Hands: With Lynette Zang"

Another chat with journalist Tarric Brooker as we go though the latest slides and data. How come politicians are using soft toys to explain the property market? Why are we seeing so much spin? What is the real data telling us? Check out Tarric’s charts here: https://x.com/AvidCommentator/status/2095404318128247133 http://www.martinnorth.com/ Details of our one to one service … Continue reading "Please Stop Toying With Us: With Tarric Brooker"

Various bank economists had predicted that the economy would slide back into a per capita recession, defined as two consecutive quarters of negative growth in real GDP per capita terms, ahead of Wednesday's Q2 2026 national accounts release by the Australian Bureau of Statistics (ABS). But in an upward surprise, the good news was that … Continue reading "Let's Give The Australian GDP A Spin!"

An update today on our campaign to save regional communities across the country, with Robbie Barwick, National Chairman; National Research Director; 2025 Senate Candidate for Victoria from the Australian Citizens Party. https://citizensparty.org.au/ You will not believe the latest porkies being told… unbelievable… http://www.martinnorth.com/ Details of our one to one service are here: https://digitalfinanceanalytics.com/blog/dfa-one-to-one/ Go to … Continue reading "Truth Versus Lies: The Future Of Our Communities – With Robbie Barwick"

This week we dive into the latest spin from the Federal Government on property, pull apart the Bathla story, and look across the construction sector more broadly, as well as the latest numbers. Some are panicking, but others are more able to digest the current uncertainty. If you are buying your home in Sydney's contentious … Continue reading "It’s Edwin’s Monday Evening Property Rant!"

Over the past week we have seen more indicators that the housing market is battling with a storm of issues, from rising interest rates, yes the RBA will have to hike further, higher inflation, which is causing the RBA to move, and higher bond yields signifying higher borrowing costs for households, businesses and the government. … Continue reading "The Property Dominos Are Continuing To Fall; Hard!"

Data today reinforces our view of more cash rate hikes are in the wind in Australia, as household spending data suggests households are just fine. Today we look at the data, highlight some issues with the interpretation, and consider that case for more hikes, adding to the pressure on some households. My base case is … Continue reading "Are Households Really Splashing The Cash?"

Today we got the Consumer Price Index (CPI) date from the ABS and they reported that in July 2026, it headline measure rose 3.5 per cent over the past 12 months, down from 3.8 per cent in the 12 months to June, which was hotter than many economists had expected. Trimmed mean annual inflation which … Continue reading "More Rate Hikes Are Likely As The CPI Lands Hot…"

In this edit of our latest live show I discussed the latest housing and economic data with Chief Economist Leith van Onselen, co-founder of Macrobusiness and Nucleus Wealth. So much noise, but what are the signals saying? Will this really be the worse home price correction for 4 decades? And what of the broader economy? … Continue reading "DFA Live Q&A HD Replay: Yet Another Housing Price Gotcha: With Leith van Onselen"

In this show Edwin and I kick around the questions of listings (are they rising or falling?), rents and migration all drivers of property price moves. In addition the latest news from the AML sector is significant, as are the latest political moves. Beware averages… If you are buying your home in Sydney's contentious market, … Continue reading "It’s Edwin’s Monday Evening Property Rant!"

More data this week showing property prices continue to fall, driven my multiple drivers, from interest rates, poor wages growth, high inflation changes to Government tax law, and reduced mortgage lending. Every part of the country is impacted. The latest clearance rates confirms the falls too, as transaction volumes remain in glacial territory. One other … Continue reading "Yet Another Housing Price Gotcha!"

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. We had major developments this week which underscored the fragility of the global financial system, as US Government debt hit $40 trillion, Australian Government debt hit $AU1 … Continue reading "Markets Fret About Debt, Bonds And An Incoming Financial Crisis…"

A quick look at the latest social media posts, and media would give you the impression that unemployment in Australia just went through the roof, and so rates cuts from the RBA are off the table. A rise in the unemployment rate to its equal-highest level in almost five years last month suggests the economy … Continue reading "An Unbelievable Reaction To The Latest Unemployment Data!"

In this show, journalist Tarric Brooker and I dive into the latest on Australian housing, the pressures on the banking system resulting from declining lending growth, and rent rises, but set against the broader political and economic context, using his great slides. We also pick apart the bond market, given the OZ Government $1 Trillion … Continue reading "Banking On Housing? With Tarric Brooker…"

The ABS released their Wage Price Index (WPI) for June 2026 today, and confirmed what my surveys already highlighted, in real terms, after inflation on average households are going backwards. But if you are working in the Government funded sector, you are doing better, and if you are living in South Australia, you are doing … Continue reading "We Are Still Getting Poorer!"

In this edit of my live show I discussed our latest surveys, modelling and analysis, with a specific look at where the current risk hotspots for mortgage and rental stress are located. Robbie Barwick also joined for part of the show, were we discuss that horrific news that the Government and Opposition will join together … Continue reading "DFA Live Q&A HD Replay: Mapping Household Housing Pain (And Act Now To Save Our Freedom!)"

Yes, Edwin is back for another swim through the property market deeps, as we look at the latest statistics, emerging trends and more questions for those in charge. Are there signs of a change in Brisbane markets, despite falls elsewhere, and how wil the gap between new build prices, existing property and rentals be squared. … Continue reading "Its Edwin’s Monday Evening Property Rant!"

The bad news keeps coming for households in the mortgage and rental sectors across the country. So today we pick apart the latest analysis, and also cover the latest auction clearance results from the weekend. Truth is first time buyers, property investors and others are on the sidelines, as the pressure builds. And join us … Continue reading "More Households Ride The Pain Train!"

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. Thanks to followers who responded to my observation made last week that despite this being for me one of my most important shows each week, it gets … Continue reading "Mixed Signals Drives Markets Into A Spin!"

The value of total new home loans fell 5.2 per cent (-$5.4 billion) this quarter, after a 3.4 per cent fall in the previous quarter. They sheet the falls to the changed lending conditions, with the Reserve Bank of Australia increasing the cash rate for the third time in 2026. Changes to negative gearing and … Continue reading "Busted: New Home Lending Fell In The June Quarter!"

Lots more data showing firmer falls in home prices are likely, with ANZ the latest to revise down. Yet, we had industry leaders and Treasurer Chalmers talking the market up, so is there are glass half full story to be told? Well, perhaps we can learn from the latest REINZ data showing New Zealand prices … Continue reading "Home Prices: Is The Glass Half Full? Ask New Zealand!"

We discuss the RBA decision yesterday and consider the implications for households who are facing higher inflation and rents, higher mortgage rates, and poor productivity. Banks are calling deeper property price falls ahead and falling mortgage application volumes while the RBA attributes migration and big IT AI investments as elements propping up the economy. Its … Continue reading "Households Are Going To Stay On The “Pain Train” For Some Time Yet…."

This is an edit of a live show where former Senator Gerard Rennick from the People First Party and Robbie Barwick from the Citizens Party, who together announced the joint formation of the new Australian Peoples Party, joined us to explore the real alternative this new party offers. We explored their policies, and importantly answered … Continue reading "DFA Live Q&A HD Replay: Australian Peoples Party – A Real Alternative: Ask Robbie & Gerard"

Well, it seems the truth about the current slide in home prices is emerging, as falls are now quickly spreading to almost every suburb in Sydney and Melbourne, and also into smaller capitals too – once regarded as a one way upward bet by many – as the perfect storm of high inflation, flat wages, … Continue reading "Perfect Storm: Home Price Falls Are Spreading Like A Rash!"

This is a shorter than normal show today as Edwin was not able to join us. However I was able to discuss the latest coverage of the current property correction, thanks to Cookie, and also discussed the question of the RBA decision due tomorrow as mortgage applications are drying up and price falls are accelerating. … Continue reading "It's Half A Monday Evening Property Rant!"

In our latest Friday afternoon Journalist Tarric Brooker and I dive deep into the economic and political landscape, with the help of his slides. and try to understand what is going on. And Doh! seems to sum up the current housing mess, the current migration discussions, and the polarisation between different household groups. Importantly, inflation … Continue reading "Doh!…. With Tarric Brooker"

There was something in the Labor woodshed about migration that emerged yesterday and which may well signal a further change in policy to reduce migration into Australia. Some tweaks are already in the system, though net migration is hard for governments to control because most of the temporary visa categories are driven by demand and … Continue reading "Will Labor Really Cut Migration And Will Home Prices Fall Further Too?"

In this show we dive into the minds of first time buyers and offer 5 reasons why they should buy now, and 5 reasons why they should wait, to highlight the dilemmas they face as the Australian property market is going through a significant pivot. The once sure bet of property values seemly always rising … Continue reading "The First Time Buyer Dilemma…"

In this edit of our live show we looked at the latest across the markets, from AI, the Energy Wars, Inflation and the latest company results with Head of Investments, Damien Klassen. Go to the Walk The World Universe at https://walktheworld.com.au/ Details of our one to one service are here: https://digitalfinanceanalytics.com/blog/dfa-one-to-one/ Find more at https://digitalfinanceanalytics.com/blog/ … Continue reading "Investing Now: With Damien Klassen"

July numbers are in, and price falls are widening, while listings rise, so what does this mean really? Well, in to-night’s show Edwin and I dive into the detail to figure this out. We also consider the risks from mold and trip hazards, and hidden cameras in property viewing. And Edwin has a tip which … Continue reading "It’s Edwin’s Monday Evening Property Rant!"

The latest data shows a deepening housing downturn, which has hit major capital city markets in Sydney and Melbourne hardest and is driving a vendor retreat. Cue The Benny Hill Music… Average home prices across all major centres are off their past peaks, something which will be confirmed when the property analysts publish their results … Continue reading "The Australian Property Horror Show Continues…"

This is our latest 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 we exit July, superficially at least markets rebounded from volatile moves during the week as a bunch of macro issues from the future path of … Continue reading "Hopium Rules Markets, (Despite More Questions On AI, Rates And Energy) For Now…"

According to a recent ASIC report, millions of Australians rely on mortgage offset accounts to reduce the cost of their home loan, but an ASIC review has found customers may have been unknowingly paying more interest than they should because some banks failed to properly manage offset accounts. That’s because banks have not been delivering … Continue reading "Robbed Again: Banks Behaving Badly Making Mortgages More Expensive!"

Given the importance of the Federal Reserve to the global economy, I always watch the press conference after the Monetary Policy rate decision, the latest of which happened on Wednesday afternoon. Warsh evidently considering doing away with press conferences and on the performance we got, that may not be a bad idea. Actually, he spent … Continue reading "Is The FED All Talk And No Trousers?"

Do not be fooled, because while the ABS released a set of CPI reports today for June which were just a tad lower than market expectations, surging home-building and services costs could still force the Reserve Bank of Australia to raise interest rates later this year. They included the June monthly, and the quarterly series, … Continue reading "Inflation: Still A Massive Problem For Australia!"

In this edit of our live show I was joined by Leith van Onselen Chief Economist at Macrobusiness and Nucleus Wealth. We examined the latest economic and political drivers of the housing market. How will this play out, and will Government intervention change the story, or are we set for a long drawn-out slide? Go … Continue reading "DFA Live Q&A: The Great Australian Property Bust: For How Long? With Leith van Onselen"

The latest from our property insider, Edwin Almeida, as we parse the latest industry commentary on the property market. Are the falls significant and widespread, and will they continue? What can we tell from previous property cycles? If you are buying your home in Sydney's contentious market, you do not need to stand alone. This … Continue reading "It’s Edwin’s Monday Evening Property Rant!"

The evidence is gathering that the Australian property market is continuing to wilt, as buyer sentiment remains subdued. And the truth is, we are probably only in the foothills of the property bust so far. This week's preliminary auction clearance rate was 52.4 per cent across 1421 auctions, according to Cotality research. It's the third … Continue reading "The Great Australian Property Bust… For How Long?"

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. Most markets posted weekly losses, dragged down by the widening conflict in the Middle East, concerns over heavy capital spending by major names such as Alphabet and … Continue reading "Markets React To Red Light Warnings from AI, Inflation, Energy Wars and Tariffs!"

In this show I look at post code 2251, (Avoca Beach, Bensville, Copacabana, Davistown, Green Point, Kincumber, Macmasters Beach, Saratoga, Yattalunga) and examine the latest price trends and broader drivers of this area. The 2251 area around Copacabana and Davistown is best understood as a mature, high‑amenity coastal and waterfront cluster with limited capacity for … Continue reading "A Deep Dive On Central Coast Property!"

Today we got the ABS Labour Force data for June 2026 and the strong result cements further the likelihood of another RBA rate hike this year. Traders are now pricing in a 36 per cent chance of higher borrowing costs when the RBA meets next month and are now fully priced for one more increase … Continue reading "The Case For More Rate Hikes Builds As Job Markets Remains (Mostly) Strong!"

One of the critical factors in our core market model is a set of linkages between home price momentum and input factors, such as demand, migration, interest rates, Government incentives, inflation and availability of credit. Each has an influence on the others, and on the trajectory of home prices. But the greatest of these is … Continue reading "Home Price Momentum Crushed By Credit Drought!"

Another deep dive into property dynamics with our insider Edwin Almeida. And check out our live show with Edwin tomorrow as he talks about enhancing property search. https://youtube.com/live/7kWk2lQ6ZRQ If you are buying your home in Sydney's contentious market, you do not need to stand alone. This is the time you need to have Edwin from … Continue reading "It’s Edwin’s Monday Evening Property Rant!"

There a couple of terms which can create fear and panic among those looking to buy and sell property. In a hot market, Gazumping is an underhand technique whereby a seller accepts a higher offer from another buyer before contracts are signed and exchanged. The reverse, in a falling or buyers market is Gazundering which … Continue reading "Gazundering Is Back Baby, As Home Prices Fall Further!"

This is our weekly market update, where we start in the US, cross to Europe and Asia and end in Australia, covering commodities and crypo along the way. Share indexes tumbled around the world on Friday, despite strong results reported from the US banks on heavy trading, as heavyweight chip stocks plunged for a third … Continue reading "Brutal Markets Pivot On AI, Chips And Energy; Despite Earnings Hopes!"

We had more data this week, continuing to build out the picture of falling home prices, reaching more suburbs, and taking a deeper dive. For many this is shocking, after all, the belief in the one-way street of property price rises was deeply entrenched. But perhaps this is now changing. For example, the latest Westpac-Melbourne … Continue reading "Can A Housing Downturn Improve Australia's Productivity?"

During my recent live stream with Damian Klassen from Nucleus Wealth, we touched on Private Credit and the building risks from this opaque form of lending. It provoked a number of our followers to get in touch about these risks, expressing concerns that the risks in this unregulated area of finance could well pose a … Continue reading "The Private Credit Time Bomb…"

The REINZ released their June 2026 data today, showing national conditions remaining cautious while regional differences continuing to shape the overall picture. The New Zealand housing market has become a series of local markets moving at different speeds. Buyers and sellers in one part of the country are having a very different experience from those … Continue reading "New Zealand Property Still Stuck In Cautious Mode!"