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John Tripodi
Tables of the Day - Melbourne growth story emerges
After quite a roller coaster ride, house prices are up across all capitals since the first RBA rate in February
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After quite a roller coaster ride, house prices are up across all capitals since the first RBA rate in February
Graph of the Day - RBA October 2025 Financial Stability Review - Takeaway
Melbourne winning on affordability(!) and now poised for growth
Discussing elements of SMSF lending given the recent Government policy updates
Housing price growth well above inflation over 20 and 50 year periods
Survey from last week showed our attitudes towards house prices by the way we vote and age group.
There's less than 6 weeks of fresh listings available til the Xmas holidays are upon us
I always suspected rooftop solar added value to your home, now there's definitive data
Oz Capital Cities dwelling prices are rising and details
Customers are most interested in discussing LMI and Offsets
I think short term stays are here to stay as it solves a real problem for owners and short term 'guests' - matching needs of the buyers and the sellers, with the efficiency of the internet.
Following from my previous post on 29th Aug showing that housing supply growth has managed to outstrip population growth for the past 40 years
Commentators and economists have been running the numbers on population growth this week. Combining ABS and Census data for the past 40 years has shed some light on this topical issue
Australian House prices Aug25 up 0.7% - the largest single monthly lift since May24
GDP after all types of populist governments globally for the past 100 years - oops!
Borrowers appear to be holding their larger repayments to continuing the trend to repay debt, rather than freeing up their cash flow for spending as rates fall.
A purple cow is a departure from the norm, something remarkable and worth talking about.
We are outliers and ‘over-weight’ in mining, financial services and construction,
We have just seen the Reserve Bank of Australia (RBA) cut rates for August. For the Major banks, we will soon see rates for new commercial property loans
The Major banks typically set their Loan to Value Ratios (LVRs) on commercial property between 70% to 80%.
20+ years of data trends I've analysed before told me that when the market slows and house prices flinch, the first home buyers (FHBs) re-emerge.
Re-purchasers still dominate the lending market, but they've been falling away over the past few years.
Refinancing is at record levels right now. Chart has ABS data to the end of the March quarter.
Short answer is No. Long answer, read on. (take vitamins to get through this one!)
Consumer Demand chart comes courtesy of the RBA
Economists and commentators are in general consensus that the economy is on the improve
Let compare how Australian property stacks up to the overseas experience
Melb follows Sydney – commentators say Melb is bound to catch up historically – and it still outperformed all capitals in the long term except Sydney
Why are the average rates in Australia high?
The RBA rate cuts of Feb and May may not deliver the spending shots in the arm that disappointed retailers were looking for.
Don't be too mad with the RBA. Economics is not an exact science. In fact, in academic and industry circles, it is known as the 'dismal science', where there is consensus that it is not a science at all.
We have it good in Australia. Customers can get a broad array of choice of lenders and loans via their brokers for best value and best fit.
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