Search: Sub-prime mortgage

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RBA Glossary definition for Sub-prime mortgage

Sub-prime mortgage – While there is no precise definition of sub-prime mortgages, in the United States, they are typically loans made to borrowers with impaired credit histories, which might include one or more payment defaults, a previous loan foreclosure, or bankruptcy.

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Cash Rate Pass-through to Outstanding Mortgage Rates

18 Apr 2024 Bulletin – April 2024
Benjamin Ung
The interest rate paid by outstanding mortgage borrowers increased by around 320 basis points between May 2022 and December 2023, around 105 basis points less than the cumulative increase in the cash rate over this period.
https://www.rba.gov.au/publications/bulletin/2024/apr/cash-rate-pass-through-to-outstanding-mortgage-rates.html

The Reserve Bank's Securitisation Dataset

13 Dec 2018 Bulletin – December 2018
Kate Fernandes and Dominic Jones
The Reserve Bank's Securitisation Dataset contains timely and detailed data on each and every one of the mortgages underlying Australian residential mortgage-backed securities (RMBS).
https://www.rba.gov.au/publications/bulletin/2018/dec/the-reserve-banks-securitisation-dataset.html

Partial Mortgage Prepayments and Housing Credit Growth

19 Sep 2013 Bulletin – September 2013
Marc-Oliver Thurner and Alexandra Dwyer
Changes in lending rates have an important influence on the pace at which households prepay their mortgages. This has implications for housing credit growth. The effect of the fall in lending rates since October 2011 on prepayments is by itself
https://www.rba.gov.au/publications/bulletin/2013/sep/4.html

Assessing Physical Climate Risk in Repo-eligible Residential Mortgage-backed Securities

18 Apr 2024 Bulletin – April 2024
Ronan McCarthy and Geordie Reid
This article assesses physical climate risk in Australian residential mortgage-backed securities (RMBS) using two risk metrics.
https://www.rba.gov.au/publications/bulletin/2024/apr/assessing-physical-climate-risk-in-repo-eligible-residential-mortgage-backed-securities.html

Household Liquidity Buffers and Financial Stress

16 Jun 2022 Bulletin – June 2022
Lydia Wang
The ratio of household liquid assets to household income in Australia has increased substantially over recent decades, at both the aggregate and individual household levels.
https://www.rba.gov.au/publications/bulletin/2022/jun/household-liquidity-buffers-and-financial-stress.html

Bulletin

18 Apr 2024 Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/

The Effects of Funding Costs and Risk on Banks' Lending Rates

10 Mar 2011 Bulletin – March 2011
Daniel Fabbro and Mark Hack
Increases in equity capital and expected losses are estimated to have had a smaller effect on residential mortgage lending rates. ... loans. As such, equity capital contributes more to the cost of funding business loans than residential mortgages
https://www.rba.gov.au/publications/bulletin/2011/mar/6.html

Shadow Bank Lending to the Residential Property Market

15 Sep 2017 Bulletin – September 2017
Michael Gishkariany, David Norman and Tom Rosewall
Shadow bank lending can play an important role in the economy, but on a large enough scale it could damage financial system resilience. Domestic banks have tightened standards for lending to the residential property market over recent years,
https://www.rba.gov.au/publications/bulletin/2017/sep/6.html

Bulletin September Quarter 2023

15 Feb 2024 Bulletin - September 2023 PDF 8611KB
https://www.rba.gov.au/publications/bulletin/2023/sep/pdf/bulletin-2023-09.pdf

Partial Mortgage Prepayments and Housing Credit Growth

18 Sep 2013 Bulletin PDF 725KB
Reserve Bank of Australia Bulletin September Quarter 2013
https://www.rba.gov.au/publications/bulletin/2013/sep/pdf/bu-0913-4.pdf