Search: Sub-prime mortgage
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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Assessing Competition in the Financial System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
They have also diversified into mortgage broking, stockbroking, wealth management and advisory services, in part to take advantage of shared distribution channels. ... For more information on regulatory measures on residential mortgages in Australia, see
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/assessing-competition-in-the-financial-system.html
Developments since the Financial System Inquiry | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
The Inquiry similarly recommended reducing the differences in risk weights on mortgage lending between banks using model-based weights (the large banks) and other ADIs. ... implementation by the Australian Prudential Regulation Authority (APRA) in 2016
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/developments-since-the-financial-system-inquiry.html
Handout and Supplementary Information Prepared for Standing Committee on Economics – September 2016 | Bank Fees and Margins | Submissions
22 Sep 2016
Submissions
Handout and Supplementary Information Prepared for Standing Committee on Economics – September 2016
https://www.rba.gov.au/publications/submissions/financial-sector/handout-standing-committee-on-economics-2016-09-22/
HANDOUT PREPARED FOR STANDING COMMITTEE ON ECONOMICS 22 SEPTEMBER 2016
21 Sep 2016
Submissions
PDF
386KB
The average mortgage rate actually paid has not risen by as much as the standard variable rate (SVR) since the GFC. ... Changes in discounts only affect new borrowers (and not the existing stock of mortgages).
https://www.rba.gov.au/publications/submissions/financial-sector/handout-standing-committee-on-economics-2016-09-22/pdf/handout-standing-committee-on-economics-2016-09-22.pdf
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates
14 Aug 2015
Submissions
PDF
905KB
cost of credit cards relative to mortgage interest rates and the increasing ability of households to use. ... rate. Unlike some other types of household loans such as residential mortgages, credit card loans are.
https://www.rba.gov.au/publications/submissions/financial-sector/pdf/inquiry-matters-relating-to-credit-card-interest-rates-2015-08.pdf
Submission to the Inquiry into Home Ownership - June 2015
15 Jul 2015
Submissions
PDF
4844KB
Submission to the Inquiry into Home Ownership
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/pdf/inquiry-into-home-ownership.pdf
Home Ownership Rates | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
important for the transition to home ownership than the ability to service a mortgage from current income thereafter (Bourassa 1995). ... Graph 17. Footnote. Mortgages in Australia with an original LVR above 80 per cent typically require lenders mortgage
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/home-ownership-rates.html
References | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
APRA (Australian Prudential Regulation Authority) (2014), ‘APRA Outlines Further Steps to Reinforce Sound Residential Mortgage Lending Practices’, Media Release No 14.30, 9 December. ... Ellis L (2013), ‘Housing and Mortgage Markets: The Long Run,
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/references.html
Introduction | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
Within the owner-occupier group, a larger proportion now has a mortgage.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/introduction.html
Impact of Taxation | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions
1 Jun 2015
Submissions
The tax system also advantages owner-occupiers, particularly those with little or no debt: although they cannot deduct mortgage interest repayments from tax as in some other countries such as the ... With mortgage interest rates also having fallen over
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/impact-of-taxation.html