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That chart should be considered in conjunction with population growth, which was 30% over the same period. I made the point in another thread recently, that investors would benefit from analysing population data in more detail, to understand undersupply composition. Many seem to think FHBs...

And what do mortgage insurers rely on to determine what represents a reasonable change in the price of an Aussie home? -> the credit rating of the country (and bank), global and domestic economic outlook, and central bank intentions on rates.....which is most clearly captured in the components...

Hi Pete In my last bit which you found confusing, I was pointing out the paradox, that demand is high at the moment, as evident by overworked loan approval staff, so banks could be making much bigger profits if they lent more........but the banks are having to balance short term profits...

Turk, fair go..... TF was highlighting the relative contribution of consumer demand and credit availability/cost. A well connected mate today said three of the Big 4 senior lending executives talked candidly this week in Brisbane about deliberately throttling the approval of home loans, in...

Run away and read some migration stats and Steve McKnight books Sash....there's a good boy.

Sash, I appreciate your buddies are happy with quaint populist anecdotes delivered monosyllabically, that reinforce last year's investment decisions. Though there's no need to dumb down everyone else to that level.

The last boom had nothing to do with population increase. Property went up >200% in most areas across Australia - capitals, and regional towns with no population change. Even if net resident population doesn't increase, there's always opportunity to make money from interstate migration and...