I’ve spent 25 years researching and commenting on the Australian residential property market, working with some of the sector’s biggest names. Now, I’m offering my expertise directly to businesses and individuals through Kusher Consulting. 1/

It should. The biggest threat to brokers at this point would appear to be individuals being able to their job via AI rather than the banks winning back their market share.

A very good read here.

Western Sydney should properly brand itself as a separate city to Sydney, I think it would be treated a lot better if it did this. We should normalise large cities that are separate entities right next to one another.

Anything that is likely to be good but will piss-off a proportion of the population straight away, you need to seek an election mandate for, anything that is likely to be bad but takes longer to piss-off the population you can just do

Waymo’s fully autonomous driving technology offers greater independence for people with intellectual and developmental disabilities.

As someone from Brisbane, the recent suggestion that all of SEQ should be branded as one city (Brisbane) is preposterous each of Brisbane, Gold Coast and Sunshine Coast are separate cities in their own right and should remain so.

Western Sydney should properly brand itself as a separate city to Sydney, I think it would be treated a lot better if it did this. We should normalise large cities that are separate entities right next to one another.

Also keep in mind governments can just do stuff. They all like to say we can’t change taxes or do this because we need to seek a mandate at an election. A mandate for first world leading population growth was never sought (by either party).

This is a pretty surprising result, Australia heading treading the same path as UK and US. When you juice migration and per capita GDP falls, you don’t invest in the housing or infrastructure you need what do you expect?

Counterpoint, it is weird but the US anthem is a banger and a much better listen than the Australian anthem which sucks.

I am officially getting old, every time I see someone post about 4Chan I just assume it is some new rapper I don’t care about. Haven’t bothered to investigate any further.

Not really that surprising this goes on but kicking him out? Come on!

Investors at a high LVR have much less emotional attachment to a property than owner-occupiers with a high LVR. I would bet investors would be more inclined to dispose a property they are struggling to afford than an owner-occupier (investors have lower arrears). 2/2

This is quite an odd statement from the RBA Governor. You're worried about investors and their high LVR lending but nothing on the Home Guarantee Scheme? 1/2

Reading the tea leaves of recent statements and commentary from APRA and RBA, if we continue to see an acceleration in housing credit (which seems likely) and particularly investor credit, we're going to see a tightening of macroprudential policies.

I am in Sydney 23rd and 24th of October if any of my followers would like to catch-up and talk about the market or business opportunities please get in touch.

It's a lifelong debt trap but one in which many are going to have little choice but to accept. Good to see this article highlight how much difference there is in interest payments between those options.

American has never walked in American and summer. Some of the hottest and most unpleasant walking experiences I have ever had was being at Yosemite in summer and walking around Boston in summer.

If the NSW Government’s Presale Finance Guarantee Scheme was broadened and rolled out nationally I think it would do a lot more for new housing supply and do so sooner than any of the planning reforms going on.

I am going to be on ABC News Breakfast talking about housing at 7.15 AEDT give it a watch if you’re around.

A free post on the highlights from the RBA's Financial Stability Review last week looking at all their charts and analysis on housing and households. https://t.co/7jAL6pN7Xg