Housing Finance on the Slide: Q1 2025 Lending Trends in Australia

Housing Finance on the Slide: Q1 2025 Lending Trends in Australia

In this episode, we unpack the key insights from the Australian Dwelling Finance Bulletin for Q1 2025, which reveals the first major drop in dwelling finance approvals in two years. We explore the sharp decline in owner-occupier loans—especially those tied to construction—and what this signals for the broader housing market. Join us as we analyse state-level trends, possible drivers behind the lending slowdown, and what it could mean for borrowers, builders, and policymakers in the months ahead.

Source: Westpac

Episoder(61)

COVID-19 and the Australian Economy: From Shock to Recovery

COVID-19 and the Australian Economy: From Shock to Recovery

In this episode, we explore the profound economic impacts of the COVID-19 pandemic on Australia from 2020 to 2021. We discuss how public health restrictions triggered a sharp downturn in GDP and emplo...

12 Mai 202515min

The Global Financial Crisis: Causes, Collapse, and Lessons Learned

The Global Financial Crisis: Causes, Collapse, and Lessons Learned

In this episode, we unpack the Global Financial Crisis of 2007–2009—how it began in the U.S. housing market and quickly rippled through the global financial system. We examine the key drivers, includi...

12 Mai 202518min

How Banks Set Interest Rates: The Hidden Mechanics of Lending

How Banks Set Interest Rates: The Hidden Mechanics of Lending

In this episode, we explore how banks operate behind the scenes—specifically how they manage the balance between funding costs and lending rates. Discover how banks source their funds through deposits...

12 Mai 202510min

Bonds & the Yield Curve: Decoding Market Signals

Bonds & the Yield Curve: Decoding Market Signals

In this episode, we demystify bonds and the yield curve—two foundational concepts in financial markets. We explain what bonds are, how yields work, and why bond prices move inversely to yields. You'll...

11 Mai 202522min

Breaking Down the Balance of Payments: Tracking Australia's Global Transactions

Breaking Down the Balance of Payments: Tracking Australia's Global Transactions

In this episode, we dive into the balance of payments—an essential tool for understanding a country’s economic relationship with the rest of the world. Learn how it's structured into the current accou...

11 Mai 202517min

Understanding Exchange Rates: Australia's Global Currency Connections

Understanding Exchange Rates: Australia's Global Currency Connections

In this episode, we unpack the fundamentals of exchange rates and why they matter for an open, trade-driven economy like Australia. We explore key concepts including bilateral exchange rates, cross ra...

11 Mai 202516min

Exchange Rates Explained: Why the Dollar Matters to the Economy

Exchange Rates Explained: Why the Dollar Matters to the Economy

Exchange rates do more than just affect your holiday budget—they shape the entire Australian economy. In this episode, we unpack how exchange rates function and why their movements matter. From influe...

9 Mai 202513min

Floating or Falling? What Moves the Australian Dollar

Floating or Falling? What Moves the Australian Dollar

Ever wondered why the value of the Australian dollar rises and falls? In this episode, we dive into how Australia's floating exchange rate works and the key factors that drive it—from long-term influe...

9 Mai 202510min

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