Digital Finance Analytics (DFA) Blog
Digital Finance Analytics (DFA) Blog is a podcast that discusses the latest finance and digital business news. It offers analysis from an Australian perspective. The show is hosted by Martin North, a financial commentator. Episodes cover trends in digital finance, banking, and the economy. The podcast aims to provide insights for Australian investors and professionals.
Episodes
Doh!…. With Tarric Brooker
In our latest Friday afternoon Journalist Tarric Brooker and I dive deep into the economic and political landscape, with the help of his slides. and try to understand what is going on. And Doh! seems to sum up the current housing mess, the current migration discussions, and the polarisation between different household groups. Importantly, inflation … Continue reading "Doh!…. With Tarric Broo
Will Labor Really Cut Migration And Will Home Prices Fall Further Too?
There was something in the Labor woodshed about migration that emerged yesterday and which may well signal a further change in policy to reduce migration into Australia. Some tweaks are already in the system, though net migration is hard for governments to control because most of the temporary visa categories are driven by demand and … Continue reading "Will Labor Really Cut Migration And Wi
The First Time Buyer Dilemma…
In this show we dive into the minds of first time buyers and offer 5 reasons why they should buy now, and 5 reasons why they should wait, to highlight the dilemmas they face as the Australian property market is going through a significant pivot. The once sure bet of property values seemly always rising … Continue reading "The First Time Buyer Dilemma…"
Investing Now: With Damien Klassen
In this edit of our live show we looked at the latest across the markets, from AI, the Energy Wars, Inflation and the latest company results with Head of Investments, Damien Klassen. Go to the Walk The World Universe at https://walktheworld.com.au/ Details of our one to one service are here: https://digitalfinanceanalytics.com/blog/dfa-one-to-one/ Find more at https://digitalfinanceanalytics.com/b
It’s Edwin’s Monday Evening Property Rant!
July numbers are in, and price falls are widening, while listings rise, so what does this mean really? Well, in to-night’s show Edwin and I dive into the detail to figure this out. We also consider the risks from mold and trip hazards, and hidden cameras in property viewing. And Edwin has a tip which … Continue reading "It’s Edwin’s Monday Evening Property Rant!"
The Australian Property Horror Show Continues…
The latest data shows a deepening housing downturn, which has hit major capital city markets in Sydney and Melbourne hardest and is driving a vendor retreat. Cue The Benny Hill Music… Average home prices across all major centres are off their past peaks, something which will be confirmed when the property analysts publish their results … Continue reading "The Australian Property Horror Show
Hopium Rules Markets, (Despite More Questions On AI, Rates And Energy) For Now…
This is our latest weekly market update, where we start in the US, cross to Europe and Asia and end in Australia covering commodities and crypto along the way. As we exit July, superficially at least markets rebounded from volatile moves during the week as a bunch of macro issues from the future path of … Continue reading "Hopium Rules Markets, (Despite More Questions On AI, Rates And Energy
Robbed Again: Banks Behaving Badly Making Mortgages More Expensive!
According to a recent ASIC report, millions of Australians rely on mortgage offset accounts to reduce the cost of their home loan, but an ASIC review has found customers may have been unknowingly paying more interest than they should because some banks failed to properly manage offset accounts. That’s because banks have not been delivering … Continue reading "Robbed Again: Banks Behavi
Is The FED All Talk And No Trousers?
Given the importance of the Federal Reserve to the global economy, I always watch the press conference after the Monetary Policy rate decision, the latest of which happened on Wednesday afternoon. Warsh evidently considering doing away with press conferences and on the performance we got, that may not be a bad idea. Actually, he spent … Continue reading "Is The FED All Talk And No Trousers?"
Inflation: Still A Massive Problem For Australia!
Do not be fooled, because while the ABS released a set of CPI reports today for June which were just a tad lower than market expectations, surging home-building and services costs could still force the Reserve Bank of Australia to raise interest rates later this year. They included the June monthly, and the quarterly series, … Continue reading "Inflation: Still A Massive Problem For Australi
DFA Live Q&A: The Great Australian Property Bust: For How Long? With Leith van Onselen
In this edit of our live show I was joined by Leith van Onselen Chief Economist at Macrobusiness and Nucleus Wealth. We examined the latest economic and political drivers of the housing market. How will this play out, and will Government intervention change the story, or are we set for a long drawn-out slide? Go … Continue reading "DFA Live Q&A: The Great Australian Property Bust: For Ho
It’s Edwin’s Monday Evening Property Rant!
The latest from our property insider, Edwin Almeida, as we parse the latest industry commentary on the property market. Are the falls significant and widespread, and will they continue? What can we tell from previous property cycles? If you are buying your home in Sydney’s contentious market, you do not need to stand alone. This … Continue reading "It’s Edwin’s Monday Evening Pro
The Great Australian Property Bust… For How Long?
The evidence is gathering that the Australian property market is continuing to wilt, as buyer sentiment remains subdued. And the truth is, we are probably only in the foothills of the property bust so far. This week’s preliminary auction clearance rate was 52.4 per cent across 1421 auctions, according to Cotality research. It’s the third … Continue reading "The Great Australian Property Bust
Markets React To Red Light Warnings from AI, Inflation, Energy Wars and Tariffs!
This is our weekly market update where we start in the US, cross to Europe and Asia and end in Australia covering commodities and crypto along the way. Most markets posted weekly losses, dragged down by the widening conflict in the Middle East, concerns over heavy capital spending by major names such as Alphabet and … Continue reading "Markets React To Red Light Warnings from AI, Inflation,
A Deep Dive On Central Coast Property!
In this show I look at post code 2251, (Avoca Beach, Bensville, Copacabana, Davistown, Green Point, Kincumber, Macmasters Beach, Saratoga, Yattalunga) and examine the latest price trends and broader drivers of this area. The 2251 area around Copacabana and Davistown is best understood as a mature, high‑amenity coastal and waterfront cluster with limited capacity for … Continue reading "A Dee
The Case For More Rate Hikes Builds As Job Markets Remains (Mostly) Strong!
Today we got the ABS Labour Force data for June 2026 and the strong result cements further the likelihood of another RBA rate hike this year. Traders are now pricing in a 36 per cent chance of higher borrowing costs when the RBA meets next month and are now fully priced for one more increase … Continue reading "The Case For More Rate Hikes Builds As Job Markets Remains (Mostly) Strong!"
Home Price Momentum Crushed By Credit Drought!
One of the critical factors in our core market model is a set of linkages between home price momentum and input factors, such as demand, migration, interest rates, Government incentives, inflation and availability of credit. Each has an influence on the others, and on the trajectory of home prices. But the greatest of these is … Continue reading "Home Price Momentum Crushed By Credit Drought
It’s Edwin’s Monday Evening Property Rant!
Another deep dive into property dynamics with our insider Edwin Almeida. And check out our live show with Edwin tomorrow as he talks about enhancing property search. https://youtube.com/live/7kWk2lQ6ZRQ If you are buying your home in Sydney’s contentious market, you do not need to stand alone. This is the time you need to have Edwin from … Continue reading "It’s Edwin’s Monday Ev
Gazundering Is Back Baby, As Home Prices Fall Further!
There a couple of terms which can create fear and panic among those looking to buy and sell property. In a hot market, Gazumping is an underhand technique whereby a seller accepts a higher offer from another buyer before contracts are signed and exchanged. The reverse, in a falling or buyers market is Gazundering which … Continue reading "Gazundering Is Back Baby, As Home Prices Fall Further
Brutal Markets Pivot On AI, Chips And Energy; Despite Earnings Hopes!
This is our weekly market update, where we start in the US, cross to Europe and Asia and end in Australia, covering commodities and crypo along the way. Share indexes tumbled around the world on Friday, despite strong results reported from the US banks on heavy trading, as heavyweight chip stocks plunged for a third … Continue reading "Brutal Markets Pivot On AI, Chips And Energy; Despite Ea
Can A Housing Downturn Improve Australia’s Productivity?
We had more data this week, continuing to build out the picture of falling home prices, reaching more suburbs, and taking a deeper dive. For many this is shocking, after all, the belief in the one-way street of property price rises was deeply entrenched. But perhaps this is now changing. For example, the latest Westpac-Melbourne … Continue reading "Can A Housing Downturn Improve Australia’s
The Private Credit Time Bomb…
During my recent live stream with Damian Klassen from Nucleus Wealth, we touched on Private Credit and the building risks from this opaque form of lending. It provoked a number of our followers to get in touch about these risks, expressing concerns that the risks in this unregulated area of finance could well pose a … Continue reading "The Private Credit Time Bomb…"
New Zealand Property Still Stuck In Cautious Mode!
The REINZ released their June 2026 data today, showing national conditions remaining cautious while regional differences continuing to shape the overall picture. The New Zealand housing market has become a series of local markets moving at different speeds. Buyers and sellers in one part of the country are having a very different experience from those … Continue reading "New Zealand Property
DFA Live Q&A HD Replay: Investing Now: AI, Chips And Energy Puzzles: With Damien Klassen
In this live show we examined the latest market dynamics, as AI, Chips and Energy pull in different directions, even as we move into a higher inflation results season. I was joined by Damien Klassen, Head of Investments at Nucleus Wealth and Walk The World Funds. Go to the Walk The World Universe at https://walktheworld.com.au/ … Continue reading "DFA Live Q&A HD Replay: Investing Now: A
It’s Edwin’s Monday Evening Property Rant!
This week we explore the panic setting into the property media, and compare it with reality on the ground. Truth is, there is much noise and fury being fired by vested interests, from developers, agents and other parties. Where does truth lay, and what does the data really tell us? Renters are also in the … Continue reading "It’s Edwin’s Monday Evening Property Rant!"
Will “Cheaper” Property Attract More Buyers, Or Will Prices Fall Some More?
We are at an interesting inflection point in the Australian property market, with housing affordability perhaps easing just a tad, even as more supply is coming, at a time when interest rates are expected to still go higher. Demand remains quite strong, supported by still strong migration, but the data is still sending conflicting signals … Continue reading "Will “Cheaper” Property Attract M
The Markets’ Big Questions On AI, Chips And Energy!
This is our weekly market update, where we start in the US, cross to Europe and Asia and end in Australia, covering commodities and crypto along the way. Another crazy week on markets as the latest headlines from Iran briefly rippled through oil, Treasury yields and currency markets, reviving all too familiar questions about inflation, … Continue reading "The Markets’ Big Questions On AI, Ch
What Happens When The Digital Prison Faulters?
Once again Australians have been hit by a serious telecommunications outage which started Wednesday morning, at 4:20am triggered Telstra says by a “software issue” when a human was working on their system. Rather opaquely they said that a particular node restarted as work was happening on it, and as it restarted a software glitch was … Continue reading "What Happens When The Digi
The Sheer Pain Of Renting In Australia!
Earlier in the week I highlighted that rental stress across Australia reach a eye-watering 75.5% of those who are currently renting, according to my rolling surveys. This means that more than 2.35 million households who are renting have a cash flow problem. It is a national disgrace, and is probably the most symbolic aspect of … Continue reading "The Sheer Pain Of Renting In Australia!"
Kiwis Get Another Rate Hike, Despite Oil Price Falls!
Specifically, recent energy cost increases could still flow through to consumer prices, Non-tradable inflation remains high, with the risk that administered (i.e. government-set) price inflation could remain strong, Firms could become more sensitive to cost increases against a backdrop of elevated inflation and lift prices in response; Firms might also be inclined to slip through … Continue
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