This thesis evaluates the effectiveness of the prescribed design and distribution requirements of the Australian Government's home loan key facts sheets (KFS) aimed at helping borrowers compare loan costs. The findings show that despite effectively improving borrower decision-making, few borrowers were aware of their existence and function. It was also demonstrated that KFS have had limited market impact over the four year window since introduction, likely due to the requirement that KFS provision is not required unless formally requested by a borrower. Recommendations include transferring the burden of disclosure to lenders in the first instance to address this information gap
A review of small amount credit contract regulation in Australia began in 2015 as mandated under s 3...
This paper empirically examines key factors that may affect mortgage yield spreads of banks and mort...
We exploit detailed data on approved and rejected small business loans to assess the impact of the i...
Regulators have long been interested in protecting consumers borrowing for a home as it is likely th...
During the 1990s, amidst spiraling house prices and accessible credit, national governments in the N...
Mortgage affordability and the ability to purchase a home has become a highly sensitive political is...
This issues paper is part of a research project investigating of the effectiveness of mandatory comp...
Summary. The analysis reported in this article incorporates direct measures of borrow ing constrain ...
Households combine their personal savings and mortgage debt to finance their home purchases. In deve...
One recent means of addressing the supposed asymmetry of knowledge between finance providers and con...
Purpose: The purpose of this paper is to identify changes in bank lending criteria due to the GFC an...
We show that failing to correct for both sample selection and endogeneity bias leads to an under-est...
The paper explores major reasons for recent proliferation in a number of home loan products, and pro...
This thesis investigates the relationships between household balance sheets, credit conditions and a...
This study considers factors linked to household preference for fixed rate mortgages (FRMs) or adjus...
A review of small amount credit contract regulation in Australia began in 2015 as mandated under s 3...
This paper empirically examines key factors that may affect mortgage yield spreads of banks and mort...
We exploit detailed data on approved and rejected small business loans to assess the impact of the i...
Regulators have long been interested in protecting consumers borrowing for a home as it is likely th...
During the 1990s, amidst spiraling house prices and accessible credit, national governments in the N...
Mortgage affordability and the ability to purchase a home has become a highly sensitive political is...
This issues paper is part of a research project investigating of the effectiveness of mandatory comp...
Summary. The analysis reported in this article incorporates direct measures of borrow ing constrain ...
Households combine their personal savings and mortgage debt to finance their home purchases. In deve...
One recent means of addressing the supposed asymmetry of knowledge between finance providers and con...
Purpose: The purpose of this paper is to identify changes in bank lending criteria due to the GFC an...
We show that failing to correct for both sample selection and endogeneity bias leads to an under-est...
The paper explores major reasons for recent proliferation in a number of home loan products, and pro...
This thesis investigates the relationships between household balance sheets, credit conditions and a...
This study considers factors linked to household preference for fixed rate mortgages (FRMs) or adjus...
A review of small amount credit contract regulation in Australia began in 2015 as mandated under s 3...
This paper empirically examines key factors that may affect mortgage yield spreads of banks and mort...
We exploit detailed data on approved and rejected small business loans to assess the impact of the i...