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On the other side of the equation, Workman says that interest rates, household income and population will also keep demand in check. "With no interest rate cuts likely, we believe that modest household income growth, via weak wages growth, will limit demand pressures. Some demand conditions, like firm population and jobs Mortgage brokers Oak Laurel Carseldine, Carseldine QLD 4034 growth will remain positive for housing demand, but not as positive as previously," he says. So quite a few headwinds on both sides, although, as seen in the CBA's forecasts below, it still expects capital city house prices to rise by a further 5% in 2017, led by gains in Sydney and Melbourne. Provided by Business Insider Inc This, says Workman, will worsen housing affordability, laying the platform for an even fiercer debate than the one currently being observed. "The amount required as a proportion of annual average household disposable income for a 20% deposit on a dwelling purchase continues to move well beyond the reach of most households," he says. As this chart from the CBA shows, the amount for a 20% housing deposit in Australia -- having hovered around 100% of a household's average annual disposable income from 2003 to 2008 -- has jackknifed in recent years, courtesy of house prices rising far quicker than income levels. "So affordability, from a deposit view point, is likely to worsen, not improve as housing prices rise," says Workman. Provided by Business Insider Inc He also says that housing investors -- blamed by some for exacerbating affordability for prospective first-time buyers -- will continue to be a significant influence on housing prices "until federal tax laws favouring leveraged housing investment are reformed". "The federal government controls some of the significant demand factors for housing markets.
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