1 MIN AGO: Melbourne in CHAOS as Families DEFAULT on Mortgages — This Is HUGE!

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Victoria now holds Australia's highest mortgage arrears rate at 1.08% according to S&P Global Ratings data. In this comprehensive analysis, we examine how Melbourne's property market is navigating significant financial pressure following thirteen consecutive RBA interest rate increases between May 2022 and November 2023.

We break down the real numbers behind Melbourne mortgage stress, including which suburbs are most affected (Craigieburn leads nationally at 3.10% delinquency rate), how the fixed-rate cliff impacted hundreds of thousands of borrowers, and what the data actually shows about property values, auction clearance rates, and housing affordability in Australia's second-largest city.
This video covers verified statistics from CoreLogic, Roy Morgan Research, Digital Finance Analytics, the Reserve Bank of Australia, and S&P Global Ratings to give you the complete picture of Melbourne's current real estate situation.

📊 Key Topics Covered:
Victoria's mortgage arrears rate vs national average
Melbourne property prices and market performance since 2022
The fixed-rate mortgage cliff explained
Suburbs with highest mortgage stress concentrations
Construction sector pressures and builder insolvencies
RBA interest rate timeline and 2025 rate cuts
Housing affordability metrics and price-to-income ratios
Expert forecasts for Melbourne's property market
Whether you're a property investor, homeowner, first-home buyer, or simply following Australia's housing market trends, this analysis provides the data-driven insights you need to understand what's really happening in Melbourne real estate.

📚 SOURCES & REFERENCES:
Mortgage Stress & Arrears Data:
Roy Morgan - Mortgage Stress Analysis August 2025: https://www.roymorgan.com/findings/99...
Roy Morgan - Mortgage Stress Risk January 2025: https://www.roymorgan.com/findings/98...
S&P Global/Broker Daily - Victoria Highest Arrears: https://www.brokerdaily.au/borrower/1...
Reserve Bank of Australia:
RBA Cash Rate Target History: https://www.rba.gov.au/statistics/cas...
RBA Financial Stability Review October 2025: https://www.rba.gov.au/publications/f...
Property Market Data:
ANZ-CoreLogic Housing Affordability Report November 2024: https://www.anz.com.au/content/dam/an...
OpenAgent - Melbourne Property Market Data 2025: https://www.openagent.com.au/suburb-p...

Suburb-Level Stress Data:
Star Weekly - Mortgage Stress Hits Postcode 3064: https://northern.starweekly.com.au/ne...
The Nightly - Moody's Melbourne Arrears Data: https://thenightly.com.au/business/mo...
InfoChoice - CoreLogic & Moody's Delinquency Rates: https://www.infochoice.com.au/news/co...
Construction Sector:
HIA - New Home Building at Decade Lows: https://hia.com.au/our-industry/newsr...
HIA - Victoria No Longer Leader in Home Building: https://hia.com.au/our-industry/newsr...

⚠️ Disclaimer: This video is for educational purposes only and does not constitute financial advice. Always consult qualified professionals before making investment decisions.

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Disclaimer:
We’re real estate enthusiasts—not licensed agents, appraisers, or financial advisors. All content is based on publicly available data, market observations, and personal opinions, and is shared for entertainment and general information only. Accuracy isn’t guaranteed. Always consult a qualified real estate professional, attorney, or financial advisor before making any property, investment, or relocation decisions.This video provides fact-based analysis without political bias—just economics, data, and real-world impact on families, developers, and the construction industry.