Nucleus Wealth is a Corporate Authorised Representative of Integrity Private Wealth AFSL 436298

Nucleus Insights : Housing, Australia’s favourite boom

Agenda

1. Market Structure (historical)

2. Current cycle

3. Lending Standards

4. Policy responses

5. Investment implications

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Australian

Housing

Is this the peak?

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Prices vs.

Rents

A Tale of 2 cities

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Australian

Housing stock

ANZ wins fools gold

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Australian

Debt

Debt ballooning

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Young

owners

The end of

the dream?

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Rental Prices

Rental yields falling

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Current Cycle

Falling finance,

falling prices?

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Current Cycle

Grim prospects

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Current Cycle

Clearance rates

looking ominous

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Lending

Standards

Dodgy as hell

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Dodgy Expenses

Lending

Standards

Dodgy as hell

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Dodgy Income

Lending

Standards

Dodgy as hell

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Dodgy Leverage

Lending

Standards

Dodgy as hell

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Population

An inflexion to

where?

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

Policy

Responses

Guvmint to the rescue?

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

• Monetary Policy

• Macroprudential

• Fiscal Policy

• Tax Policy

Investment

Impacts

Where we look

Leith Van Onselen

David Llewellyn Smith

Tim Fuller

Damien Klassen

• Banks

• Property developers

• Retailers

• Internationally exposed

industrials

Investing with Nucleus

Wealth

Investing with Nucleus

Wealth

Investing with Nucleus

Wealth

• Complete investment solution

• 19 individual ethical screens

• Experienced investment managers

• Completely transparent

• Lower fees as we get rid of the multiple layers of middle-men between you and your money

• Tax effective

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