Property
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Australia's housing market is entering a ‘broad-based correction phase’
Westpac believes the housing market downturn is now underway.
With higher interest rates on the horizon, the bank is forecasting larger house price declines than previously expected.
" ["fulltext"]=> string(3488) "ANZ has made a major revision to its house price forecasts for 2022 with a fall of 3 per cent now expected on average across the capital cities, down from its previous prediction of an 8 per cent rise.
House prices next year are also expected to decline more than the bank predicted in its earlier forecasts made before the Reserve Bank (RBA) kicked off its rapid tightening cycle, with a drop of 8 per cent rather than 6 per cent now anticipated.
“While the return of immigration, falling unemployment and rising wages will be supportive factors, higher rates will trump the positive fundamentals, and we expect national prices to turn down this year,” commented ANZ senior economists Felicity Emmett and Adelaide Timbrell.
Sydney and Melbourne, which have both suffered a decline in prices so far this year, are expected to be the worst performers by the year’s end.
ANZ has predicted a fall of 7 per cent for Sydney in 2022 and 8 per cent in 2023 while Melbourne is forecast to experience a fall of 5 per cent this year and 6 per cent next year.
Price growth will persist in Adelaide, Brisbane and Perth, according to the bank’s outlook, which have been among the strongest performers so far this year.
However, 2023 is then expected to bring significant falls of 13 per cent for Adelaide, 9 per cent for Brisbane and 7 per cent for Perth.
“Rising fixed mortgage rates, macroprudential tightening, elevated supply and affordability constraints were weighing on the market before the cash rate began to rise earlier this month. Auction clearance rates are trending lower and are likely to continue to do so,” said Ms Emmett and Ms Timbrell.
“Housing finance for both investors and owner-occupiers is high, but growth has slowed sharply. Sentiment about house prices has also turned lower. Working in the other direction, rising immigration, a tight rental market, cashed-up households and falling unemployment will be supportive.”
ANZ’s forecasts put the cash rate at 2.35 per cent by mid-2023, which the bank said would push variable mortgage rates to around 4.75 per cent.
“This will significantly reduce borrowing capacity, which will flow through to lower prices. We think that reduced borrowing capacity will be the key driver of lower prices and see only a very small risk of forced selling,” the ANZ economists said.
But the bank said it was confident that households would be able to cope with the impacts of looming higher interest rates.
“Undoubtedly some will struggle with higher repayments, but on average households are well ahead on their mortgage repayments, have large savings buffers and a promising outlook for both jobs and incomes,” Ms Emmett and Ms Timbrell said.
“After a peak-to-trough rise in house prices of 25 per cent since late 2020, our forecast decline of 11 per cent will still put prices well above pre-pandemic levels. Falling house prices will weigh on consumer spending through the wealth effect, but high savings will provide a solid buffer.”
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Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, property and stock market." ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2022-05-18 00:25:19" ["slug"]=> string(58) "18333:anz-now-expects-house-prices-will-end-the-year-lower" ["event"]=> object(stdClass)#8405 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "- Yes
With higher interest rates on the horizon, the bank is forecasting larger house price declines than previously expected.
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["alias"]=> string(62) "which-capital-cities-are-most-attractive-to-property-investors" ["introtext"]=> string(123) "A new survey has suggested that investor attention is shifting away from Australia’s two largest capital cities.
" ["fulltext"]=> string(2786) "Perth has been rated as the most popular capital city property market, according to a survey of property investors planning to buy within the next year.
The national survey from Perth-based property advisory Momentum Wealth found that 40 per cent of investors preferred the West Australian capital, beating out Brisbane which was seen as the preferred market by 32 per cent of investors.
“With a large response from WA-based investors, we expected some homegrown preference in our survey results,” explained Momentum Wealth MD and founder Damian Collins.
“However, our findings confirm that Australia-wide, investor confidence in Sydney and Melbourne is experiencing a decline, while Perth and Brisbane are gaining traction as preferred investment markets.”
Only 11 per cent of investors chose Sydney as their preferred market, while just 7 per cent said that Melbourne was the best location to invest.
The other capital cities ranked even lower, including Adelaide (5 per cent), Hobart (3 per cent), Darwin (1 per cent) and Canberra (1 per cent).
Those investors who favoured Brisbane cited the city’s affordability (35 per cent), its place in the housing cycle (29 per cent) and being named as the host of the 2032 Olympic Games (22 per cent) as the top reasons.
Meanwhile, those who chose Perth pointed to the value of the city’s property market (43 per cent) and its position in the housing cycle (21 per cent).
“Perth in particular offers investors considerable value for money,” said Mr Collins.
“The latest Housing Affordability Report by the Real Estate Institute of Australia confirms that in the December quarter of 2021, 26.2 per cent of household income was needed to service a home loan in WA, compared to 37.3 per cent in Victoria and 46.5 per cent in NSW.”
CoreLogic’s latest Home Value Index revealed that house prices in Perth moved 1.1 per cent higher during April despite declines in Sydney, Melbourne and Hobart.
Dwelling values in the capital reached a new record high according to the firm, after surpassing the previous record set in mid-2014 by 0.9 per cent.
Mr Collins predicted that growth in Perth would continue this year thanks to strong economic conditions, the continued tightening of stock on the market and an expected rise in demand.
“While stock levels remain well below long-term averages, the return of interstate and overseas migration into Perth will also underpin a significant uptick in demand for housing, so there is plenty of upside for investors who get into the market now,” he added.
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A new survey has suggested that investor attention is shifting away from Australia’s two largest capital cities.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(85) "/invest-money/property/which-capital-cities-are-most-attractive-to-property-investors" ["image"]=> string(47) "images/article-826x550/Perth-aerial-2019-ne.jpg" ["image_alt"]=> string(5) "Perth" } [2]=> object(stdClass)#7889 (57) { ["id"]=> int(18312) ["title"]=> string(65) "Market uncertainty fails to discourage foreign property investors" ["alias"]=> string(65) "market-uncertainty-fails-to-discourage-foreign-property-investors" ["introtext"]=> string(171) "While interest from foreign investors in Australian property has remained strong, HLB Mann Judd warned that tax increases could see demand shift to other markets.
" ["fulltext"]=> string(2947) "In spite of a range of challenges including pandemic-driven uncertainty, HLB Mann Judd Melbourne partner Josh Chye has suggested that demand and interest in Australian property from foreign investors remains strong.
“New enquiries from mainland Chinese investors have scaled back significantly but other parts of the Asia-Pacific region, including Singapore and Hong Kong, are consistently strong and Australia remains an attractive jurisdiction despite the relatively high taxation rates,” he said.
“This provides strong support of Australia’s property market despite concerns about rising interest rates or an economic downturn.”
Mr Chye pointed out that Australia has among the highest rates of taxation in the region for both individuals and corporates alongside above average tax costs for foreign buyers of real estate.
He indicated that increasing tax costs had become a cause for concern and frustration among some foreign buyers who could unexpectedly face higher costs including stamp duty or land tax.
“While the high tax rates are a consideration for many foreign buyers, this is balanced by the fact that Australia remains a stable jurisdiction for real estate investors. Price growth, particularly in Sydney and Melbourne, has also driven interest from foreign buyers,” Mr Chye noted.
“However, if there continues to be a trend of continued tax increases or removing of tax concessions solely focused on foreign investors, this will no doubt hurt Australia’s reputation and standing as a stable jurisdiction for foreign investors into Australia and other markets such as United States, Canada and the United Kingdom will increasingly look more attractive as also alternative destinations for real estate investments.”
While residential property prices in Sydney and Melbourne have started to decline, Mr Chye said that the recent stretch of strong growth meant that the local market was still attracting foreign investors.
“The recent harsh lockdown restrictions in China have created more interest in investing here. The key challenge is not the desire but the ability for foreign capital to be physically transferred here, as certain countries have tightened their controls around money leaving the country,” he suggested.
Additionally, Mr Chye argued that recent market uncertainty globally would most likely not have an impact on interest in Australian property assets.
“Inflation and interest rate increases are common across the globe so if rates go up, it will put pricing pressure on property, however the demand will still be there,” he said.
“The pricing pressure will be global so from that perspective, it should not detract from investors looking to acquire Australian property assets.”
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While interest from foreign investors in Australian property has remained strong, HLB Mann Judd warned that tax increases could see demand shift to other markets.
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["data":protected]=> object(stdClass)#8122 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(88) "/invest-money/property/market-uncertainty-fails-to-discourage-foreign-property-investors" ["image"]=> string(47) "images/article-826x550/mortgage-analysis-ne.jpg" ["image_alt"]=> string(18) "property investors" } [3]=> object(stdClass)#7888 (57) { ["id"]=> int(18311) ["title"]=> string(70) "Regional renters forced to spend more of their income than ever before" ["alias"]=> string(70) "regional-renters-forced-to-spend-more-of-their-income-than-ever-before" ["introtext"]=> string(122) "Renters in regional areas are spending nearly as much on rent as home owners are spending on mortgage repayments.
" ["fulltext"]=> string(2418) "Rental affordability has reached a record low in regional areas after the post-pandemic recovery and flexible work arrangements led to a surge in demand.
The latest ANZ CoreLogic Housing Affordability report indicated that regional renters spent 34.0 per cent of their income on rent while those in capital cities spent 28.0 per cent during the March quarter.
“The cost of renting is now almost on par with the cost of buying in regional Australia and in some ‘lifestyle’ markets people are spending more than half their income on rent,” said CoreLogic head of Australian research Eliza Owen.
In comparison, the two firms found that the portion of income required to service a new mortgage in regional areas was 38.3 per cent.
Nationally, the share of household income needed to service rent on a new lease reached 30.6 per cent, increasing from 29.8 per cent as of December last year and 28.5 per cent in the March quarter of 2020.
New record highs were reached in both Hobart (34.4 per cent) and Adelaide (31.6 per cent) during the latest quarter, above both Sydney (30.5 per cent) and Melbourne (24.3 per cent).
“Rental affordability conditions vary markedly between regions,” the report said.
“Relatively weak rental market conditions across Sydney and Melbourne, especially across the unit sector through the first year of the pandemic, meant the level of income required to service rent on a new lease has actually fallen in these cities since March 2020.”
Ms Owen said that rental affordability has deteriorated most rapidly in the Richmond - Tweed region of NSW that includes Byron Bay.
“The portion of income required to pay rent on a new lease increased to 53 per cent in March 2022 from 45 per cent two years prior,” she noted.
The next biggest increase was seen in the Southern Highlands and Shoalhaven in NSW, up 7.8 percentage points to 46.4 per cent, followed by increases of 6.7 percentage points for both the NSW Mid North Coast (46.3 per cent) and Coffs Harbour - Grafton (48.6 per cent).
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Renters in regional areas are spending nearly as much on rent as home owners are spending on mortgage repayments.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(93) "/invest-money/property/regional-renters-forced-to-spend-more-of-their-income-than-ever-before" ["image"]=> string(40) "images/article-826x550/rent-units-ne.jpg" ["image_alt"]=> string(6) "rental" } [4]=> object(stdClass)#7887 (57) { ["id"]=> int(18307) ["title"]=> string(67) "Aussie home buyers now need to save for over 11 years for a deposit" ["alias"]=> string(66) "aussie-homebuyers-now-need-to-save-for-over-11-years-for-a-deposit" ["introtext"]=> string(102) "Since early 2020, the time needed to save for a deposit has increased by more than two years.
" ["fulltext"]=> string(4881) "Prospective homeowners need to save for a record 11.4 years in order to be able to afford a 20 per cent deposit on a home, a new report from ANZ and CoreLogic has revealed.
The two firms found that the time needed to save for a deposit had surged by 2.2 years since March 2020 based on the national median dwelling value and assuming a household income savings rate of 15 per cent per annum.
“Looking at the back series of this metric, which extends to 2001, this is the fastest uplift in the metric over a two-year period on record,” said ANZ.
“It highlights the speed at which home values have risen through the current upswing, in which annual growth rates have been at their highest since the 1980s.”
In the combined capitals, the time to save for a deposit reached 11.2 years as of March this year, up from 9.6 years in March 2020, while the increase was even more substantial for the combined regional areas which recorded a rise from 7.8 years to 10.5 years.
Greater Sydney had the longest time required to save for a deposit out of all regions at 14.1 years, an increase of 2.1 years in comparison to March 2020.
“Rapid increases in housing values are a particular barrier for first home buyers compared with other home buyers. This is because those who already own property benefit from gains in home equity as dwelling values rise, while aspirational first home buyers do not,” ANZ said.
“Moreover, rising house prices lift the deposit hurdle for first home buyers, especially as housing price increases have outpaced growth in incomes by a substantial margin over time.”
The report indicated that home buyers needed to save for more than a decade for a deposit in the greater regions of Hobart (12.1 years), Melbourne (11.4 years), Brisbane (10.5 years) and Adelaide (10.5 years).
The greater regions of Darwin (5.2 years), Perth (7.7 years) and Canberra (9.7 years) were comparatively more affordable.
Other measures of housing affordability
ANZ and CoreLogic also reported that the portion of income required to service new mortgage repayments reached 41.4 per cent after rising for three consecutive quarters as a result of higher mortgage rates and property values.
“Affordability metrics on mortgage serviceability have remained below record highs seen in 2008, and below more recent highs in 2010, as the low cash rate environment has tempered interest costs, even at record price levels,” the report said.
“That said, ANZ expects the cash rate to rise to 2.25 per cent by May 2023, which would shift some of the challenges around housing affordability. Namely, housing values are expected to decline as interest costs rise. However, while lower house prices will lower the deposit hurdle, they won’t necessarily make housing more affordable.”
The two firms calculated that a buyer who took out a 30-year loan with a 20 per cent deposit would have a monthly mortgage repayment of $2,327 as of March this year.
If interest rates increase by 2.25 percentage points as predicted by ANZ, buyers would still have higher monthly repayments after a house price decline of 5 per cent ($2,920), 10 per cent ($2,766), 15 per cent ($2,612) and 20 per cent ($2,612).
Even after a fall of 25 per cent, a borrower would be forced to pay $2,305 per month, only slightly less than the repayments under ANZ and CoreLogic’s original scenario.
“Actual future scenarios may be very different in terms of the eventual peak in mortgage rates (with financial markets currently pricing in a lift in the cash rate to peak closer to 3.25 per cent), and the ultimate decline in housing prices,” the report noted.
“But weighing up higher interest costs with lower prices should be a key consideration for first home buyers. In turn, it is worth considering that mortgage repayments in these scenarios are not static over the life of the loan, and the interest rate cycle could drive interest costs higher or lower over time.”
The two firms also estimated that the national median dwelling value was 8.5 times the median annual household income nationally as of March 2022, a new record high for this measure and a significant increase on the ratio of 6.8 seen two years ago.
“The increase in the dwelling value to income ratio was largest across regional Australia, where property prices have risen substantially more than income,” said ANZ.
“Between March 2020 and March 2022, the value to household income ratio across combined regional Australia increased from 5.9 to 7.9, faster than the increase in the combined capital cities.”
The dwelling value to income ratio for the capitals sat at 8.4 in March this year compared to 7.2 in March 2020.
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Since early 2020, the time needed to save for a deposit has increased by more than two years.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(89) "/invest-money/property/aussie-homebuyers-now-need-to-save-for-over-11-years-for-a-deposit" ["image"]=> string(45) "images/article-826x550/house-coin-bank-ne.jpg" ["image_alt"]=> string(6) "saving" } [5]=> object(stdClass)#7886 (57) { ["id"]=> int(18302) ["title"]=> string(52) "HSBC forecasts 2023 house price decline of up to 10%" ["alias"]=> string(51) "hsbc-forecasts-2023-house-price-decline-of-up-to-10" ["introtext"]=> string(84) "The firm had previously predicted a modest rise for house prices next year.
" ["fulltext"]=> string(2642) "As a result of higher than expected inflation and anticipated interest rate rises, HSBC has forecast that house prices will fall between 5 and 10 per cent during 2023.
The firm, which previously predicted house price growth of between 1 and 4 per cent next year, now expects that the Reserve Bank (RBA) will raise the cash rate to 1.35 per cent by the end of this year and to 1.85 per cent by mid next year, ultimately impacting house prices.
“We expect demand for housing in the regional and smaller cities to remain above pre-pandemic levels, as the pandemic means increased work from home is a part of the 'new normal'. This should support housing prices in these areas more than in the largest cities,” said HSBC chief economist Paul Bloxham and economist Jamie Culling.
“We also expect the rental market to continue to tighten, lifting rents, as international migrants and students support demand, and housing investors seek rental return as capital gains diminish.”
HSBC maintained its view that house prices would rise by 5 to 9 per cent on average in 2022 with falls predicted to begin in the second half of the year.
House price growth nationally has slowed to 1 per cent year-to-date, after rising by 26 per cent since the third quarter of 2020 and 21 per cent in 2021 alone.
“Australia's housing market has boomed through much of the pandemic period, supported by the sharp fall in interest rates to all-time lows and the forward guidance from the RBA suggesting that rates would stay low,” the HSBC economists said.
“Supportive fiscal policy played a role too, by boosting household incomes, keeping workers attached to jobs through the wage subsidy scheme and direct measures to support housing construction.”
After the house price-to-income ratio reached 5.0 per cent in 2021, the highest on record, HSBC said that the anticipated decline in prices would likely improve affordability.
Based on a GDP forecast of 3.5 per cent in 2022 and 2.8 per cent in 2023, the firm expects that the house price-to-income ratio would fall to 4.7 per cent at the end of 2022 and 4.1 per cent at the end of 2023.
Thanks to a strong jobs market, tight lending standards and mortgage buffers, HSBC said that the impact on household financial stress should be limited.
“Very few borrowers are highly vulnerable to changes in cash flow or expenses,” HSBC said.
“Despite the risks to specific households, if our housing price forecasts eventuate, it is unlikely to hold large financial stability implications for Australia.
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The firm had previously predicted a modest rise for house prices next year.
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object(Joomla\Registry\Registry)#7847 (3) { ["data":protected]=> object(stdClass)#8070 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7861 (3) { ["data":protected]=> object(stdClass)#8065 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#8489 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8071 (3) { ["data":protected]=> object(stdClass)#8061 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8064 (3) { ["data":protected]=> object(stdClass)#8069 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#8487 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8068 (3) { ["data":protected]=> object(stdClass)#8066 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8067 (3) { ["data":protected]=> object(stdClass)#8103 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#8486 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8063 (3) { ["data":protected]=> object(stdClass)#8105 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8102 (3) { ["data":protected]=> object(stdClass)#8107 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#8496 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8104 (3) { ["data":protected]=> object(stdClass)#8112 (1) { ["options"]=> object(stdClass)#8110 (2) { ["options0"]=> object(stdClass)#8109 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8111 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8106 (3) { ["data":protected]=> object(stdClass)#8114 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#8393 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8108 (3) { ["data":protected]=> object(stdClass)#8116 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8113 (3) { ["data":protected]=> object(stdClass)#8118 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#8484 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8115 (3) { ["data":protected]=> object(stdClass)#8120 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8117 (3) { ["data":protected]=> object(stdClass)#8122 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(74) "/invest-money/property/hsbc-forecasts-2023-house-price-decline-of-up-to-10" ["image"]=> string(50) "images/article-826x550/falling-house-prices-ne.jpg" ["image_alt"]=> string(52) "HSBC forecasts 2023 house price decline of up to 10%" } }Subscribe to our newletters
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