Finance advice

Look for a lower rate

By Shane Oliver

With continuing uncertainty around how the banks respond to RBA rate announcements, Shane Oliver suggests investors find opportunity in lenders that go against the grain

 

December and January saw more favourable data coming out of the United States and China, but their global outlook remains pretty uncertain, highlighted by the World Bank’s revising downwards its 2012 growth forecast.

Domestically, retail sales have been lacklustre, while consumer and business confidence is running below longer term average levels.

The labour market continues to soften, although recent data have been somewhat confusing. With zero jobs growth last year, I expect inflation in Australia to remain reasonably benign – all of that putting the case for a rate cut.

And then there’s the banks’ cost of funding issue. The banks are clearly under pressure and earlier in the year there was even talk that if the central bank didn’t cut the cash rate then the banks might raise their own rates, while if the RBA did cut, the banks wouldn’t move.

As we have seen before, banks’ not passing on cuts generally causes a bit of a shock and some political controversy, which in itself causes people to sit up and take notice.

As a rule, it’s important to remember that the Reserve Bank still has a hefty influence on the cost of funding for the banks and so investors need to monitor its decisions.

You might have a situation in which some banks refuse to move whereas others do. This opens up marketing opportunities for the smaller banks or even one or two of the larger banks, which can go against the grain and offer their customers a lower rate.

Again, borrowers need to be conscious of what’s going on out there, and that there will still be opportunities for them to get cheaper rates. We might find a new flexibility through which borrowers become more willing to move from lender to lender.

It really comes down to where each bank finds itself, what sort of funding situation they are in – and also what is their market share.

Investors should be prepared to move between lenders – that is the key here.

I’m not saying the market is uncompetitive; I think it is highly competitive.

If, by comparison, you go back a few years and look at the aviation industry, the fares that Ansett and Australian Airlines used to charge respectively were basically the same for flights between the major capital cities.

The departure times were pretty much the same as well.

What has happened now is that they have all basically parted company, the prices vary widely and the departure times are different.

This has created opportunities for travellers who want more flexibility.

If you compare that situation to the mortgage industry, Australians with tighter budgets who need to save on their mortgage will find opportunity in lenders that are willing to drop their rates – provided those borrowers are flexible about switching between banks.

They should also not just consider moving between the big banks, but looking to the smaller lenders as well. This situation might actually provide opportunities for some of the smaller financial institutions. But it’s really up to investors to be a bit more flexible regarding moving around.

Shane Oliver is AMP’s chief economist

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Karen Davies is a regular listener of the Smart Property Investment Show and is almost ready to leap into the world of property investment in Australia. Taking advantage of her position as a first home buyer and utilising her super for her first investment deposit, Karen shares her plans with host Phil Tarrant. 

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She shares the life altering changes that she will need to make to purchase a property using the strategy which she wishes to employ and discusses how her career changes which have seen her transition from music management to engineering in just seven years have prepared her for such movements.
 
Karen unpacks the strides that she has made so far toward her first property investment, the process of using funds from her super as a deposit and her plans for building a portfolio going forward.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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      More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

      " ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-19 06:00:15" ["slug"]=> string(80) "18568:creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect" ["catslug"]=> string(20) "82:property-showcase" ["link"]=> string(108) "/podcasts/property-showcase/18568-creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect" }
Creating equity in a falling market and a long-term view of what to expect

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