With the Reserve Bank largely expected to hold rates when the Board meets again tomorrow, economists are starting to contemplate when the next potential rate cut could happen.
According to AMP’s chief economist Shane Oliver, the Reserve Bank will wait until at least October before moving again on rates.
“Even though inflation is at the bottom of the RBA’s target range, recent commentary from the RBA has indicated a relatively relaxed stance on the economic outlook and various economic data releases over the last month including for retail sales and house prices have indicated a somewhat stronger tone,” he said.
“Ultimately, we see the RBA resuming rate cuts again around October as growth indicators return to a softer tone and inflation remains benign, but for now we expect the RBA to remain in wait and see mode.”
Mr Oliver said economists would no doubt look at the RBA’s Statement on Monetary Policy for clues as to how long the wait and see mode might last.
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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.
Understanding the different financing options available to investors and how each of them can affect the growth of your portfolio is as important as mapping economic drivers and their influence on your assets.
Being well-acquainted with the ins and outs of property financing starts in understanding mortgages and interest rates, knowing the difference between loan products and features and being able to comply with the rules of taxation.
Is your property worth its weight in gold—from upfront costs such as deposit and stamp duty to ongoing costs including mortgage repayments and maintenance fees?
What is the difference between principal-and-interest loans and interest-only loans? Should you go for variable rates, fixed rates or split rates? Are offset accounts and redraw facilities worth the extra costs?
Are you getting the most out of your tax deductions? Is negative gearing a good strategy for you?
What is the ‘capital to cash flow curve’? How can you improve your credit score and, ultimately, your serviceability?
The ability to set up finance structures that match the investor’s goals, capabilities and risk appetite spells the difference between those who can access finance for a multi-property portfolio and those whose lack of borrowing power had them stuck with one property.
A knowledge on finance can help you thrive through unpredictable market movements, allowing you to protect your asset through various safety buffers and even craft a potential exit strategy should you feel the need to postpone your wealth-creation journey—all without having to overcapitalise.
Smart Property Investment gives you an insight on various financial news and advice from experts and seasoned investors. We gather up-to-date data and information on states and territories’ annual budgets, RBA cash rate decisions, lending regulations, market trends on lending and finance and the government’s influence on property financing.
The Finance section also covers expert advice and investor stories that will help you improve your financial literacy and ultimately identify the most effective finance strategies and solutions in today’s property market
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string(2804) "Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.
In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.
They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.
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: Facebook, Twitter 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:
How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body
RELATED AREAS OF INTEREST:
Hobart
Bondi
Deception Bay
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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.
Understanding the different financing options available to investors and how each of them can affect the growth of your portfolio is as important as mapping economic drivers and their influence on your assets.
Being well-acquainted with the ins and outs of property financing starts in understanding mortgages and interest rates, knowing the difference between loan products and features and being able to comply with the rules of taxation.
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What is the difference between principal-and-interest loans and interest-only loans? Should you go for variable rates, fixed rates or split rates? Are offset accounts and redraw facilities worth the extra costs?
Are you getting the most out of your tax deductions? Is negative gearing a good strategy for you?
What is the ‘capital to cash flow curve’? How can you improve your credit score and, ultimately, your serviceability?
The ability to set up finance structures that match the investor’s goals, capabilities and risk appetite spells the difference between those who can access finance for a multi-property portfolio and those whose lack of borrowing power had them stuck with one property.
A knowledge on finance can help you thrive through unpredictable market movements, allowing you to protect your asset through various safety buffers and even craft a potential exit strategy should you feel the need to postpone your wealth-creation journey—all without having to overcapitalise.
Smart Property Investment gives you an insight on various financial news and advice from experts and seasoned investors. We gather up-to-date data and information on states and territories’ annual budgets, RBA cash rate decisions, lending regulations, market trends on lending and finance and the government’s influence on property financing.
The Finance section also covers expert advice and investor stories that will help you improve your financial literacy and ultimately identify the most effective finance strategies and solutions in today’s property market
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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital in a number of decisions which she made along the way.
Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.
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: Facebook, Twitter 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:
How the Australian property marketplace could change
How to double the power of your deposit
The different reasons to start rentvesting
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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.
Understanding the different financing options available to investors and how each of them can affect the growth of your portfolio is as important as mapping economic drivers and their influence on your assets.
Being well-acquainted with the ins and outs of property financing starts in understanding mortgages and interest rates, knowing the difference between loan products and features and being able to comply with the rules of taxation.
Is your property worth its weight in gold—from upfront costs such as deposit and stamp duty to ongoing costs including mortgage repayments and maintenance fees?
What is the difference between principal-and-interest loans and interest-only loans? Should you go for variable rates, fixed rates or split rates? Are offset accounts and redraw facilities worth the extra costs?
Are you getting the most out of your tax deductions? Is negative gearing a good strategy for you?
What is the ‘capital to cash flow curve’? How can you improve your credit score and, ultimately, your serviceability?
The ability to set up finance structures that match the investor’s goals, capabilities and risk appetite spells the difference between those who can access finance for a multi-property portfolio and those whose lack of borrowing power had them stuck with one property.
A knowledge on finance can help you thrive through unpredictable market movements, allowing you to protect your asset through various safety buffers and even craft a potential exit strategy should you feel the need to postpone your wealth-creation journey—all without having to overcapitalise.
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The Finance section also covers expert advice and investor stories that will help you improve your financial literacy and ultimately identify the most effective finance strategies and solutions in today’s property market
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