Finance advice

US debt ceiling to impact Aussie rates

By Stefanie Garber

The financial situation in the United States could prompt a rate hike in Australia, a major loan comparison site has warned.

Finder.com.au said interest rates in the Australian home loan market could rise as a consequence of the United States raising its debt ceiling.

“Our lenders source about a quarter of their funding from offshore, according to the Reserve Bank. So even a small amount of funding pressure will likely impact the cost of home loans, as lenders would pass on the costs to borrowers,” finder.com.au spokesperson Michelle Hutchinson said.

However, AMP chief economist Shane Oliver dismissed the idea the Reserve Bank might raise rates in reaction to the debt ceiling vote.

He said raising the debt ceiling would remove a risk to the global economy, which would be thrown into crisis if the USA defaulted on its loans.

“If the USA had not increased the debt ceiling and defaulted, the crisis could have caused the RBA to cut interest rates. But just because the RBA won’t cut rates, doesn’t mean they will raise them,” he said.

The Australian recovery continues to be subdued, so the Reserve Bank is unlikely to increase rates until next year, he said.

Finder.com.au claimed an interest rate increase of 0.25 percentage points could push up monthly repayments on the total value of home loans by about $233 million.

“It's important for borrowers to be prepared for rising interest rates because it's only a matter of time before rates rise. And the United States could be speeding this up much faster than we expected,” Ms Hutchinson said.

The debt ceiling represents the total value of government borrowing, usually issued in the form of treasury bonds and securities.

The US Congress voted on Wednesday to temporarily raise the ceiling until 7 February 2014.

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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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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: FacebookTwitter and LinkedIn.

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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.

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Why buying new property doesn’t mean buying better property

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