Finance advice

Prepare yourself for 9pc interest rates: BIS

By webmaster

Interest rates on Westpac home loans might just sit stable – for now – if comments from the bank's chief today are anything to go by.


Despite concessions that funding costs and a challenging business environment are putting increasing pressure on the bank, Westpac boss Gail Kelly has dismissed any plans to increase mortgage rates over and above any hike to the official cash rate, as set by the Reserve Bank of Australia (RBA).

According to the Daily Telegraph today, Ms Kelly said the bank was “comfortable” with its existing level of interest rates.

Ms Kelly’s comments follow weeks of speculation that increasing funding costs would see them lift interest rates as soon as the election was behind us.

While Ms Kelly’s words seem to rule out any increase in borrowing costs for Westpac customers in the near term, rising interest rates are on the horizon, according to leading economists.

While numerous pundits have factored in a number of 0.25 per cent hikes to the official cash rate before the year is out, there’s still some road to travel in terms of this rate cycle.

Forecasts from research and analyst firm BIS Shrapnel today predict labour shortages and strong economic growth will put increasing pressure on inflation, which will in turn put place pressure on the official cash rate.

BIS Shrapnel predicts mortgage rates could reach around 9 per cent by 2013/14.

For first home buyers entering the market, it is important to take consideration of this rising rate cycle.

When determining your ability to service your mortgage repayments it’s prudent to factor in a 2 to 3 per cent increase to interest rates. If you’re comfortable borrowing at that rate, and the numbers stack up, look to press ahead. If things look tight, consider revising your maximum borrowing limit.

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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!

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Sydney
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Adelaide

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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!

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Revesby
South Hurstville
Sans Souci
Strathfield

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

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!

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A joint property portfolio before they were even living together

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