Finance advice

Next rate movement will be up: AMP

By Staff Reporter

Despite budget deficits ‘as far as the eye can see’, the cash rate will likely remain on hold for most of 2014 before it once again begins to rise, according to AMP.

Shane Oliver, head of investment strategy and chief economist at AMP Capital, said economic news coming out of Australia is mixed – but it should be better.

“The news flow out of Australia hasn’t been so positive, with the announcement of yet another deterioration in the outlook for the budget deficit, with the release of the mid-year budget review – with deficits are far as the eye can see – mainly reflecting a further lowering in nominal growth assumptions,” he said.

“Note though that there is a big element in this of the new government wanting to paint as bleak a picture as possible to help set the scene for significant spending cuts in the May Budget and then engineer a turnaround.

“Based on the Treasurer’s comments, the clear focus will be on spending cuts as opposed to tax hikes and in the interest of boosting productivity in the economy, this is the best way to go. The cuts to projected spending growth are likely to focus on welfare, health and possibly education. With the tailwind from the mining boom largely over and the impact of the aging population set to hit in the decade ahead, I doubt we have any choice really.

“While Australia’s budget deficits and net debt (peaking at 16 per cent of GDP) are low by US, European and Japanese standards and ratings agencies don’t seem too fussed, the latest deficit blowouts remind us again how badly our public finances have gone despite the biggest boom in our history, which should have left them in good shape.”

Mr Oliver said despite the negative news, AMP continues to believe rates will remain steady for most of 2014.

“On the interest rate front, the minutes from the last RBA [Reserve Bank of Australia] meeting and parliamentary testimony from Governor Stevens reiterated that while the RBA has not closed the door on cutting interest rates again, it would prefer not to with borrowing costs not being a constraint on growth signs rate cuts have not got some traction and limitations on how much monetary policy can do anyway,” he said.

“Rather, the Governor’s focus remains on jawboning the Australian dollar lower and rightly continuing to advocate the case for ‘pro-growth, pro-productivity, confidence building reforms’.

“While the risks to Australian interest rates remain on the downside, our view remains that the most likely outcome over the year ahead is for interest rates to remain on hold at 2.5 per cent, ahead of eventual rate hikes late in 2014 as the economy starts to pick up.”

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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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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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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.

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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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AREAS MENTIONED:

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.

" ["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) "2018-09-17 06:16:11" ["slug"]=> string(69) "18556:getting-finance-approved-in-this-tightening-lending-environment" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(89) "/investor-stories-1/18556-getting-finance-approved-in-this-tightening-lending-environment" }
Getting finance approved in this tightening lending environment

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