Finance advice

Investors warned to prepare for rate hikes

By Reporter

The Reserve Bank of Australia left the official cash rate on hold yesterday, but homeowners are being told to brace themselves for what may come later in the year.

Shane Oliver, head of investment strategy and chief economist at AMP Capital, said some economists are finally giving up hopes of further rate cuts during this cycle, and rates are likely to remain on hold until around September or October.

Mr Oliver said even though RBA Governor Glenn Stevens can see encouraging evidence of a handover from mining-led growth to broader growth, this does not mean a rate hike is “imminent”.

“Yes there is increasing evidence that non-mining activity is on the mend, led by a likely boom in housing construction, but against this uncertainty remains the issue of how smooth the transition from mining to non-mining driven demand will be, worries about China and the resurgence in the value of the Australian dollar, and meanwhile inflation is benign,” he said.

A finder.com.au survey of Australia’s leading economists and banking experts also unanimously predicted the Reserve Bank would hold steady yesterday.

Despite the RBA's decision, finder.com.au is warning borrowers to start preparing for higher costs, with five out of the 11 experts surveyed predicting the cash rate will rise during the fourth quarter of 2014.

The five experts from Commonwealth Bank, CommSec, HSBC, ING DIRECT and St George Bank told finder.com.au that the RBA is tipped to increase the cash rate on Melbourne Cup Day at its November board meeting, or by the end of the year.

Finder.com.au’s Michelle Hutchison said now is the time to plan ahead before interest rates start to rise.

“If the official cash rate does increase by the end of the year, it’s likely that we will see home loan interest rates start creeping up before then," she said.

“So if you’re an existing borrower, it’s a good idea to review your budget and factor in higher costs now, before interest rates rise.”

Ms Hutchison said for every 0.25 percentage point increase an extra $50 would be added to the monthly repayments on a $300,000 loan, based on finder.com.au’s average variable rate of 5.37 per cent.

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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.

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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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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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: 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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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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