Finance advice

Rate hikes loom ahead

By Reporter

A panel of financial experts has warned rates are likely to rise for the next three years, putting upwards pressure on investors’ repayments.

The survey conducted by finder.com.au asked 28 leading experts, including economists from the four major banks, when rates were expected to rise.

While the experts unanimously agreed rates would stay on hold in October, all predicted a rise next year.

Of the respondents, 46 per cent predicted a rise in the third quarter of 2015, 21 per cent in the first quarter and 18 per cent in the second quarter.

According to Michelle Hutchison from finder.com, the survey showed the cash rate would hit a “new normal” of four per cent in the next two to three years.

“About one in three (32 per cent) of the experts surveyed are expecting the cash rate to hit a ‘new normal’ by 2016, while 29 per cent are expecting it to happen in 2017.

“Only one respondent, chief economist at Commonwealth Bank Michael Blythe, is expecting a ‘new normal’ cash rate level to be reached in 2015,” Ms Hutchison said.

She encouraged investors to prepare now for rising repayments.

“If you’re an existing homebuyer or hitting the property market this mortgage season, make sure you prepare a buffer for when interest rates rise,” she said.

“This is the time when you should be paying as much as you can on your mortgage, to lower the impact of higher rates.”

 

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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
Brisbane
Adelaide

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Revesby
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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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