Finance advice

RBA singles out housing to drive economy

By James Mitchell

The Reserve Bank of Australia has flagged the “substantial lift” in housing construction as evidence that monetary policy in Australia is still working to help support the national economy.

The number of dwelling approvals reached a record 19,282 in January, according to the Australian Bureau of Statistics.

That marked a 9.1 per cent increase on the previous year and a 5.7 per cent increase on the previous record result of 18,245 seen in November 2014.

In a speech to the Goldman Sachs Annual Global Macro Economic Conference in Sydney last week, RBA deputy governor Philip Lowe said this increased activity is boosting employment in the sector and having flow-through effects on spending on homewares and related items.

The exchange rate channel of monetary policy is also working, he noted.

“There are some signs that the depreciation of the Australian dollar is boosting domestic activity, with net exports of services increasing strongly,” Mr Lowe said.

“Also, in our liaison program, a number of businesses have reported that they see the lower exchange rate as opening up new opportunities.

“In time, we should see the effect of this on domestic production and spending.”

Mr Lowe admitted that since the global financial crises monetary policy has not worked as effectively as in previous years and that consumer behaviours have shifted and become increasingly conservative.

In Australia, this has been most evident in the propensity for consumers to save rather than invest, despite a low interest rate environment, he said.

“While it is not possible to be definitive, there are reasonable grounds to believe that the behaviour of both borrowers and savers might have changed a little,” Mr Lowe said.

“Many borrowers have responded to the lower interest rates of recent years by paying off their loan a little faster, rather than increasing their spending.

“This is evident in the data on total mortgage repayments and scheduled repayments.

“Conversely, it seems likely that those relying on interest income have reduced their spending by more than would previously have been the case. Certainly, the many letters we have been receiving at the Bank recently would suggest this,” Mr Lowe said.

Unfortunately, one of the consequences of a world in which many more people want to save than invest is the return to saving falls, particularly on savings held in low-risk assets such as bank deposits.

“The low interest rates we are seeing globally and in Australia are a direct consequence of an elevated appetite for saving and a muted appetite for real investment in many economies," he said.

“Monetary policy globally has responded to this reality in a way that a decade or so ago would have hardly seemed imaginable. In doing so it has helped the global economy through a very difficult period.

“But, at the end of the day, the solution to the problems caused by the disconnect between the desire to save and the desire to invest cannot lie with monetary policy."

Instead, it lies in measures to improve the investment environment so that once again there is strong productive demand for the use of our society's savings, he said.

Commenting on the RBA board decision to leave the cash rate unchanged at 2.25 per cent last month, Mr Lowe indicated he believed that further easing may be appropriate in the period ahead.

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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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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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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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Why buying new property doesn’t mean buying better property
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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

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
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Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
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Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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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) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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