Finance advice

Rate cut 'dangerous' for property market

By James Mitchell
Sydney

Industry leaders have warned that the Reserve Bank’s decision to lower the official cash rate today will have serious ramifications for the housing market.

Chairman of mortgage broker Loan Market Sam White said the rate cut could accelerate the introduction of stronger macroprudential measures in a bid to slow down the Sydney property market.

“Today’s rate cut is a good sign for Australian business and for the Aussie dollar and our exporters becoming more competitive, however, we can’t ignore its impact on the property markets - particularly Sydney,” Mr White said.

The Loan Market chairman suggested that discussion around limiting activity in the Sydney housing market could ramp up among regulating bodies.

“If the Sydney market keeps moving, the issue of affordability must be addressed,” Mr White said.

“I think the regulators will be eager to find measures to slow things down,” he said.

“Talks around limits on negative gearing, self-managed super fund investment and foreign investment could all be on the table.”

Having seen significant growth in Sydney since the RBA’s last cut in February, Mr White believes today’s decision will further increase energy in the Sydney real estate market.

“It’s in no-ones best interests for the market to become unaffordable or unsustainable,” he said.

“If we see another spike in activity, it will force regulators to make tough decisions around measures to slow it down.

“My desire is to see a stable property market, which offers long-term value and gives confidence to homeowners and investors.”

Meanwhile, Laing+Simmons general manager Leanne Pilkington said Australian real estate “in no way needed another interest rate cut today” as the market is already “red hot”.

“The RBA would have been wise not to pour further fuel on Sydney’s property fire,” Ms Pilkington said.

He noted that the current state of the market, especially in Sydney, is resulting in new suburban records regularly tumbling and vendors enjoying windfalls.

Ms Pilkington said rock bottom interest rates are continuing to play into the hands of investors.

“Investors have been the real winners in recent times as first home buyers fail to experience any respite,” he said.

“Governments around the country must come up with new policy initiatives to improve the prospects of those genuine first home buyers committed but unable to break into the market.”

Ms Pilkington warned that without intervention more Australians will abandon the dream of home ownership.

 

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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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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: 

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Perth
Brisbane
Shepparton
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Orange
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Bendigo
Cairns
Ipswich
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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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