Finance advice

November cash rate decision

By Reporter

The RBA has announced the results of its November board meeting regarding the official cash rate, following weeks of market speculation.

The Reserve Bank of Australia has announced the results of its latest board meeting, with Australia’s official cash rate set to remain at its current record-low of 2.00 per cent for another month.

Predictions on the outcome of the meeting were divided, with many market commentators expecting recent moves by the big four banks to up variable home loan rates to result in a drop to the official cash rate.

With cash-rates on hold for another month, anticipation of a rate cut in the near future has ramped up.

Alan Fox, who predicted that the decision could go either way, believes the RBA is set to cut rates within a matter of months.

“The next rate movement by the RBA will be a cut – it just waits to be seen if they do it before Christmas to stimulate retail spending or they wait until 2017,” he said.

Property academic and author Peter Koulizos predicted that rates would remain on hold for November, but warned that a further increase to unemployment figures would likely trigger a future cut to rates.

“If the unemployment figure increases again this month, I think Australian consumers can look forward to an interest rate cut in the first week of December; an early Christmas present!

Tim Lawless, CoreLogic RP Data head of research, agrees that conditions look set to favour a future rate cut, but warned investors not to expect any relief from the banks.

“The recent out of cycle increase in mortgage rates will likely provide the RBA with some additional wiggle room when it comes to considering a rate cut either later this year or early next year.  If we do see official interest rates fall over coming months, there is a high likelihood that the full cut won’t be passed on to borrowers, considering the higher capital requirements placed on residential mortgages by the prudential regulator, APRA,” he said.

Read more: 

2016 growth locations revealed 

Suburbs experiencing huge rental increases 

Sun to set on development loophole 

Private landlord given expensive lesson 

Are you too old to invest in property? 

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podcast

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With the softening market impacting property values in many parts of Australia, Sally Wood, 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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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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