Finance advice

December rate decision announced

By Jack Needham

The Reserve Bank of Australia has made its final interest rate decision of 2015 at its monthly board meeting.

The RBA board confirmed most people’s expectations this afternoon by leaving the official cash rate at a record-low setting of 2 per cent, where it has been since May.

That decision is in line with the predictions of the four property experts Smart Property Investment spoke to prior to the decision.

Cate Bakos, director of Cate Bakos Property, said that comments from RBA governor Glenn Stevens in November and current economic indicators pointed to rates remaining on hold today.

“I don’t feel that we are in for a rate cut this December. Our economic indicators are a little bit mixed but, more to the point, Mr Stevens has already hinted that we aren’t likely to have a cut. Our September data won’t be released until after Tuesday’s announcement, and economists aren’t anticipating too many shocks,” she predicted.

That sentiment was echoed by Liz Sterzel, managing director of Property Wizards, who added that the RBA was likely looking to promote economic stability by keeping rates on hold. 

“If the RBA needs to stimulate growth through interest rate cuts they are willing and able, but they will only do this if it is likely to have a positive effect,” she said.
“Mr Stevens has also noted that interest rate cuts have less of a stimulating effect than they once did, due to rates already being at record lows, and a rate cut may not be the most effective strategy at this time,” she added.

With the RBA resolving to keep rates on hold, the focus now shifts to the first rate announcement of 2016, in February.

“It will be 'steady as she goes' for now, but depending on how the retail sector performs over the Christmas/New Year period, it could have a big bearing on what happens on the first Tuesday in February 2016,” property academic and author Peter Koulizos said.

Alan Fox, managing director of Propertunity, said: “The RBA will want a big retail spend for Christmas – so won’t raise rates, but there may be a need to cut rates in 2016 – but that is for next year.”

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

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!

RELATED AREAS OF INTEREST:

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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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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.

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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!

RELATED AREAS OF INTEREST:

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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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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) "2018-09-17 06:16:11" ["slug"]=> string(69) "18556:getting-finance-approved-in-this-tightening-lending-environment" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(89) "/investor-stories-1/18556-getting-finance-approved-in-this-tightening-lending-environment" }
Getting finance approved in this tightening lending environment

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