Finance advice
Philippe Brach

Interest rate predictions for 2016

By Philippe Brach

Property owners are encouraged to consider interest rate conditions for the New Year to sufficiently manage their mortgages.

Blogger: Phillippe Brach, CEO, Multifocus Properties & Finance

Where are interest rates headed in 2016?

It’s the million-dollar question, isn’t it?

Perhaps it’s not quite worth that much, but the question of where interest rates are headed in 2016 has certainly crossed every property owner’s mind.

This is perhaps driven by the confusion we experienced in 2015, when we went from what most considered a stable interest rate environment to a volatile mortgage season of shifting rates, terms and conditions.

Investors are now paying up to half a per cent more than they were six months ago (even though the official cash rate hasn’t moved), and investment loans are becoming harder to secure.

Overall, it’s an uncertain time and at Multifocus Properties & Finance we’ve certainly noticed an increase in enquiries from clients who are wondering what they should do next. They want to know:

  • Are interest rates going to increase in the next year?
  • Should I fix my rates now to avoid getting stung by further increases?
  • Or is my mortgage likely to fall again in 2016?

While I have no definitive answers for you, I do have my thoughts on the subject.

Managing your mortgage in 2016: will rates rise or fall?

It obviously helps to be able to budget and make investment and financial plans if you know how much your mortgage is going to cost you over the year ahead.

The good news?

I believe the Reserve Bank will reduce interest rates in 2016.

Reserve Bank Governor Glenn Stevens virtually said as much at the RBA’s December board meeting, when he commented:

“The board again judged that the prospects for an improvement in economic conditions had firmed a little over recent months and that leaving the cash rate unchanged was appropriate. Members also observed that the outlook for inflation may afford scope for further easing of policy, should that be appropriate.”

Whether it’s one rate cut or two, we’re likely to see the cash rate come down.

The bad news?

Just because the Reserve Bank decreases the cash rate doesn’t mean the banks will pass it on to consumers. Their behaviour in recent months has proven that they’re ready and willing to operate to the beat of their own drum, and a 25-basis point decrease delivered by Mr Glenn and co. could become an opportunity for them to reinforce their balance sheets, rather than reward customers.

Should you fix or stay variable?

In saying this, if you currently hold a mortgage it’s important to retain some perspective.

Most people who have a home loan right now, or who are applying for one, are paying a mortgage interest rate that begins with four. This is half what we were paying during the GFC, and far lower than we are accustomed to paying for our mortgages.

Consider the fact that over the past 50 years or so, mortgage interest rates have averaged around seven per cent. It’s generally accepted in the industry that seven per cent is the ‘norm’, so to have an extended period where mortgages are available in the 4.5 to five per cent range is not to be taken lightly.

Some in the industry believe interest rates will remain around their current historical lows for several years, particularly as the Australian economy continues to re-balance away from mining. Adding to this, most banks have a five-year fixed rate between 4.5 per cent and five per cent, so it seems that banks bet that we are in for a long stretch at low levels.

This could mean fixing your interest rates to lock in rate certainty and allow you to manage your budget effectively. It could also mean saving a little harder to increase your cash reserves in case of another lender-led interest rate hike; or reviewing your property rents to ensure your investment properties are returning as much profit as possible.

Read more: 

10 markets to take-off in 2016

8 areas with 30%-plus growth 

How to start investing without a plan 

'Worrying signs' emerging for housing market 

Capital city price gains revealed 

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About the Blogger

Philippe Brach

Philippe Brach

Multifocus Properties & Finance was established in 2005 with the aim of mentoring investors to create wealth and invest in their future by building an investment property portfolio.

The company is led by Philippe Brach who has over 25 years experience in the international corporate world specializing in finance, accounting and investment. He is a fully qualified and extremely experienced real estate agent, concentrating his attention solely on investment opportunities around Australia. In addition he is a highly regarded mortgage broker, being accredited with around 35 different lenders.

FROM THE WEB

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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!

RELATED AREAS OF INTEREST:

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Lessons from a falling market
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RELATED AREAS OF INTEREST:

Hobart
Bondi
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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!

RELATED AREAS OF INTEREST:

How the Australian property marketplace could change
How to double the power of your deposit
The different reasons to start rentvesting

 

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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!

RELATED AREAS OF INTEREST:

The investment strategies that actually work
The property investment process, simplified
A spiralling market, or just media spin?

AREAS MENTIONED: 

Hobart
Sydney
Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
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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