Finance advice

RBA February cash rate decision

By Reporter

The Reserve Bank of Australia has announced the result of its monthly board meeting.

The board caused few surprises by leaving the official cash rate at 2 per cent, where it has been since May 2015.

All 29 economists and commentators surveyed by comparison website finder.com.au predicted today’s result.

The Reserve Bank might have been tempted to reduce interest rates to stimulate the sluggish economy – but with rates already at record lows, it would then have left itself little room to move if the economy weakened further and required a confidence-boosting injection.

BIS Shrapnel senior economist Richard Robinson made a similar point. “Although economic growth is slow, employment growth and unemployment rate are OK. The RBA can afford to wait and keep rate cuts up its sleeve for if growth slows,” he told finder.com.au.

The big question is when the Reserve Bank will make its next move on rates, and whether it will be up or down.

Seven of the survey respondents, or 24 per cent, believe another rate cut is on the horizon – including AMP Capital chief economist Shane Oliver.

“I think that given the emerging softening in the housing cycle, the ongoing mining downturn and renewed global market turmoil that the risks to growth are on the downside, and given very low inflation the RBA should ease again. But I don't think it's convinced just yet,” he said.

Greater Building Society chief executive Scott Morgan said the Reserve Bank could potentially go either way on rates.

“Any change up or down will be influenced by changes in business and consumer confidence, the work government and business does to undertake reforms that boost economic performance, and global economic changes,” he told finder.com.au.

The survey found that 55 per cent of respondents expect rates will remain on hold for the rest of 2016, while 52 per cent expect rates will rise in 2017.

 

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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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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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