Finance advice

Rates to hold until 2017

By Francesca Krakue
RBA cash rate

The Reserve Bank is likely to keep the official cash rate on hold for a whole yet, as it waits for the August cut to flow through the economy, according to a new analysis.

A RateCity.com.au analysis of over 30 key economic indicators suggested that the RBA would maintain its “wait-and-see” approach at its monthly board meeting yesterday.

Peter Arnold, data insights director at RateCity.com.au, explained that a hot housing market, high household debt levels and subdued investor lending has “steadied the RBA’s hand”.

“After two rate cuts this year the housing market is heating up, with house prices holding strong and auction clearance rates and building approvals both rising,” Mr Arnold elaborated.

“Australian households have more debt compared to the size of the country’s economy than any other in the world, partially fuelled by record low rates.

“The higher our debt levels, and the closer we get to a zero cash rate, the less effective each cut becomes and the RBA will be keenly aware of that fact having seen the negative impact of negative rates around the world,” Mr Arnold said.

Mr Arnold commented that theoretically, a rate cut provides consumers with more spending money, which helps “kick along’ the economy, however as many banks withheld almost half of the RBA’s cut in August, the board is unlikely to make another cut.

He added that the RBA will be closely tracking movements in international markets, including China and the United States and the impact to Australia’s exports prices and dollar.

“The federal reserve is getting close to lifting US interest rates, while Chinese iron ore futures tumbled late last month putting further pressure on our export prices — both of which have ramifications for our domestic economy,” he explained.

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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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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.

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Getting finance approved in this tightening lending environment

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