Finance advice

RBA releases cash rate decision

By Reporter
RBA releases cash rate decision

The Reserve Bank of Australia has delivered the decision of its final monthly board meeting of the year.

In a widely-anticipated move, the RBA today decided to hold the official cash rate at its record low of 1.50 per cent.

All 75 of the industry experts surveyed by mortgage comparison site finder.com.au predicted that there would be no change to the rate today, as many believed that there were not enough reasons to warrant the RBA to make a move.

“There is no imperative for the RBA to change rates at the moment. The RBA and the rest of the world is watching the United States, particularly in relation to changes in that country’s interest rates,” Greater Bank CEO Scott Morgan said.

ING DIRECT’s head of treasury Michael Witts echoed this sentiment.

“The global interest rate outlook has moved sharply towards higher interest rates following the US election. Against this background and solid domestic economy, the RBA will be on hold for an extended period,” he said.

Meanwhile, GriffithGriffith, ACT Griffith, NSW University Business School’s Mark Brimble said the Reserve Bank is likely to “sit on the sidelines” in the hope that consumers will spend over the festive season and boost the economy.

Many commentators believe that if the RBA is to move again, it will take place next year. Some say it could happen as early as the first RBA meeting of the year in February.

“By this time, the RBA will have had time to consider the performance of the housing market over the final quarter of 2016, as well as GDP figures for September and inflation numbers for the December quarter,” CoreLogic head of research Tim Lawless said.

“Additionally, there will be further clarity on the US economy where unemployment has reached a nine-year low and interest rates are about to start ratcheting higher.”

Mr Lawless said a decision to cut the cash rate to new record lows could add fuel to housing activity among investors and owner occupiers, which could in turn “push housing values even higher” in 2017.

Mortgage Choice CEO John Flavell concurred, saying, “When you look at the latest economic data, there was no reason for the Reserve Bank to change its current stance on monetary policy… But while the Reserve Bank decided to leave the cash rate on hold in December, it is likely that future rate increases are just around the corner.”

“There is growing speculation that the United States’ Federal Reserve will lift the official cash rate at its next board meeting on December 14. If this happens, we could see the Reserve Bank follow suit and lift rates as early as February 2017,” Mr Flavell said.

“Increases in long-term bond rates further support the theory that interest rates could soon rise. If people have been waiting for the bottom of the rate cycle, it may well have already passed.”

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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!

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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.

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!

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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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