Finance advice
Rates set to rise further in 2017

Rates set to rise further in 2017

By John Flavell

Looking ahead to 2017, a rate rise may be on the cards for Australia.  

The US Federal Reserve said last year that the recent progress of the economy gave it the impetus it needed to increase the federal funds rate by 25 basis points to 0.75 per cent.

It also indicated that the federal funds rate could rise by a further 75 basis points throughout 2017 through three separate rate increases.

This announcement, combined with the fact that many of Australia’s lenders have started to raise rates across their suite of home loan products, would suggest a cash rate increase by the Reserve Bank of Australia is now more of a possibility than not in 2017.

The RBA had previously stated that the easing bias has passed and the latest changes by the US central bank would support this.

Of course, even if rates rise, it is important for borrowers and potential borrowers to keep in mind that interest rates will still be very low by historical standards.

Any rate rises are likely to be small, which will help keep the cost of borrowing affordable. As a result, I would expect certain parts of the property market to remain strong.

Property prices are driven by four key factors: supply versus demand, the cost of credit, access to credit, and overall employment levels.

Across the country, property demand remains relatively strong. In Sydney and Melbourne, the level of stock coming onto the market has fallen over the last 12 months. Listings in Sydney and Melbourne are down 9.4 per cent and 2.9 per cent respectively.

When you combine falling stock levels with clearance rates above 75 per cent, it is clear that demand remains strong in both capital cities.

Despite the latest spate of interest rate increases, home loan rates remain historically low, keeping the cost of credit at affordable levels.

And while many of Australia’s lenders have tightened their lending policy over the last 12 months, they remain hungry for business in both the owner-occupied and investor space, a trend that will continue as we head into 2017.

Furthermore, unemployment remains low by long-term standards. Latest data from the Australian Bureau of Statistic shows the unemployment rate is currently sitting at 5.7 per cent, which is a positive sign for the economy as a whole.

With all of this in mind, I wouldn’t be surprised to see continued growth in property prices across some markets, specifically Sydney and Melbourne. While the level of growth may not be as strong as we have seen in recent years, overall, we can expect to see growth continuing.

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About the Blogger

John Flavell

John Flavell

John Flavell is the CEO of Mortgage Choice. He first joined the company in April 2015, armed with more than 20 years' experience in executive leadership positions and 15 years' experience in financial services.

Prior to joining Mortgage Choice, John held several senior executive positions including National Australia Bank's general manager third party distribution and MLC's executive general manager wealth advice.

John has also worked for Aussie Home Loans where he was part of the executive team responsible for the successful transition of the business into mortgage broking, and RAMS Home Loans where he was responsible for managing the southern half of the country and driving brand awareness. 

He holds a Diploma in applied Finance, a Graduate Certificate in Financial Services, as well as a Certificate IV in Mortgage Broking. In addition, John is a Fellow of the Australian Institute of Company Directors (FAICD). 

In his role at Mortgage Choice, John is responsible for managing the company's operations to ensure continued business growth and development, encouraging 'blue ocean' thinking with a focus on customer acquisition, product diversification, improving productivity and increasing profitability and market share.

FROM THE WEB

podcast

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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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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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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!

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Why buying new property doesn’t mean buying better property
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  ["title"]=>
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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!

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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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