Finance advice

RBA delivers cash rate announcement

By Francesca Krakue
RBA delivers cash rate announcement

The Reserve Bank of Australia has revealed the decision of its first monthly board meeting of the year.

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

As today’s meeting approached, all 32 experts and economists from the finder.com.au RBA survey – and 85.94 per cent of the 300 brokers surveyed by online mortgage platform HashChing – correctly predicted this outcome.

A strong Australian dollar, subdued inflation, and a low gross domestic product (GDP) figure for September 2016 have meant the board is waiting for stronger indications of the country’s economic performance before shifting the rate.

ABC Bullion chief economist Jordan Eliseo elaborated: “The RBA is likely to sit tight for a month or two, analysing all incoming data before they make their next move.”

Mortgage Choice CEO John Flavell agreed, saying: “Data from the ABS found the December quarter inflation result was just 0.5 per cent while the yearly price growth was just 1.50 per cent – far below the Reserve Bank’s 2 per cent to 3 per cent target range. All of these factors combined gave the RBA all the incentive it needed to leave the official cash rate on hold for another month.”

Richard Robinson of BIS Shrapnel added that the RBA is reluctant to lower the rate because a cut would give “a further unwelcome boost” to Sydney and Melbourne’s housing markets.

Of the 26 industry pundits who weighed in on the topic of property oversupply, 77 per cent believe there’s an oversupply of apartments in some of Australia’s capital cities.

The majority of these experts (75 per cent) believe Melbourne has the highest incidence of apartment oversupply, followed by Brisbane (70 per cent), Sydney (40 per cent) and PerthPerth, TAS Perth, WA (35 per cent).

The cash rate has hit its lowest point this cycle, according to the majority of the experts surveyed by finder.com.au (58 per cent).

The comparison website’s insights manager Graham Cooke commented: “In the past few months, there’s been an increasing sentiment towards a cash rate lift. But don’t hold your breath as the upward move is potentially months away.”

Of the 300 brokers surveyed by online mortgage platform HashChing, 65.45 per cent believe that rates will rise in 2017.

Meanwhile, industry super fund-owned bank ME today said that low income growth and low job availability combined with high levels of job insecurity and underemployment mean the RBA may still cut official rates later this year.

“The Australian economy continues to exhibit a number of both cyclical and structural challenges mainly related to the labour market and so the non-consensus case for further official rate cuts bears close monitoring,” an ME spokesperson said.

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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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 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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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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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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