Finance advice

RBA makes cash rate call

By Francesca Krakue

The Reserve Bank of Australia has revealed the decision of today’s monthly board meeting.

In a widely-anticipated move, the RBA decided to keep the official cash rate on hold at its record low of 1.50 per cent, which it has been since August last year.

Prior to the RBA’s meeting on Tuesday, 37 of the 38 experts and economists from the finder.com.au RBA survey accurately tipped the cash rate would remain unchanged today.

Liberty general manager of risk Lynne Jordan said current household debt levels, low-wage growth, active property investors and a weak inflationary environment still present major policy challenges for the RBA.

“I don’t think we’ll know exactly when the RBA’s next move will be until CPI data comes out at the end of April. If Inflation has gone up, we lean closer towards the rate increase many economists have predicted,” Ms Jordan said.

“But if it is the same or lower, the RBA will likely hold the cash rate and remain in the same predicament it has been for the past few months – that investors will continue to make the most of low interest rates and drive up prices, which could result in household debt levels increasing even further.”

When asked about recent out-of-cycle rate hikes, most of the experts (69 per cent) said they believe these increases will allow the Reserve Bank to hold off for longer before adjusting the cash rate.

“While recent independent rate rises have been unpopular with home owners, it’s likely the banks have given the RBA breathing space to hold out longer before making a move,” finder.com.au insights manager Graham Cooke said.

“We’re expecting the reserve Bank to stay in its ‘wait and see’ mode for the foreseeable future.”

CoreLogic head of research Tim Lawless said the combination of higher mortgage rates, as well as firmer policy settings from APRA around investment lending and more scrutiny from ASIC on lending behaviour are likely to “take some heat out” of investment demand.

“Additionally, market-driven factors including high apartment supply, record low rental yields and affordability constraints should gradually contribute to slower housing market conditions,” Mr Lawless said.

“If the housing market continues to accelerate despite these combined factors, there is a very high likelihood of further policy announcements that will more firmly muffle investment demand.”   

Matthew Peter, chief economist at QIC, expects the “hot state” of the housing market will keep the RBA from cutting rates, while the “tepid” recovery in the economy and lack of wage growth and core inflation will keep it from raising rates.

“RBA on hold through 2017 and the first half of 2018,” he predicted.

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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.

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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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