Finance advice

RBA reveals cash rate decision

By Sasha Karen
RBA

The cash rate for December has been announced by the Reserve Bank of Australia following its regularly scheduled monthly board meeting.

Surprising no one, the RBA has once again decided to hold the cash rate at 1.5 per cent, a move that many have predicted.

Many experts anticipated this result. Every expert on the finder.com.au panel predicted for the rate to hold; HashChing recorded 91.3 per cent across its broker network predicting a hold; and RateCity’s analysis of 24 economic indicators predicted that, in a slow-moving economy, the cash rate is unlikely to change anytime soon.

Mortgage Choice’s John Flavell said that the decision to keep the rate on hold was indicative of a thriving economy.

“The latest data would suggest the Australian economy is performing relatively well at the moment and doesn’t need to be helped or hindered by a change to the cash rate. Property price growth has stagnated across Australia, which is line with expectations,” Mr Flavell said.

“At the same time, consumer sentiment took a bit of a tumble, with pessimists once again outweighing optimists. In addition, inflation is currently sitting at 1.8 per cent, slightly below the Reserve Bank’s target band range of 2 [to] 3 per cent.

“When you look at all of this economic data, it is clear that the Reserve Bank of Australia’s decision to leave the cash rate on hold for an extended period of time is having the desired effect on the economy.”

The Housing Industry Association’s Shane Garrett reciprocated this belief, claiming that Australia needs interest rates to stay at their current level.

“General inflationary pressures are well under control, but several components of demand are below par and need a supportive interest rate backdrop,” Mr Garrett said.

Tim Lawless from CoreLogic argued that a hold would be the best course of action, and any attempts to raise the cash rate would result in slower economic growth due to a subsequent rise in mortgage rates.

Considering the record levels of household debt, most of which is concentrated within residential mortgages, higher interest rates will test household balance sheets, which are already thinly stretched, Mr Lawless said. 

Households are already clamping down on spending which is evident in the weak retail spending figures occurring against a backdrop of record-low wages growth.

At this point, it is highly likely that an increase in the cash rate, and subsequent rise in mortgage rates, would further dampen household consumption, which in turn would likely lead to slower economic growth.

Economist Shane Oliver, however, can see a rate hike on the horizon, but not anytime soon.

“Strong business conditions, strong employment and the RBA’s own expectations for stronger growth point to an eventual rate hike but low inflation, record low wages growth, the slowing housing cycle, uncertainty around consumer spending and the still too high [Australian dollar] argue for flat or even lower rates,” Mr Oliver said.

“So, the outcome is likely to be on hold for the 16th month in a row.”

RateCity’s Sally Tindall can also see a rate hike, and believes that it could occur before the end of 2018.

“While we won’t see a rate hike in the short term, if inflation starts to grow in the first half of next year, we may see a tightening of monetary policy before 2018 is out,” Ms Tindall said. 

Others like ABC Bullion’s Jordan Eliseo are seeing the next change in the future to be a cut.

“The RBA will be happy to sit tight as we approach Christmas and monitor incoming data,” Mr Eliseo said. “With housing starting to roll over, retailers facing a tough holiday period and a stubbornly high Australian dollar, we remain confident that their next move will be a cut, but this will take time to play out.”

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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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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: 

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Perth
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Cambridge Park
Geelong
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Newcastle
Orange
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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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