Finance advice

Uncertainty over whether rates will hike next week

By webmaster

Weak housing data has decreased the likelihood of an interest rate rise when the Reserve Bank of Australia (RBA) meets next week, but the cost of financing property is still likely to rise, and soon.


Media conjecture and economic commentary in recent weeks has pointed to another rise in the official cash rate when the RBA meets on Tuesday October 5.

A slump in house prices however, as well as an ongoing decline in building approvals, has placed pressure on the central bank to leave the cash rate on hold.

According to the Sydney Morning Herald, financial markets have cut the odds of a rate rise to 50 per cent, compared to 65 per cent on Wednesday.

“The recent conjecture that Australia faces a burning requirement for an imminent rate hike has got way ahead of itself,” Housing Industry Association (HIA) chief economist Harley Dale commented yesterday.

“Building approvals, new home sales, and new home lending figures are unequivocally pointing to renewed weakness in home building… and that’s with interest rates remaining at their current levels.”

But while the exact itinerary of the RBA’s rate hikes remains uncertain, the consensus is the cash rate will continue to rise.

Westpac chief economist Matthew Hassan recently told First Property Buyer the cash rate was likely reach 5 per cent by September next year with variable mortgage rates to reach 8.15 per cent.

Furthermore, many analysts are expecting the major banks to increase home loan interest rates out of step with the RBA.

Chris Williams, an analyst with UBS, told The Daily Telegraph today he expected the RBA to lift the cash rate by 0.25 per cent on Tuesday, with the banks likely to “piggyback” that rise with an extra 0.15 per cent.

Dean Rushton, CEO of brokerage group Loan Market, said the group considered that at least one of the majors would move out of sync with the RBA “at some stage”.

With this in mind, it’s important that potential home buyers take into account the current rate cycle and be prepared that taking on a (variable rate) mortgage now will require larger repayments as interest rates rise.

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podcast

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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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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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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

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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A joint property portfolio before they were even living together

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