Finance advice

RBA announces April cash rate decision

By Charbel Kadib
RBA

The official cash rate for April has been announced by the Reserve Bank of Australia following its monthly board meeting.

The board has decided to hold the cash rate at its record low of 1.50 per cent, in a move predicted by most industry representatives.

Of the 32 surveyed respondents on the finder.com.au panel, 31 (97 per cent) correctly predicted the cash rate to remain unchanged.

The central bank has now kept the cash rate on hold for a record-breaking 18 consecutive months. RateCity’s money editor, Sally Tindall, said that she expects the record will continue to be broken.

“The record might be set, but the end isn’t near,” Ms Tindall said. “The Australian economy is stuck in neutral and Governor Philip Lowe’s hands are tied.”

Indeed, economist at Corinna Economic Advisory Saul Eslake predicted a hold verdict in finder’s survey, noting that “nothing has materially changed since the RBA last stated that current monetary policy settings were (in its opinion) appropriate”.

Mr Eslake said: “There’s been no new data on price or wage inflation, and the most recent labour force data suggests that the margin of spare capacity in the labour market remains unchanged, despite ongoing strong employment growth (because most of the new jobs are going to new entrants to the labour force).

“[The] RBA has repeatedly made it clear that it feels under no pressure to follow other central banks in hiking rates.”

However, the managing director of 1300 Home Loan, John Kolenda, said he believes that global market conditions could prompt lenders to increase rates regardless of the RBA’s decision.

“While the RBA looks like keeping its cash rate on hold, there are some lenders facing increases in the cost of their wholesale funding which they blame on the impact of US economic policies,” Mr Kolenda said.

“They have already lifted rates for business loans and have warned they may have to also pass on these increases to home loans.”

Associate professor at Monash University Mark Crosby was the only panellist in the finder survey to predict a rate move, claiming that the case for a rate rise was “very strong”.

Conversely, managing director of Market Economics Stephen Koukoulas urged the RBA to drop the cash rate.

“The RBA is unable to get away from its obsession with non-existent financial instability. It should be cutting rates,” Mr Koukoulas said.

In all, 83 per cent of surveyed panellists said that they expected the next rate move to be up. However, a majority (56 per cent) noted that rate hikes could have an adverse effect on borrowers, causing some mortgage holders to default on their loans.

Thirty-nine per cent of panellists claimed that two cash rate increases could be enough to trigger mortgage defaults for borrowers at the “risky” end of the spectrum, while a further 17 per cent said that just one rate increase could put borrowers in a precarious position.

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

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

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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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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.

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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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Why buying new property doesn’t mean buying better property

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