Finance advice
international markets

Why investors need to keep an eye out on international markets

By Sasha Karen

It’s always important to see how the overall market is performing in Australia, but according to the Housing Industry Association (HIA), investors who intend to go for another loan need to keep an eye out on something bigger than the Reserve Bank of Australia. Here’s why.

Without loans, investors would have a much harder time investing, and even though they would be investing from Australian banks, HIA’s principal economist, Tim Reardon, believes not only should the state of the Australian economy be considered when securing a loan but also the global economy at large.

According to Mr Reardon, this is because Australian banks are only as strong as the conditions that allow them to give out loans, which is influenced by the global market as well as conditions at home.

“The costs of finance to Australian banks is as a consequence of cost of borrowing globally, and what’s likely to play out in the next couple of years is that there is a timing of that money supply,” Mr Reardon said at an industry briefing.

“Post GFC, there was a flush of both loose behind monetary policy and loose fiscal policy which gave us a money supply volume that was largely unprecedented post Second World War, so that would give us the only point in time where we would have a reference to look at, to see what happens when you start to restrict that supply of money.

“As those US, UK [and the] rest of the world pick up and they start to tighten their fiscal policies and they start to tighten their monetary policies, that supply of money tightens, the cost of borrowing for Australian banks increases, so regardless of what happens with the Reserve Bank, the cost of borrowing domestically is likely to rise.”

For example, when the Nasdaq Stock Exchange experienced a fall in February, Mr Reardon said that this was felt globally with a curbing of the supply of money.

Other influencers, the principal economist said, include how major international trading partners are keeping Australia up and not down; the growth of India overtaking China; and how the pressure for interest rates to go up rather than down is being felt globally, not just in Australia.

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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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Sydney
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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

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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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