Finance advice

RBA announces June cash rate decision

By Charbel Kadib
RBA

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

The RBA board has again decided to keep the cash rate at a record low of 1.5 per cent, in a move predicted by most industry pundits.

None of the surveyed respondents on finder.com.au’s panel of industry pundits predicted a rate change, despite some economic indicators showing signs of a slowdown.

The decision once again breaks the record for the longest period of time in Australian history that the cash rate has remained at the same level.

In April of this year, the RBA broke the former record of 17 consecutive meetings of unchanged interest rates (set in 1995–1996) when it kept the cash rate on hold for the 18th time.

The June decision continues the record-breaking run, as Australia’s official cash rate has now been 1.50 per cent for the 20th consecutive time (or 22nd consecutive month, seeing as there is no cash rate announcement in January).

CoreLogic’s head of research Tim Lawless predicted a hold but could see a rate hike as early as October.

“From a housing market perspective, a stable rate environment is positive. However, there is risk that mortgage rates could rise, regardless of the steady cash rate, due to higher funding costs being faced by lenders overseas,” Mr Lawless said.

Capital Economics’ Paul Dales claimed that the central bank’s determination was influenced by the findings of the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry.

“Economic conditions are not strong enough to warrant higher rates and the RBA is becoming concerned that the banking royal commission will result in some households and businesses finding it harder to get credit. The RBA won’t want to raise the price of credit at the same time,” Mr Dales said.

LJ Hooker’s head of research, Mathew Tiller, also noted that economic conditions argued against a rate change, but he believes the RBA would be pleased with recent housing market trends.

“There has been no material change in indicators since last month. Property price growth continues to moderate, which will be welcomed by the RBA. Investor demand has eased, with owner-occupiers and first home buyers coming back into the market to fill the gap,” Mr Tiller said.

Economist at AMP Capital Shane Oliver said: “Basically nothing has changed. Signs of stronger investment, booming infrastructure spending, strong export volumes and the RBA’s own forecasts argue against a cut.

“Uncertainty around consumer spending, the slowing Sydney and Melbourne property markets, tightening bank lending standards and the slowing Sydney and Melbourne property markets argue against a hike, so no case to move.”

Mortgage Choice’s head of corporate affairs, Jacqueline Dearle, echoed Mr Oliver’s sentiment, saying: “The RBA’s decision to hold would be consistent with sustainable growth in the economy, home loan demand remaining stable and achieving the inflation target over time.”

However, despite also predicting a hold verdict, managing director of Market Economics Stephen Koukoulas said he believes the central bank should cut rates.

“It remains the case that the RBA is downplaying the news of falling house prices, rising unemployment rate, weak wages and inflation. It should cut rates but it won’t,” Mr Koukoulas said.

Further, managing director of 1300HomeLoan John Kolenda claimed that borrowers should expect out-of-cycle interest rate hikes from banks, irrespective of the official cash rate decision.

“These increases are already starting to flow through and we could see upward rate movements of more than 20 basis points,” Mr Kolenda said.

“If the lending environment wasn’t complicated enough, the spotlight on the banks from the Hayne royal commission into the financial services sector is making home finance more difficult, particularly through tighter controls on customer living expenses, which has resulted in borrowing capacity for consumers dropping by 10–30 per cent over the past quarter.”

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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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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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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.

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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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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Launceston
Raceview

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A joint property portfolio before they were even living together

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