Finance advice

Rates to hit 5pc by year end: Westpac

By webmaster

The official cash rate is expected to reach 5 per cent by year's end, after a 25 point jump in September, according to Westpac's chief economist Bill Evans.

While house price growth has maintained solid momentum in recent months, Mr Evans said the market should experience a slowdown before the end of the year, which should prevent rates from exceeding 5 per cent.

"Rate rises and lower first home buyer demand have already impacted heavily on housing finance approvals [down 28 per cent from their September high],” he said.

“Historically, swings in finance approvals have usually been a good gauge of demand, impacting with a lag of about six months.”

In addition, Mr Evans said the latest auction clearance rates indicated a “significant softening” in market activity in May to June.

“Westpac's estimates adjusting for regular seasonal fluctuations suggest clearance rates fell about 5 to 6 percentage points in May with partial data for the first two weeks of June pointing to an even sharper 10 percentage point fall in Melbourne.”

As such, Mr Evans predicts the cash rate will stay on hold at 5 per cent until June 2011, when it will jump 25 basis points to 5.25 per cent, followed by a further 25 basis point increase in September 2011.

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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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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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