Finance advice

RBA expected higher bank rate rises

By webmaster

It seems the Reserve Bank expected the big banks to increase their lending rates by more than its 0.25 per cent cash rate rise this month, minutes of the November monetary policy meeting have revealed today.


The decision by the Commonwealth Bank to lift its lending rates by 45 basis points this month, angered consumer groups and the government and sparked nothing short of a national debate as well as a renewed focus on regulating the big banks.

The rest of the majors followed the Commonwealth Bank’s lead, albeit slowly, with NAB, ANZ and Westpac all raising their lending rates by 43, 39 and 35 basis points respectively.

But while most of Australia gasped in horror and shook their heads at the ‘greedy’ banks, it appears the Reserve Bank was not surprised.

According to the minutes of the RBA’s November meeting, there was “a possibility that banks would increase interest rates on loans by more than any move in the cash rate”.

In addition, the meeting’s minutes reveal acknowledgement by the central bank of increasing pressures on the cost of banks’ funding – something consumers and even the government have been sceptical of.

“The most recent data showed a continuation of the trends in bank funding that had been apparent for some time,” the minutes read.

“Spreads on longer term bank debt had stabilised at levels that were significantly higher than before the crisis.

“This was slowly adding to the banks’ cost of funds as banks rolled over debt issued earlier at lower spreads.”

These admissions confirm that banks’ funding costs are indeed under pressure and rising mortgage rates are set to continue for some time.

But while it might seem like the outlook for the cost of borrowing is all doom and gloom, there are still options.

While the big banks may have decided to increase their home loan rates to combat higher funding costs, many lenders haven’t.

At the end of the day, it all comes down to profit margin and just what margin, lenders are prepared to run with. And many second tier banks and non-bank lenders are seeing an opportunity to take this time to offer borrowers a better deal.

Australian First Mortgage, LJ Hooker and Yellow Brick Road are just some of the smaller lenders offering lower variable rates than the big banks.

The best home loan deals can always be found by shopping around so if you’re in the market for a home loan, make sure you cast your net wide, before committing yourself to your bank.

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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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Adelaide

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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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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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Sans Souci
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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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