The Reserve Bank of Australia left the official cash rate on hold yesterday at 4.75 per cent, as was widely anticipated.
The central bank has now left the official rate on hold since December of last year and the industry wants to see this stability remain.
Loan Market Group chief operating officer Dean Rushton said the Reserve Bank should leave the cash rate on hold for the remainder of 2011.
Multiple rate rises in 2010 were still having an impact through much of the economy, he said.
“In particular the November rate increase accompanied by the banks’ additional rate increases has had a significant influence on consumer sentiment and many elements of the economy, particularly the home finance market and the retail sector, are still struggling as a result,” Mr Rushton said.
Mr Rushton said consumer confidence was also suffering as a result of the various natural disasters that have occurred in recent months.
“Interest rates look like staying on hold for some months and most economists are now forecasting that this year there may only be one more quarter percentage point increase,” he said.
“We would like to see the RBA stay its hand for the remainder of 2011 to allow consumer confidence to return and to take undue pressure of household budgets.”
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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: Facebook, Twitter 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!
RELATED AREAS OF INTEREST:
How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body
RELATED AREAS OF INTEREST:
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Bondi
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RELATED AREAS OF INTEREST:
How the Australian property marketplace could change
How to double the power of your deposit
The different reasons to start rentvesting
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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.
They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.
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: Facebook, Twitter 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!
RELATED AREAS OF INTEREST:
The investment strategies that actually work
The property investment process, simplified
A spiralling market, or just media spin?
AREAS MENTIONED:
Hobart
Sydney
Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise
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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.
Understanding the different financing options available to investors and how each of them can affect the growth of your portfolio is as important as mapping economic drivers and their influence on your assets.
Being well-acquainted with the ins and outs of property financing starts in understanding mortgages and interest rates, knowing the difference between loan products and features and being able to comply with the rules of taxation.
Is your property worth its weight in gold—from upfront costs such as deposit and stamp duty to ongoing costs including mortgage repayments and maintenance fees?
What is the difference between principal-and-interest loans and interest-only loans? Should you go for variable rates, fixed rates or split rates? Are offset accounts and redraw facilities worth the extra costs?
Are you getting the most out of your tax deductions? Is negative gearing a good strategy for you?
What is the ‘capital to cash flow curve’? How can you improve your credit score and, ultimately, your serviceability?
The ability to set up finance structures that match the investor’s goals, capabilities and risk appetite spells the difference between those who can access finance for a multi-property portfolio and those whose lack of borrowing power had them stuck with one property.
A knowledge on finance can help you thrive through unpredictable market movements, allowing you to protect your asset through various safety buffers and even craft a potential exit strategy should you feel the need to postpone your wealth-creation journey—all without having to overcapitalise.
Smart Property Investment gives you an insight on various financial news and advice from experts and seasoned investors. We gather up-to-date data and information on states and territories’ annual budgets, RBA cash rate decisions, lending regulations, market trends on lending and finance and the government’s influence on property financing.
The Finance section also covers expert advice and investor stories that will help you improve your financial literacy and ultimately identify the most effective finance strategies and solutions in today’s property market
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