Finance advice

No rate cut 'disappointing'

By webmaster

Yesterday’s decision by the Reserve Bank to keep the rates steady at 4.25 per cent has been called ‘disappointing’ for property buyers by industry experts.

Investors currently paying off loans needed the cut for further assistance and first home buyers will not have the needed encouragement to enter the market, the Real Estate Institute of Australia (REIA) claimed after the announcement.

"We know that first home buyers are starting to return to the property market but another reduction would have assisted in stimulating the lower end of the market and provided a ripple effect to those buyers trading up," said REIA president Pamela Bennett.

Ms Bennett pointed to the latest Consumer Price Index figures being well within the RBA’s target zone of two to three per cent as an indicator that rates should have been cut.

“The RBA's Governor has even indicated that he expects inflation to fall further in the next quarter or two.

“Although just one component of the solution, lower interest rates are needed to reduce the proportion of income that Australians are spending on loan repayments in an effort to improve housing affordability,” she said.

The rates were cut in both November and December in 2011 following 12 months of steady rates.

Real Estate Institute of New South Wales chief executive officer Tim McKibbin said that the general consensus had been an expected rate cut of at least 25 basis points if not more.

However, while it may have been unexpected, Mortgage Choice spokesperson Belinda Williamson said the RBA had been keeping a close watch on the economic indicators and if there are setbacks in coming months then a rate cut may still arise.

"Today's decision by the Reserve Bank to keep rates steady may come as a disappointment to many borrowers who had budgeted for a rate drop this month, but it speaks positively of our overall domestic economic position," Ms Williamson said.

“I believe a rate cut would have helped to stimulate housing and the economy generally, and I think it is still likely the central bank will cut rates this year,” said Mr McKibbin.

For variable rate borrowers who were expecting a cut, there are still steps that can be taken, Ms Williamson said.

"Reviewing their home loan and lender could unearth a product that better suits their needs and has a more attractive interest rate, fewer fees, and/or offers loan features that can help them make a larger dent in their debt.”

Borrowers who recently took out a fixed rate loan, one in five borrowers for January Mortgage Choice home loan approval data, and have locked in their interest rate can be reassured by the steady rates, she said.

"There is a strong possibility that a stable interest rate climate may also encourage buyers to enter the property market based on a degree of certainty around the direction of the economy and hence their ability to repay a loan,” she said.

There are still positive factors for those who are looking to buy, with variable and fixed rates from lenders falling recently, lower property prices and low vacancy rates with increasing rent.

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Karen Davies is a regular listener of the Smart Property Investment Show and is almost ready to leap into the world of property investment in Australia. Taking advantage of her position as a first home buyer and utilising her super for her first investment deposit, Karen shares her plans with host Phil Tarrant. 

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She shares the life altering changes that she will need to make to purchase a property using the strategy which she wishes to employ and discusses how her career changes which have seen her transition from music management to engineering in just seven years have prepared her for such movements.
 
Karen unpacks the strides that she has made so far toward her first property investment, the process of using funds from her super as a deposit and her plans for building a portfolio going forward.

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!

RELATED AREAS OF INTEREST:

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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.

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

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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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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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.

      " ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-19 06:00:15" ["slug"]=> string(80) "18568:creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect" ["catslug"]=> string(20) "82:property-showcase" ["link"]=> string(108) "/podcasts/property-showcase/18568-creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect" }
Creating equity in a falling market and a long-term view of what to expect

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