Finance advice

More out of cycle rate hikes to come

By webmaster

The majors' recent out of cycle rate movement could be the first of many, one industry stakeholder has claimed.

Speaking to Smart Property Investment's sister publication, The Adviser, Advantedge's Brett Halliwell said the costs of funds had risen "significantly" for Australia's lenders, putting pressure on their margins and thus forcing them to lift rates independently of the Reserve Bank.

Advantedge is a wholesale loan servicer, which is owned by NAB.

On Monday, NAB and CBA became the last of the majors to move their rates out of cycle with the RBA, with CBA lifting the interest on its standard variable rate by 10 basis points, while NAB lifted its rates by 9 basis points.

Mr Halliwell said these out of cycle rate movements weren't surprising given the current state of the wholesale funding markets.

"The turmoil that we are seeing in Europe is having a negative impact on ever sector across the globe, particularly the financial sector," he said.

"The problems in Europe have in turn ensured that the cost of funding from wholesale markets globally has gone up.

"In recent months, bank CEOs have been discussing the disconnect between the RBA's cash rate and their variable rates. The reality is, bank rates are not driven by the RBA, they are an element, but the overall cost of funding has gone up which means we could see the banks move out of cycle a few times in order to ease the pressure on their margins."

Mr Halliwell's comments have been supported by the RBA.

Speaking at a Bloomberg seminar in Sydney yesterday, the RBA's assistant governor, Guy Debelle, said the cost of bank debt had risen since the middle of last year, affecting both unsecured debt and covered bonds.

''Investors are demanding much higher compensation for bank credit risk now than they were in mid-2011,'' Mr Debelle said.

''This global repricing of bank debt has clearly affected the Australian banks' wholesale funding costs."

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podcast

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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!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
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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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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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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

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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: 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:

How technology is changing the lending environment
Lessons from a falling market
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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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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) "2018-09-17 06:16:11" ["slug"]=> string(69) "18556:getting-finance-approved-in-this-tightening-lending-environment" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(89) "/investor-stories-1/18556-getting-finance-approved-in-this-tightening-lending-environment" }
Getting finance approved in this tightening lending environment

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