Finance advice

Cash rate on hold but mortgage rates could still rise

By webmaster

The official cash rate remained on hold yesterday, but in today’s mortgage market that’s no guarantee that banks and other lenders won’t increase the interest rates on home loans.


The Reserve Bank of Australia (RBA) left the official cash rate at 4.5 per cent yesterday, citing uncertain conditions in the international economy as one of the key reasons for the hold. The cash rate has now held stable for three months running.

While the decision to pause on rates is good news for borrowers, high funding costs could push the banks to increase their lending rates regardless.

Funding costs relate to how lenders source their funds to lend out as mortgages, and are something that borrowers – particularly those entering the market for the first time – sometimes find confusing.

While lenders’ deposit base (for example funds that consumers place with banks in savings accounts) makes up some of the money they lend out in mortgages, they also need to raise funds from other sources.

In simple terms, lenders essentially borrow money from other institutions (which can be located all over the world) and then lend it out with a margin on top to Australian borrowers.

Since the onset of the global financial crisis the cost of raising funds to lend to borrowers has become increasingly expensive for banks and lenders. As a result home loan rates have become increasingly out of touch with the official cash rate.

Dean Rushton, CEO of mortgage broking group Loan Market, says he expects the banks to increase their rates soon, although the election may delay the pain.

“Even their traditionally cheaper sources of funding, such as deposits, are now more expensive due to the intense competition for deposits in the Australian market,” he says.

“The precedent has been set and there is a likelihood the banks will have to do this again, most likely after the August 21 election.”

While nobody wants to see the interest costs of servicing a mortgage rise, it’s important for budding first time buyers to note that interest rates are now sitting at a ten year average.

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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:

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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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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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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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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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