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Banks will likely reduce rates, survey

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Property investors might not see the entire 50 basis point cut passed onto them by the major banks, but still may see significant reductions, according to a leading mortgage broker.

A new survey saw just eight per cent of Loan Market mortgage brokers believing that lenders will match the Reserve Bank of Australia’s interest rate reduction, even while the majority believed a portion of the reduction would be seen.

Loan Market’s corporate spokesperson Paul Smith said that 51 per cent of brokers responded that rates would be decreased between 31 and 45 basis points.

A further 36 per cent believed the decrease would span from 16 to 30 basis points.

“Two per cent of brokers tipped no movement whatsoever while three per cent predicted a miserly one to 15 basis point reduction,” Mr Smith said.

“The major banks are unlikely to pass on the full 50 basis point reduction from the RBA due to the fact that the other variables influencing cost of funds have not dropped in line with the RBA.

“However, the majority of our brokers say a significant rate reduction is on the cards for home-owners, and that’s good news,” he said.

The Bank of Queensland recently passed on a 35 basis point decrease, and property owners also saw similar reductions from NAB and the Commonwealth Bank yesterday, with 32 and 40 basis points cut respectively.

The survey asked 231 Loan Market mortgage brokers to respond to the multiple choice question: “With the RBA lowering rates by 50 bps, how do you expect the major banks to respond?”.

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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!




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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.


In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.


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:


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Hobart
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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.


Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.




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 the Australian property marketplace could change
How to double the power of your deposit
The different reasons to start rentvesting


 
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