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Two Opportunities from the Budget
Most people will only hear the noise around this Budget. But amidst all of the noise there are actually TWO very clear opportunities. The first is owner occupied purchases. As investors step away from existing property stock, the market is becoming flatter and more...
Housing Changes in the Budget – it’s about INVESTMENT
If you have no intention of ever investing in property, then these Budget changes are unlikely to affect you. Many of my clients simply want to buy a home, raise a family, and perhaps upgrade or relocate over time, while using employer superannuation to help protect...
Interest Rates – Where to From Here?
The Reserve Bank yesterday lifted interest rates back to the previous post-COVID peak. While there is still some uncertainty about what lies ahead, there are a few important things we do know. First, we have been here before, and we came through it only last...
Interest Rate Rise – A surprise or not? What should you do?
The Reserve Bank initially eased the cash rate from 4.35% to 3.60%, but it has since moved back up to 4.10%. What lies ahead, and what should you do? In the view of most experts, the Reserve Bank was expected to wait for the March inflation figures (released in April)...
2026 The Year Ahead: What we know, what we don’t and how people behave…
2025 was a very easy year to predict. Let’s look back at what I said: There would be an election. There was. The Liberals were a confused shambles. Labor was returned in a landslide. Interest rates would fall. They did, three times. As a country, affordability would...
A Melbourne Cup Day Prediction
These are the things I know… The great race starts at 3pm Melbourne time. It’s raining in Melbourne today, and the track is already rated a soft 7. More rain is expected — maybe just before, during, or after the race — so the track could be downgraded even further....
A September Interest Rate Update
Interest Rates With the current Reserve Bank Cash Rate at 3.60%, a fair rate for an owner-occupied home loan is currently between 5.4% and 5.6%, depending on the level of equity you hold in your home. Typical bank deposit rates for savings are sitting at 3.80%, and...
This week’s Rate Cut – what should you do and what’s next
The Reserve Bank has lowered the cash rate by 0.25% to 3.85%. Banks are passing this on in full. What Should You Do? When rates rise, the banks increase your repayments – this has caused many people financial stress. When rates fall, however, banks typically leave...
The Rate Cut You’re Having When You’re Not Having a Rate Cut…
The Reserve Bank firmly backed itself into a corner of its own making yesterday, facing external pressure to cut rates. One commentator noted (and I agree) that yesterday’s decision effectively undid the completely unnecessary rate hike of November 2023, which raised...
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