API Online

August 27, 2015

The alternative to Sydney property investment


The word “affordability” is thrown around by media and the government a lot, especially in reference to the ever growing Sydney and Melbourne property prices. But what does it actually mean?

jordanBY JORDAN NAVYBOX

Quite simply, affordability looks at the average person’s ability to meet his or her monthly mortgage repayment. There are three main determining factors when it comes to affordability – average house prices, interest rates and household income.

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July 3, 2015

7 ways to bleed the banks dry


Recently there’s been a lot of talk about banks changing the goal posts, making it harder for property investors to get loans. In fact, there’s nothing new about this.

crawfordBY MICHAEL YARDNEY

I remember not that long ago, in the years following the GFC, banks responded by removing many lending products from the market and tightening the reigns on lending policies.

While this can be frustrating for investors who are battling stringent requirements to finance their next purchase, there are several ways the astute investor can break through the lending ceiling.

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June 11, 2010

What’s going to happen to interest rates?


Why has the Reserve Bank decided to hold rates and how does it compare to previous cycles?

BY MICHAEL YARDNEY

By now you would know that the Reserve Bank of Australia (RBA) has left interest rates on hold for the first time in four months, leaving the cash rate at 4.5 per cent.

This was really no surprise, considering rates have moved up six times since last October and are now starting to have some effect.

There’s clear evidence that consumer sentiment has fallen, our property markets are slowing down and some segments of the retail sector are hurting. Add to that the uncertainty surrounding the impact of the new resources super tax and the issues facing a number of European economies, and it was clearly time for the RBA to step back to see how things pan out.

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