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  • the reserve bank Archives « Formula 1 Finance Formula 1 Finance
    opting to leave the official cash rate on hold This is the second consecutive board meeting that the RBA has decided to leave rates on hold at 3 per cent Home owners would Read more Back to Top RBA TIPPED TO HOLD RATES On March 5 2013 Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off majority of industry participants feel the Reserve Bank of Australia RBA will hedge its bets when the board meets later today and leave the official cash rate on hold In a recent survey 76 6 per cent of respondents said they did not expect to see a rate Read more Back to Top Buyers Make a Comeback On March 1 2013 Finance News Comments Off While many buyers kept out of the property market in 2012 there are signs of a comeback 2012 saw many buyers adopt a wait and see attitude but they are once again becoming active as the market starts to stabilize and interest rate reductions lower the cost Read more Back to Top Home values on the up On February 4 2013 Finance News Comments Off bias However the housing market has been on a clear recovery trend since June last year Capital gains aren t likely to remain this high over the coming months however we are likely to see the recovery trend continue through 2013 Despite improving market conditions in January Read more Back to Top RBA on hold next week still expect a March cut On February 4 2013 Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off The Reserve Bank Board meets next week on February 5 I expect the Board will decide to hold rates steady at this meeting I certainly do not believe that the rate cut cycle has ended and to date expect there will be a rate cut of 25 bp s Read more Back to Top Feb rate cut unlikely On February 1 2013 Budget Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off majority of Australian homeowners do not expect the Reserve Bank of Australia RBA to cut the official cash rate when the board meets next week According to a survey conducted 55 per cent of respondents believe the cash rate will remain at its current level Read more Back to Top Cash rate to hit 2 25pc On January 30 2013 Budget Enconomy Financial goals Interest rate Wealth Comments Off Australia Bank is predicting three rate cuts this year despite the fact that new research shows business confidence is on the rise According to NAB s latest monthly business survey business confidence improved considerably in December after deteriorating to its weakest level since April 2009 in the Read more Back to Top RBA cuts rates On December 4 2012 Australian Dollar Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off The Reserve Bank of Australia has stripped 25 basis points from the official cash rate taking

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  • official cash rate Archives « Formula 1 Finance Formula 1 Finance
    the board meets later today and leave the official cash rate on hold In a recent survey 76 6 per cent of respondents said they did not expect to see a rate Read more Back to Top Feb rate cut unlikely On February 1 2013 Budget Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off majority of Australian homeowners do not expect the Reserve Bank of Australia RBA to cut the official cash rate when the board meets next week According to a survey conducted 55 per cent of respondents believe the cash rate will remain at its current level Read more Back to Top RBA cuts rates On December 4 2012 Australian Dollar Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off Reserve Bank of Australia has stripped 25 basis points from the official cash rate taking it to the all time low of 3 per cent The rate cut means the Reserve Bank has now slashed 125 basis points from the cash rate over the last 12 Read more Back to Top Rate cut likely On December 3 2012 Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off many economists believe the Reserve Bank of Australia RBA will cut the official cash rate again when the Board meets tomorrow it is not a guaranteed event With new economic data showing weakening investment intentions and only modest signs that monetary policy is driving rebalancing of Read more Back to Top Housing affordability shows signs of improvement On November 28 2012 Enconomy Finance News Financial goals House prices Inflation Wealth Comments Off affordability has shown further signs of improvement giving the Reserve Bank less reason to cut the official cash rate next month The latest HIA CBA Housing Affordability Index increased by 5 3 per cent in the September 2012 quarter to be up by 15 0 per cent compared to Read more Back to Top Rates on hold On November 6 2012 Budget Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off a raft of less than impressive economic data the Reserve Bank of Australia has decided to keep the official cash rate on hold At its monthly Board meeting earlier today the RBA decided it was prudent to keep the cash rate at 3 25 per cent Read more Back to Top RBA to cut rates On October 30 2012 Budget Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off Reserve Bank of Australia has moved the official cash rate every November for the past six years and it seems this year is not going to be any different The Reserve Bank should and will cut on Melbourne Cup Day despite the recent benign inflation result Read more Back to Top RBA cuts rates On October 2 2012 Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off Reserve Bank of Australia has cut the official cash rate for

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  • rba board Archives « Formula 1 Finance Formula 1 Finance
    consumer spending and erode business confidence This has come at a time when indicators of the Australian economy such as employment growth and business conditions reported in the NAB Business Survey have slowed tempering expectations for economic growth in the second half of the year While Read more Back to Top Inflation to increase home loan interest rate On October 26 2010 Finance News Leave a comment cash rate 25 basis points when it meets next Tuesday The Australian economy is now back to growing at around trend with business surveys suggesting it is operating at near capacity I am unsure of how this statement can be accurate with most small business owners Read more Back to Top Home loan interest rates my rise before the end of the year On September 8 2010 Finance News Leave a comment growth rates based on the recent data The employment market has firmed firmed over the past year as growth has improved The banks appear to be have a greater willingness to lend which is good news for small business as housing credit growth has slowed in recent Read more Back to Top Interest rates appropriate as super saver evolves On August 18 2010 Finance News Leave a comment RBA board says the current cash rate is still appropriate pending further information Aside from the usual monthly raft of economic data the next crucial piece of information will be the official inflation figures for the September quarter released in late October The bank decided to Read more Back to Top PPI won t curb rate rise economists On July 27 2010 Finance News Leave a comment Carr told AAP last week he expected headline CPI to have grown at pace of 1 0 per cent in the June quarter for a year on year rate of 3 4 per cent The ABS data showed at the intermediate stage in the June quarter the PPI Read more Back to Top Inflation rise could force RBA s hand On April 29 2010 Finance News Leave a comment an already conflicting set of signals the RBA must interpret before Tuesday If doubts about Greece s capacity to finance its deficit causes the RBA to hold fire next week it will be only a brief reprieve for mortgage holders Mr Langford said Unless of course problems Read more Back to Top RBA hints end to home loan rate rise run On April 27 2010 Finance News Leave a comment in Toowoomba last week RBA governor Glenn Stevens said with the economy growing close to trend and inflation close to target interest rates are now falling back to normal levels The Reserve Bank has moved early to raise the cash rate to levels that deliver interest Read more Back to Top April RBA Board Minutes Central Bank Signals More Rate Hikes Ahead On April 23 2010 Finance News Leave a comment RBA March Board meeting minutes painted a very upbeat growth outlook for the emerging Asian and

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  • basis point rate Archives « Formula 1 Finance Formula 1 Finance
    the Australian Bureau of Statistics showed that retail spending dropped by 0 20 per cent in April compared to March A rate reduction could Read more Back to Top Majors hold fire on interest rate cut On May 2 2012 Bank Profits Enconomy Financial goals Home loan product Inflation Interest rate Wealth Comments Off major banks are unlikely to pass on the full 50 basis point rate cut to borrowers Yesterday the Reserve Bank cut the cash rate by 50 basis points to 3 75 per cent the biggest drop since the peak of the Global Financial Crisis and the lowest level since Read more Back to Top Rate cut expected after weak inflation On April 26 2012 Enconomy Financial goals House prices Inflation Interest rate Wealth Comments Off Reserve Bank of Australia is all but certain to cut rates in May with new CPI data weaker than expected CPI rose by 0 1 per cent in the March quarter of 2012 The Housing Industry Association said the CPI result was weak enough to warrant a Read more Back to Top Investors advised to buy now On February 29 2012 Budget Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off put their money into property for the long term are being advised to buy now Housing Industry Association says investors with adequate savings would do well to invest in property as it is a real buyer s market at the moment Now is definitely a good time Read more Back to Top Banks likely to withhold rate cut On February 1 2012 Bank Profits Enconomy Finance News Financial goals House prices Interest rate Wealth Comments Off with its funding costs and review its rates on the second Friday of each month independently of the RBA Less than one week later Westpac said that the lender had decided to follow ANZ s suit and review its mortgage rates independently of the Reserve Bank Read more Back to Top NAB cuts rates On December 8 2011 Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off has announced a rate cut late this afternoon Just hours after ANZ announced it would pass on the full 25 basis point rate cut to their borrowers NAB has followed suit NAB was widely criticised last month when it was the only major not to pass on Read more Back to Top First major moves on rates On December 8 2011 Bank Profits Budget Enconomy Finance News Financial goals Home loan product Inflation Interest rate Wealth Comments Off days after the RBA Board made its announcement the first full 25 basis point rate cut has been delivered by one of the big four banks ANZ has made the decisive move handing borrowers the full quarter percent After a tense stand off between the biggest banks Read more Back to Top Inflation to increase home loan interest rate On October 26 2010 Finance News Leave a comment trend with business surveys suggesting

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  • basis point Archives « Formula 1 Finance Formula 1 Finance
    to new research by RP Data In the latest Buy Vs Rent Report RP Data found Queensland boasts the greatest number of suburbs and Read more Back to Top RBA cuts rates On December 4 2012 Australian Dollar Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off The Reserve Bank of Australia has stripped 25 basis points from the official cash rate taking it to the all time low of 3 per cent The rate cut means the Reserve Bank has now slashed 125 basis points from the cash rate over the last 12 Read more Back to Top Rate cut likely On December 3 2012 Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off many economists believe the Reserve Bank of Australia RBA will cut the official cash rate again when the Board meets tomorrow it is not a guaranteed event With new economic data showing weakening investment intentions and only modest signs that monetary policy is driving rebalancing of Read more Back to Top Rates on hold On August 7 2012 Budget Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off rates on hold Most of the housing market indicators are now pointing in a positive direction Since the start of the year RP Data has been seeing a reduction in total stock levels clearance rates have improved homes are taking a shorter number of days to Read more Back to Top Fixed rate cycle tipped to turn On July 25 2012 Enconomy Finance News Financial goals Home loan product House prices Interest rate Wealth Comments Off Despite a spate of recent data indicating that the popularity of fixed rates is waning now might be the right time for mortgage holders to fix their loan Fixed rates are very low at the moment lower than they have been in years and as such borrowers should think Read more Back to Top ANZ delivers rate cut On June 8 2012 Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off a move that will likely surprise the market ANZ has passed on the RBA s full 25 basis point cash rate cut The lender is the first of the majors to move cutting interest rates by 25 basis points from 7 05 down to 6 80 per cent effective 15 Read more Back to Top RBA cuts rates On June 5 2012 Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off The Reserve Bank of Australia has cut the official cash rate for the second consecutive month The decision came as no surprise to many economists after last night s share market fiasco Australian shares hit a six month low at close of business yesterday wiping approximately 23 billion from the Read more Back to Top Interest rate cut looming On June 4 2012 Bank Profits Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off good possibility that the Reserve

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  • the big four banks Archives « Formula 1 Finance Formula 1 Finance
    percent After a tense stand off between the biggest banks Read more Back to Top Banks cost of funds just an excuse On November 17 2010 Bank fees Bank Profits Inflation Interest rate Leave a comment new report has found the banks interest expenses have risen by less than the RBA s rate hikes According to the Australian Institute report the major banks have been profiteering by lifting rates above the RBA s official moves All the major banks have consistently claimed that their Read more Back to Top Expect more rate rises from banks PIMCO On July 15 2010 Finance News Leave a comment than it was last time because of these additional funding costs for the banks Mr Mead s prediction of the need for out of cycle interest rate hikes by banks echo those of local funds managers and banking analysts This includes UBS Jonathan Mott CLSA Asia Pacific s Brian Johnson Read more Back to Top Specialist borrower defaults spike On May 28 2010 Finance News Leave a comment suggesting a growing number of home owners are finding themselves in mortgage stress According to a recent report by Moody s Investors Services 13 per cent of non conforming borrowers are in arrears on their repayments up from 12 1 per cent last quarter despite a drop in unemployment Read more Back to Top AMP Bank Ltd to lower interest rates on its entry level home loan products after hiking mortgage rates earlier this month On March 22 2010 Finance News Leave a comment introductory variable home loan rate applies for only one year and will revert to AMP s professional pack or classic club variable home loan rate thereafter the bank said in a statement on Sunday The new rates apply to new customers and become

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  • residential investment Archives « Formula 1 Finance Formula 1 Finance
    for the soaring popularity of self managed super funds SMSFs With many of the features of regular home loans these products entitle trustees to borrow within their SMSF to buy residential investment property or refinance an existing SMSF loan Read more Back to Top Median house prices on the up On September 13 2012 Enconomy Finance News Financial goals First Home Buyer Inflation Wealth Comments Off have been putting the big decisions such as upsizing or downsizing their housing preferences on hold for some time now but there is evidence to suggest that activity in the property market is beginning to build again Investors are also seeing strong demand for rentals in Read more Back to Top ANZ increases Home Loan to Value Ratio to 97 On August 26 2010 Finance News Leave a comment Monday 6 September 2010 the maximum Loan to Value Ratio accepted by ANZ for Home and Residential Investment Loans will change to reflect the following For eligible existing lending customers the maximum Loan to Value Ratio is 95 with the option to finance the LMI premium Read more Back to Top RBA on hold inflation now in focus On May 31 2010 Finance News Leave a comment has effectively ensured that the Board will hold steady in June The release of the March quarter national accounts on the following day is expected to support the steady rates decision with growth registering only 0 4 for the quarter following 0 9 in the December quarter Private Read more Back to Top Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year

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  • variable rates Archives « Formula 1 Finance Formula 1 Finance
    have been in years and as such borrowers should think about fixing part or all of their home loan Historically speaking when fixed rates fall below 6 per cent they tend to be good value Current rates Read more Back to Top Interest rate cut looming On June 4 2012 Bank Profits Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off rate again at tomorrow s board meeting The latest figures from the Australian Bureau of Statistics showed that retail spending dropped by 0 20 per cent in April compared to March A rate reduction could help improve consumer confidence and therefore drive spending The current average standard variable Read more Back to Top Fix or not On March 28 2012 Budget Enconomy Finance News Financial goals Home loan product Interest rate Wealth Comments Off drop in fixed rates by a number of banks and lenders has increased the number of borrowers who are fixing their home loans If you decide to do the same make sure you are fixing for all the right reasons not just the lure of a Read more Back to Top Banks to move regardless of RBA On March 6 2012 Bank Profits Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off from markets that have seen costs of funds rise by 100 basis points at least That is reason why we have seen out of cycle rate hikes and I wouldn t be surprised to see more still as the banks look to pass on the higher costs Read more Back to Top Fixed Rate Price War Continues On October 5 2011 Bank Profits Budget Financial goals Home loan product Interest rate Wealth Comments Off the last two months almost all of Australia s lenders have slashed the interest on their fixed rate products with CBA ANZ Westpac and NAB carving up to 20 basis points off their respective fixed rates Variable rates have also seen heavy discounting Good news for Read more Back to Top Westpac NAB hike interest rates On November 15 2010 Home loan product Interest rate Leave a comment the majors have now officially lifted their standard variable rates above the RBA with Westpac and NAB lifting their respective rates NAB moved 0 43 per cent 18 basis points above the RBA Meanwhile Westpac increased its standard variable rate 0 35 per cent the lowest Read more Back to Top Fixed rate mortgage demand On October 5 2010 Interest rate Leave a comment look to lock in their interest rate ahead of the next predicted rise It appears fixed rate home loans now account for 3 7 per cent of all loans written the highest level since September 2009 New borrowers are becoming more cautious about their interest rate Read more Back to Top Fixed interest rates to climb On September 23 2010 Finance News Leave a comment up 30 40bps in fixed rate terms since the start of the month driven mainly by RBA Governor

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