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  • Interest rate Archives « Formula 1 Finance Formula 1 Finance
    National Australia Bank believes the Reserve Bank of Australia will cut the cash rate at least once more before the end of the year Speaking at the NAB Budget Breakfast in Sydney yesterday National Australia Bank s chief economist markets Rob Henderson said the reasons the Reserve Bank Read more Back to Top Rates on hold for now On March 5 2013 Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off The Reserve Bank of Australia failed to surprise industry pundits today with the board 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 The Right Time On March 1 2013 Finance News Financial goals Comments Off links Are your emotionally ready You need to be prepared to put your emotions aside and think like an investor not a home owner The property you buy doesn t need to be one you love or even particularly like as long as it meets the needs 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 Fix or not On February 15 2013 Enconomy Finance News Financial goals Home loan product Interest rate Wealth Comments Off rate rises your monthly repayments increase When choosing a variable it s important to plan for the possibility of rate rises and be able to adjust your budget accordingly Other options Split rate and capped loans are hybrids between fixed and variable loans Split rate loans allow Read more Back to Top Home values on the up On February 4 2013 Finance News Comments Off the coming months however we are likely to see the recovery trend continue through 2013 Despite improving market conditions in January dwelling values across the combined capital cities remain 4 6 per cent below their 2010 peak The latest housing market data add weight to the argument 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 the Bank would cut by as much as half a percentage point It s very likely the RBA will apply the same wait and see approach it demonstrated throughout 2012 at its meeting next week Most economic indicators are within targeted ranges and it appears homeowners aren t Read more Back to Top Retail to improve in 2013 On January 11 2013 Enconomy Finance News Financial goals House prices Inflation Wealth Comments Off had traditionally outperformed all other commercial property sectors over the past two decades but 2012 had

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  • commodity prices Archives « Formula 1 Finance Formula 1 Finance
    in the Reserve Bank s future deliberations on monetary policy While the Bank appears happy currently to assess the impact of recent interest rate reductions on the economy we expect that later in the year slower than desirable employment growth Read more Back to Top RBA Leaves Rate Unchanged On April 3 2012 Enconomy Financial goals Home loan product Interest rate Wealth Comments Off occurring Several countries in Europe will record very weak outcomes but the US economy is continuing a moderate expansion Growth in China has moderated as was intended and is likely to remain at a more measured and sustainable pace in the future Conditions around other parts Read more Back to Top RBA Leaves Official Cash Rate Unchanged On September 6 2011 Budget Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off over recent weeks as participants have confronted uncertainty about both the resolution of sovereign debt problems and the prospects for economic growth in Europe and the United States As a result the outlook for the global economy is less clear than it was earlier in the Read more Back to Top Domestic outlook Interest rate cut On August 4 2011 Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off particularly the July ISM reading and the 2 4 GDP figures suggest that the US economy has entered a significant economic slowdown As a result I was struck by the disparate growth outlook for both countries Clearly the minutes of the latest meeting reveal the RBA ha Read more Back to Top RBA SOFTENS ITS OUTLOOK On July 5 2011 Finance News Leave a comment its meeting today the Board decided to leave the cash rate unchanged at 4 75 per cent The global economy is continuing its expansion but the pace of growth slowed in the June quarter The supply chain disruptions from the Japanese earthquake and the dampening effects of high Read more Back to Top RBA holds home loan rates steady On September 7 2010 Finance News Leave a comment and inflation remain unchanged With the general concern about the global economic outlook emphasising that external conditions remain somewhat uncertain While local economic data shows the Australian economy has grown at the fastest pace in three years ongoing economic uncertainty abroad ultimately forced the RBA to Read more Back to Top Home Loan Rates may rise in August economists On July 7 2010 Finance News Leave a comment board meeting but this would also demand some stability in global markets and data Ms Ong said The hurdle to hike has clearly risen given the global uncertainty and the risk remains that this current pause may turn into one that is more protracted Citigroup managing Read more Back to Top Statement by Glenn Stevens Governor Monetary Policy Decision On July 6 2010 Finance News Leave a comment in the first half of 2010 but the pace of labour market improvement is slow Caution in financial markets has been evident in

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  • House prices Archives « Formula 1 Finance Formula 1 Finance
    last year have meant that the rate now sits at a historic low of three per cent The combination of low interest Read more Back to Top Property prices to rebound On February 25 2013 Budget Enconomy Finance News Financial goals House prices Inflation Comments Off expect to see a recovery in house prices over the coming two years Expected growth in property prices to the level of overseas migration If you look at the long term changes in migration we seem to be experiencing an upswing at the moment More people are 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 property prices have hit the bottom of the cycle median house prices across Australia s capital cities increased 1 4 per cent over the June quarter In addition other dwellings were up 0 6 per cent according to the latest data from the Bendigo Bank REIA Real Estate Market Facts 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 to leave the cash rate on hold at 3 5 per cent for another month to see what effect the rate cuts made earlier in the year will have on the property market The decision comes just one week after the Australian Bureau of Statistics revealed Australia s inflation Read more Back to Top RBA cuts rates On June 5 2012 Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off 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 RBA cuts interest rates 50bp On May 1 2012 Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off following weaker than expected inflation data The Board thought it was prudent to cut the official cash rate 50 basis points to 3 75 per cent after headline inflation turned out to be significantly lower than the RBA s target range of 2 to 3 per cent The Read more Back to Top May rate cut on the cards On April 10 2012 Australian Dollar Enconomy Financial goals House prices Inflation Interest rate Wealth Comments Off is mounting on the Reserve Bank of Australia RBA to cut the cash rate in May after unexpected hurdles slow the nation s growth The increasing cost of living may spark the RBA to drop rates with average petrol prices over the long weekend over 1 50 according to Read more Back to Top Price Bubble Debunked On March 16 2012 Enconomy Finance News Financial goals House prices Wealth Comments Off talk of a housing price bubble ANZ research shows

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  • australian bureau of statistics Archives « Formula 1 Finance Formula 1 Finance
    cut the cash rate in May after unexpected hurdles slow the nation s growth The increasing cost of living may spark the RBA to drop rates with average petrol prices over the long weekend over 1 50 according to the Australian Institute of Petroleum The latest RP Read more Back to Top Housing affordibility problem continues On February 24 2011 Enconomy House prices Leave a comment housing affordability problem shows no sign of abating according to recent figures Data from the Australian Bureau of Statistics found residential construction work done fell by 1 1 per cent in the December 2010 quarter New residential building work done fell by 1 7 per cent in the Read more Back to Top Low inflation will the big four hike interest rates anyway On October 28 2010 Finance News Leave a comment low inflation has quelled concerns that the RBA may lift rates next week According to the Australian Bureau of Statistics underlying inflation for the year to September eased to a five year low of 2 4 per cent dropping to the bottom half of the RBA s Read more Back to Top PPI won t curb rate rise economists On July 27 2010 Finance News Leave a comment producer price index PPI at the final stage of production rose 0 3 per cent in the June quarter for an annual rise of 1 0 per cent the Australian Bureau of Statistics reported on Monday This compares with a 1 0 per cent rise in the March quarter Read more Back to Top Home Loan Rates may rise in August economists On July 7 2010 Finance News Leave a comment a lift in the domestic economy and future rate rises That is the Aussie economy is travelling along nicely and inflation is stubbornly high Mr Walters said As such we believe this tightening cycle still has some way to run The central bank lifted the cash Read more Back to Top HIA calls for rate halt On July 2 2010 Finance News Leave a comment Industry Association HIA chief economist Dr Harley Dale has called on the RBA to keep rates on hold following disappointing building approvals in May 2010 According to the Australian Bureau of Statistics housing approvals fell in five of the six states Tasmania and Western Australia suffered Read more Back to Top Home Loan Rate pause likely RBA On May 19 2010 Finance News Leave a comment RBA has all but confirmed that home buyers can expect a reprieve from rising rates after admitting that its rapid succession of rate rises had hit household spending and curbed borrowing Data from the Australian Bureau of Statistics shows housing finance to owner occupiers weakened in March Read more Back to Top Job rate stable as home loan interest rates take effect On May 14 2010 Finance News Leave a comment home loan interest rate rises have cooled hiring with the unemployment rate remaining stable at 5 4 per cent Data from

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  • growth rate Archives « Formula 1 Finance Formula 1 Finance
    research The latest Westpac Melbourne Institute Growth Index found the annualised growth rate was 4 6 per cent in September The speed of the turnaround is a little disconcerting The growth rate of the Leading Index continues to Read more Back to Top House Prices Continue to Surge On September 20 2010 House prices Leave a comment housing market has recorded an average annual growth rate of 8 4 per cent over the past three decades RP Data s latest findings found that Australian house prices double every 10 years based on an annual compounding rate of 7 2 per cent This is confirmed by any Read more Back to Top House prices still gaining ground On September 15 2010 Finance News Leave a comment house prices grew significantly over the June quarter The median house price in accross Australia climbed 3 2 per cent to 533 243 last quarter Auction clearance rates remained fairly high on average over the June quarter Sydney Melbourne and Brisbane were the major contributors to the nation s median 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 As expected the RBA kept the cash rate on hold at 4 50 Rates have been on hold since June Some banks are whispering the cost of funds are increasing so there is a very slim chance of them raising rates above the RBA at the next opportunity With Read more Back to Top RBA to hold on home loan interest rates On July 6 2010 Finance News Leave a comment in 2011 The key will be whether the RBA is inclined to lower its growth forecasts for Australia in 2011 and 2012 At present the Bank is forecasting GDP growth of 3 75 in 2011 and 4 in 2012 It assesses trend growth as 3 25 A central Read more Back to Top RBA Credit May 2010 On July 1 2010 Finance News Leave a comment Today s May RBA Credit data indicates in our view that credit growth is supporting domestic growth outlook The 0 4 rise in business credit is positive for the expected recovery in business lending over 2010 and 2011 But the recovery may be gradual Corporate deleveraging appears to be Read more Back to Top RBA on hold inflation now in focus On May 31 2010 Finance News Leave a comment transport 1 2ppts housing and rents 0 9ppts retail bank margins 0 7ppts and food 0 5ppts Of course the transport component was largely driven by the 33 surge in petrol prices over the previous two years as the oil price jumped from around US 30 bbl to US 140 bbl petrol would Read more Back to Top CBA predict home loan rates to hold until may On April 1 2010 Finance News Leave a comment CBA expect the RBA to lift the home loan cash rate to 4 25 in May

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  • growth forecasts Archives « Formula 1 Finance Formula 1 Finance
    Off believe that we can expect a further 50 to 75bps of rate cuts I have found the RBA comments quite encouraging In recognising that the non mining sector of the economy will remain below trend and forecasting that inflation will be contained there appears to be ample scope for Read more Back to Top RBA to hold on home loan interest rates On July 6 2010 Finance News Leave a comment meets this Tuesday No one could possibly be expecting any change in policy to come from his meeting The key conflicting issues for the RBA will be the outlook for the global economy and the contagion of the European turmoil back to Australia The key links Read more Back to Top RBA on hold inflation now in focus On May 31 2010 Finance News Leave a comment with net exports subtracting 0 2 ppt s inventories adding 0 2 ppt s and a small statistical discrepancy With uncertainty around all these last items including total government spending there is risk of even lower growth Prospects are better for the second half of 2010 with investment rebounding residential Read more Back to Top RBA flags further rate rises On February 8 2010 Finance News Leave a comment encourage spending and consumption The central bank s monetary policy statement says an improved outlook for the resources sector with higher commodity prices is also likely to bolster economic growth and this is clearly not due to temporary policy factors But the Reserve Bank is more cautious 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

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  • the banks Archives « Formula 1 Finance Formula 1 Finance
    the Reserve Bank of Australia will drop the cash rate when the Board meets next week it is becoming increasingly unlikely that Australia s banks will pass on any rate cut in full The banks have gone to Read more Back to Top More Interest Rate Cuts On November 7 2011 Australian Dollar Budget Enconomy Finance News Financial goals Home loan product House prices Inflation Interest rate Wealth Comments Off In recognising that the non mining sector of the economy will remain below trend and forecasting that inflation will be contained there appears to be ample scope for further rate cuts should that non mining sector continue to underperform However the growth forecasts for the second half of Read more Back to Top Banking reforms bad news for brokers On December 14 2010 Bank fees Government banking reform Leave a comment Wayne Swan s proposed banking reforms could have negative ramifications for brokers It is hard to tell what impact any banking reforms would have on brokers until they are formally introduced the government s plan to slash mortgage exit fees could force lenders to recoup these costs elsewhere Read more Back to Top Interest Rates to hold On November 22 2010 Finance News Leave a comment RBA is widely expected to leave rates on hold until February 2011 Last month the Reserve Bank lifted rates by 25 basis points the first rate hike in six months While there has been growing speculation that the RBA could lift rates again in December Read more Back to Top Enconomy stalled no good for home owners On November 19 2010 Enconomy House prices Inflation Interest rate Leave a comment the turnaround is a little disconcerting The growth rate of the Leading Index continues to point to a solid pace of expansion heading into late 2010 early 2011 but that pace has slowed abruptly over the last six months Dwelling approvals 1 3ppts overtime worked 1 3ppts and productivity 1 3ppts have 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 Refinancing could be costly On November 16 2010 Bank fees Interest rate Leave a comment including fixed rates so until you know what the reshaped market looks like the risk is that you make a costly decision ASIC s new legislation which requires banks to justify their exit fee charge has added extra uncertainty to the mortgage industry and must be considered Read more Back to Top Inflation Home Loan Rate Rise On October 20 2010 Inflation Interest rate Leave a comment point Instead it watches a range of indicators to determine

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  • consumer spending Archives « Formula 1 Finance Formula 1 Finance
    hold On August 3 2010 Finance News Leave a comment borrowers around their average levels of the past decade With growth likely to be close to trend inflation close to target and the global outlook remaining somewhat uncertain the Board judged this setting of monetary policy to be appropriate Mr Stevens said This view was widely Read more Back to Top RBA Credit May 2010 On July 1 2010 Finance News Leave a comment in May to be 3 1 higher over the past year A number of factors are lifting the personal credit figures The major one has been the gradual lift in margin lending into the share market Consumers also appear to be gradually changing their relatively cautious use Read more Back to Top RBA on hold inflation now in focus On May 31 2010 Finance News Leave a comment 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 final demand is expected to contract by 0 2 the first negative Read more Back to Top Westpac Predict Home loan rates to hold for now On April 1 2010 Finance News Leave a comment domestic spending A movement to 4 5 is likely to see the variable mortgage rate reach nearly 7 5 At the equivalent stage of the last tightening cycle in March 2005 the increase in the variable mortgage rate to 7 5 resulted in a violent 15 5 fall in Consumer Read more Back to Top RBA Governor s testimony confirms home loan rates to rise timing uncertain On February 22 2010 Finance News Leave a comment of leverage that is the critical concern 7 Labour market strength

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