Podcasts about ratecity

Economists don't understand residential real estate very well and they're scratching their collective heads over why prices keep rising when interest rates are high. Here's a couple of simple things to help them out: one is that, historically, there's no evidence that rising interest rates lead to falling property prices. There's nothing unusual about what's currently happening in Australian property markets. But the key factor is that we have very high demand for real estate, fuelled by record population growth, at a time of incredibly low supply.  The rental shortage is well documented. But another statistic that depicts under-supply is the incredibly low level of listings in many parts of the nation. The number of homes for sale is at dramatically low levels.  In June, the number of national residential property listings decreased by 8.3% compared to May. Part of that was a 13% decline in the number of new listings of homes for sale, according to SQM Research. Notably, all major cities experienced a decrease in their listings in June. Adelaide recorded the largest monthly decrease in total listings, falling by over 15%. Melbourne and Perth followed, both recording decreases of 12%.  Perth recorded the largest annual decrease of 32%, while Adelaide, Brisbane and Darwin also had big falls in the number of homes for sale. The data on listings correlates generally with the results we are seeing with prices. The cities with the biggest declines in the number of properties for sale – Perth, Adelaide and Brisbane – are the ones with the major escalation in prices. Cities where listings remain higher than a year ago – like Melbourne, Canberra and Hobart – are the weakest performers on price growth recently. In Melbourne, for example, listings are 12% higher than a year ago. It illustrates, yet again, that we don't have a single property market in Australia, but lots of local markets doing different things. And it also shows that supply and demand factors will override other issues, such as high interest rates. A new factor now coming into the equation is the Federal Government's tax cuts, which are likely to add to demand and put further upward pressure on prices by increasing borrowing capacity. According to an analysis done by Shore Financial, borrowing capacity would increase by 4% for those with an income of $90,000 and 5% or more for those with an income of $100,000 or more. According to Mortgage Choice, the borrowing capacity of a buyer with a $100,000 income could increase by about $25,000 while someone earning $150,000 could borrow about $37,000 more. In the meantime, the capacity of Australians to cut through all the barriers and buy real estate is shown in the lending figures – including the rise in the size of the average loan, which now sits at $625,000. Sally Tindall, research director at comparison website, RateCity.com.au., says this: “Over the last two years, buyers have seen their maximum borrowing capacity plummet, in some cases by hundreds of thousands of dollars, as a result of the RBA hikes, and yet the average new loan size has hit a new record high. Tindall says: “It's astounding to think owner-occupiers are, on average, taking out larger loans than ever before, despite the fact the cash rate is sitting at a 12-year-high.” Maybe it's not so astounding, given that demand from owner-occupiers and from investors remains high and supply continues to be low, putting further upward pressure on prices.  

Australians are struggling with credit card debt, and are still having huge amounts to pay back at the end of each month.See omnystudio.com/listener for privacy information.

The consensus view is that interest rates have peaked in this cycle. Banks are already snipping their fixed rate mortgage rates (which is good) while also reducing the rate they pay on cash deposits (which is not so good). It's time to find out what's going on in the finance market.In today's show, we cover:  The beginning of lower fixed-rate mortgages Beyond the big four - where to hunt for cash rates Why the First Home Super Saver scheme is too much trouble The trouble with SMSF loans  Sally Tindall, head of research at comparison service, RateCity, joins Wealth Editor James Kirby in this episode See omnystudio.com/listener for privacy information.

While the Reserve Bank is unlikely to move the needle on interest rates when it meets, some banks are trying to get ahead of the curve.See omnystudio.com/listener for privacy information.

SBS Finance Editor Ricardo Gonçalves takes a look at the year that was in business and finance with Kyle Rodda from capital.com including the top tories of the year and his outlook for 2024, plus Sally Tindall from RateCity offers her advice for anyone looking to buy last minute Christmas Gift Cards. - سال 2023 اب چند ہی دنوں کا مہمان ہے لیکن یہ جاتے جاتے گزرے تمام برس کے دوران کڑے اقتصادی امتحانات کی یاد چھوڑے جارہا ہے جب آسٹریلیا اور دنیا بھر میں لوگ اخراجات زندگی کے بڑھتے ہوے بوجھ تلے خاصے پریشان رہے۔ ایسے اندازے لگاے جارہے ہیں کہ اگلا برس اس سے بھی سخت ثابت ہوسکتا ہے۔

SBS Finance Editor Ricardo Gonçalves takes a look at the year that was in business and finance with Kyle Rodda from capital.com including the top tories of the year and his outlook for 2024, plus Sally Tindall from RateCity offers her advice for anyone looking to buy last minute Christmas Gift Cards.

SBS Finance Editor Ricardo Gonçalves takes a look at the year that was in business and finance with Kyle Rodda from capital.com including the top tories of the year and his outlook for 2024, plus Sally Tindall from RateCity offers her advice for anyone looking to buy last minute Christmas Gift Cards.

Banks have reacted to the cash rate increase, with ANZ, NAB & Westpac all pushing lending rates up.See omnystudio.com/listener for privacy information.

The RBA holds rates for the fourth consecutive month, full analysis with Deutsche's Phil O'Donaghoe and RateCity's Sally Tindall. Plus, as building approvals lift, Master Builder's CEO explains why construction insolvencies is so high.See omnystudio.com/listener for privacy information.

How do you choose a home loan? What's on the menu...and how on earth do you pick the package that is best for you? In today's show we cover; how to get a basic home loan, selecting between fixed and variable, offsets and interest-only, and moving beyond the 'Big Four' banks. Sally Tindall the Research Director at comparison service RateCity joins Wealth Editor James Kirby for this special series episode.See omnystudio.com/listener for privacy information.

We talk with Sally Tindall from RateCity about the current state of the interest rates and how are people managing to get bigger deposits? A lack of stock is pushing up prices, inflation is tracking down, but does that mean it will be easier to buy a property? ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com  We include content that looks at Real estate development and Real estate industry insights.   We include content on home buying tips and commercial real estate. Also real estate market analysis and real estate investment strategies. Including residential property market and real estate trends. Also real estate finance and real estate agents and brokers. Plus real estate technology and real estate law and regulations, and real estate development and real estate industry insights. And real estate investing for beginners, real estate market reports and real estate negotiation skills.     #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty 

Sally Tindall from RateCity talked to Deb about the decline of cash in Australia's economy.See omnystudio.com/listener for privacy information.

After years of lockdowns, small businesses are now being whacked with deteriorating economic conditions.See omnystudio.com/listener for privacy information.

We talk to Sally Tindall from RateCity about surviving the fixed term cliff and how to survive your mortgage. Sally also discusses a focus on how an average single income earner can afford to survive after the bills are all paid for. ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com  We include content that looks at Real estate development and Real estate industry insights.   We include content on home buying tips and commercial real estate. Also real estate market analysis and real estate investment strategies. Including residential property market and real estate trends. Also real estate finance and real estate agents and brokers. Plus real estate technology and real estate law and regulations, and real estate development and real estate industry insights. And real estate investing for beginners, real estate market reports and real estate negotiation skills.     #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty 

A huge amount of fixed rate mortages are about to expire - almost a million this year alone. There's also a tussle underway as the banks compete for customers looking for the best refinancing deal. This episode we take a look at the impact on mortgage holders - from those on fixed rates, to those locked in 'mortgage prison', to those on variable loans facing into at least 10 interest rate hikes in a row. We analyse the rates on offer at the moment, what a 'good deal' looks like (and how to haggle) and what to do if you're in financial stress. And we haven't forgotten the SAVERS. Find out what's being offered to them now interest rates are on the rise, and how to do a health check on your savings account. RateCity Research Director Sally Tindall joins Gillian to explain this intriguing data story. Linked Episode: How to avoid 'mortgage prison' Resources for people in financial stress (thanks RateCity for compiling these): National Debt Helpline: 1800 007 007 Good Shepherd no interest loans Services Australia Payment and Service Finder State-based resources: Service NSW Savings Finder Service Victoria Savings Finder Queensland Govt Concessions Finder SA Govt Concessions Finder Concessions WA Concessions NT Tasmanian Govt Discounts and Concessions ACT Savings Finder See omnystudio.com/listener for privacy information.

Rates rise for the ninth consecutive time, ANZ's Chief Economist Richard Yetsenga reveals when rate hikes will end. Plus, more interest rates analysis from St Georges' Besa Deda and Ratecity's Sally Tindall explains the hip-pocket impact.See omnystudio.com/listener for privacy information.

As the Christmas rush approaches, many people will opt for gift cards as present option, so what do you need to know about them? SBS Finance Editor Ricardo Gonçalves speaks with Sally Tindall from RateCity for more; plus Raymond Chan from Morgans Financial Limited goes through the day on the markets, including why China will be a key theme for investors in 2023.

As the Christmas rush approaches, many people will opt for gift cards as present option, so what do you need to know about them? SBS Finance Editor Ricardo Gonçalves speaks with Sally Tindall from RateCity for more; plus Raymond Chan from Morgans Financial Limited goes through the day on the markets, including why China will be a key theme for investors in 2023.

Most banks have passed on the 0.25% cash rate rise by the RBA to mortgage holders, but new customers could cash in as banks seek to snap up loans.See omnystudio.com/listener for privacy information.

Comprehensive analysis of the RBA's rate hike with commentary from St George's Chief Economist Besa Deda, GSFM's Stephen Miller and Ratecity's Sally Tindall. Plus, ACCC says airlines aren't price gouging and trade figures slow down.See omnystudio.com/listener for privacy information.

The Reserve Bank lifts rates by 0.25BPS to 2.85%, HSBC's Paul Bloxham forecasts when rates will stop going up, plus , Ratecity's Sally Tindall on how to get the best deal and Treasurer Chalmers rejects a U.S. style super profits tax.  See omnystudio.com/listener for privacy information.

Protecting our Data & Identity- What we can all do TODAY!   By now, most of us would have heard about the Optus data breach, which compromised the sensitive information of up to 10 million customers. The Optus data breach highlights and reminds us that we live in a world where scammers exist and where there is a real need for all of us to increase our vigilance. On this week's Military Life Podcast Episode, Head of Fraud at Defence Bank Mike Smith and Michael O'Reilly, Chief Marketing & Product Officer talk us through;   -What happens when there is a data breach, who notifies us and which information to trust? -Why we should all be monitoring our credit history and scores and how it can provide an early warning sign of identity theft. You can also check out Defence Banks Intel Blog ‘How to use your credit score to uncover identity theft' -How to check our credit history and scores via platforms like Equifax, RateCity, Credit Savvy or Finder and how regularly we should be doing it. You can also check out Defence Bank's Intel Blog article ‘How often should I be checking my credit score?' -Why someone would want to steal our identity and what our identity can be used for. -Phishing scams- What are they and the popular ones circulating at the moment like the Netflix Scam, the Toll Road Scam and the Hi Mom Scam. You can also check out Defence Banks Intel Blog ‘Five Major Phishing Scams you need to avoid' -Available information and resources to help you stay ahead of scammers and protect your personal information.  -ScamWatch, the Australian Security Centre, MoneySmart and the Office of the Australian Information Commissioner and IDCare, a not-for-profit that provides free support to Australians who have been impacted by fraud or scams. -How we can determine if someone is trying to scam us and the steps we can take if the unfortunate happens and we fall victim to a data breach, scam or identity theft. You can also check out Defence Banks' Intel Blog ‘What can you do if you've been scammed?' -Free and safe Government resources we can access if we have been impacted by fraud or scams and the ways we can prevent further impact through things like requesting a ban on our credit report. -What can be learnt from the OPTUS data breach for consumers, and going forward, what should be front of mind for all of us?   Your best defence is to stay one step ahead of scammers by reading up on the latest information and scams in circulation. Defence Bank has a series of blog articles about scams, fraud and security. Read more by visiting their website here. You can find out more information about Credit History/Score platforms Equifax here, or RateCity here, or Credit Savvy here, or Finder here.

Rising interest rates mean banks are reducing the amount potential home buyers can actually borrow, taking the pressure of home prices. SBS Finance Editor Ricardo Gonçalves takes a look at the changing market dynamics with Sally Tindall from RateCity. Plus, David Berthon-Jones from Aequitas Investment Partners goes through the day's market action including the Australian dollar's fall to a 2-and-a-half year low against the US.

Rising interest rates mean banks are reducing the amount potential home buyers can actually borrow, taking the pressure of home prices. SBS Finance Editor Ricardo Gonçalves takes a look at the changing market dynamics with Sally Tindall from RateCity. Plus, David Berthon-Jones from Aequitas Investment Partners goes through the day's market action including the Australian dollar's fall to a 2-and-a-half year low against the US.

The big four jumped at the opportunity to put up their variable rates by the full amount, but it wasn't as good news for savers.See omnystudio.com/listener for privacy information.

On today's show: The West's crime reporter Daryna Zadvirna joins us from Inglewood where a suspicious fire has ripped through an abandoned building with bikie links The RBA is set to meet this afternoon to decide whether to increase interest rates again. Sally Tindall from RateCity explains what this means for you. The Motor Trade Association of WA want o end the weekly fuel cycle as fuel prices are expected to soar tomorrow News with Syan Vallance Wild West with Kate Ryan For these stories and more, head to thewest.com.au and perthnow.com.auSee omnystudio.com/listener for privacy information.

RBA lifts the cash rate to 2.60%. Ross Greenwood asks the Shadow Treasurer Angus Taylor whether Australia is heading for a recession. Also, as NAB and Westpac lift rates, Ratecity's Sally Tindall reveals how to get the best deal.See omnystudio.com/listener for privacy information.

Inflation in the US has a lot of countries concerned - including Australia. Inflation for August finished at 8.3 percent - while it has fallen from its high of 9.1 percent, it was higher than what was expected, and saw the stock market freefall to its worst day in two years on Tuesday. That wiped $60 billion off Australian shares and has now raised concerns the RBA will have to increase interest rates more aggressively. To explain is Research Director for RateCity, Sally Tindall.See omnystudio.com/listener for privacy information.

All the major banks have now passed on the RBA's cash rate hike, and that's led mortgage holders in the outer suburbs of big cities to look towards refinancing as pressure increases.See omnystudio.com/listener for privacy information.

As the RBA lifts interest rates to 2.35%, ANZ's David Plank, GSFM's Stephen Miller and RateCity's Sally Tindall join the program to discuss when rate rises will ease and what impact they'll have on mortgagees. Plus Porsche says bye to VW.See omnystudio.com/listener for privacy information.

The RBA is widely tipped to lift official interest rates once again on Tuesday, so what will that mean for your mortgage, and what can you do about it? SBS Finance Editor Ricardo Gonçalves speaks with Sally Tindall from RateCity, plus Carl Capolingua from Think Markets on the day on the markets.

The RBA is widely tipped to lift official interest rates once again on Tuesday, so what will that mean for your mortgage, and what can you do about it? SBS Finance Editor Ricardo Gonçalves speaks with Sally Tindall from RateCity, plus Carl Capolingua from Think Markets on the day on the markets.

We talk to Sally Tindall from RateCity about the RBA predictions for September rate rise and fixed rates and a whole lot more. ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com    IF YOU LIKE THIS PODCAST please head to iTunes and Subscribe, Rate & Review the Real Estate Podcast     #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty

With the big 4 banks still quiet on whether they'll pass on the latest cash rate rise, it's savers that should be worried, with most banks not passing on full rates.See omnystudio.com/listener for privacy information.

The Reserve Bank of Australia is tipped to make history, with experts saying it will raise interest rates for the fourth consecutive month. An interest rate hike of half a percentage point could bring the cash rate to a six-year high of 1.85 per cent, which Treasurer Jim Chalmers said will make life harder. To explain is Research director with finance comparison website RateCity, Sally Tindall. See omnystudio.com/listener for privacy information.

As the RBA lifts rates, Ross Greenwood speaks to NAB's Senior Economist Gareth Spence and Ratecity's Sally Tindal. Plus reaction to Appen shares bombing out 27% and the tech company that has seen it's shares rocket over 4000%!See omnystudio.com/listener for privacy information.

Commonwealth Bank lifted its fixed rate mortgages by 1.4%, with all eyes on the RBA next Tuesday to see if they'll go with a hard rate rise again.See omnystudio.com/listener for privacy information.

Why exactly has the Reserve Bank of Australia lifted the cash rate so much, so soon? In this episode of The Smart Property Investment Show, host Grace Ormsby is joined by RateCity research director Sally Tindall to unpack the reasoning behind the Reserve Bank of Australia's decision to lift rates by half a per cent on 7 June 2022. The pair reflect on the ramifications of such a sharp increase and what it could mean for Australia's property market, highlighting which mortgage holders will and won't be affected by the change. Sally also sets out her own expectations for future rate rises, acknowledging the likelihood of another 50-basis point hike in July, before providing reassurance that while the short term might be difficult, it's all part of the economic cycle. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, Twitter and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Why exactly has the Reserve Bank of Australia lifted the cash rate so much, so soon? This week's episode of Secrets of the Top 100 Agents sees Grace Ormsby sit down with RateCity research director Sally Tindall to unpack the reasoning behind the Reserve Bank of Australia's decision to lift rates by half a per cent on 7 June 2022. Discussing the ramifications of such a sharp increase – and acknowledging the likelihood of an identical hike in the not-too-distant future, the pair contemplate what it could mean for Australian mortgage holders – and who will and won't be affected by the changes. In this episode, you will hear: How mortgage holders can brace for the impact of higher interest rates Just how much more Australians will be paying on their home loans When to expect rate rises in 2022 – and just how high the RBA will go Make sure you never miss an episode by subscribing to us now on Apple Podcasts. Did you like this episode? Show your support by rating us or leaving a review on Apple Podcasts (REB Podcast Network) and by liking and following Real Estate Business 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 a voice to the show, email editor@realestatebusiness.com.au for more insights.

Savers hardly felt the last interest rate rise, but the shock rise today might mean they'll be better off this time. See omnystudio.com/listener for privacy information.

Cryptocurrencies have crashed this week - bad news for the 1 million Australians with crypto accounts, so SBS Finance Editor Ricardo Gonçalves speaks with Carl Capolingua from ThinkMarkets for more; plus Sally Tindall from RateCity.com.au explains what you can do right now to get a better home loan rate, as two of the big four banks pass on the RBA's rate rise.

Cryptocurrencies have crashed this week - bad news for the 1 million Australians with crypto accounts, so SBS Finance Editor Ricardo Gonçalves speaks with Carl Capolingua from ThinkMarkets for more; plus Sally Tindall from RateCity.com.au explains what you can do right now to get a better home loan rate, as two of the big four banks pass on the RBA's rate rise.

We talk to RateCity research director Sally Tindall about the idea of buying a house with someone to split the cost and mortgage repayments. Is this a crazy idea or a logical one given the cost of getting into the market for a lot of Australians. ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com      #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty #sydneyrealestate