Think property prices will dip when rates rise? Don’t bet the house on it
Whether you’re looking to buy, sell or hold, there’s a good chance you’ve wondered whether the property market will tumble when interest rates rise, right? Today we’ll look at what happened to house prices when interest rates were hiked in the past.
Wheels in motion: RBS paves the way for early cash rate rise
Mortgage holders are facing a sooner-than-expected cash rate rise after the Reserve Bank of Australia (RBA) revised its outlook due to the economy bouncing back strongly from the Delta outbreak. So just how soon can we expect a rate rise?
A helping hand onto the property ladder
Buying your first home is always a big step, but with property prices rising faster than pay packets taking that first step seems more challenging than ever.
Retirement income on the house
Asset rich and income poor is the dilemma faced by many retirees. But there may be opportunities to boost your income in retirement by tapping into your biggest asset – your home.
With property prices booming, many retirees are finding that the home they have lived in for decades is worth a small fortune, but for various reasons they don’t wish to sell or downsize.
Cyber security - protecting yourself at home
Greater flexibility in working arrangements has been a by-product of the pandemic, as working from home has become more widespread. In fact, The Families in Australia Survey: Towards COVID Normal reported in November 2020 that two thirds of Aussies were working from home.
Netflix and too chill: house hunters cutting corners on inspections
More than half of Australian house hunters spend the same amount of time inspecting a property as they do watching an episode on Netflix, according to new research.
We get it. You see a house you like and you immediately want to buy it, warts and all.
Home sweet home
It is the great Australian dream to own your own home. But how does your home affect your age pension or the aged care fees you can be asked to pay?
Eligibility for an age pension and liability to pay aged care fees, are both impacted by your assets and income. This includes an assessment of where you live and your ownership status.
Are you relying on a personal credit card for business expenses?
We’ve all been guilty of the odd credit card mix-up from time to time – it happens! But if you’re consistently relying on a personal credit card to pay your business expenses – like 4-in-10 SME owners – then it’s probably time to explore other funding options.
Seismic shift: two major banks hike fixed interest rates
Are the days of ultra-low fixed interest rates over? It’s looking increasingly so, with two major banks increasing their fixed rates this week. So if you’ve been thinking about fixing your mortgage lately, it could be time to consider doing so.
The importance of labelling the purpose of your investments
I wish I had a dollar for every time I have been casually asked “what would you recommend as an investment right now?”. It’s easy to see why someone might think I would be a good person to ask.
How 1-in-10 first home buyers cracked the market 4 years sooner
Almost 33,000 Australians bought their first home four years sooner thanks to two federal government schemes that give first home buyers a leg up into the property market. Could you, or someone you know, be eligible?
Bar raised for borrowers: tougher home loan serviceability tests
Some borrowers will soon find it harder to get a mortgage after the banking regulator announced tougher serviceability tests for home loans. So who will they impact most?
Responsible investing on the rise
For many people, there’s much more to choosing investments than focusing exclusively on financial returns. Returns are important, but a growing number of people also want their investments align with their values.
Decision making your way to the best outcome
Throughout our lives, making a decision is something we do thousands of times a day. Our first thought occurs as soon as we wake, and our final thought when we drift off to sleep. Researchers have found on average, that most people will have approximately 6,200 thoughts per day.i
The next smallest action
NSW has taken its first big step in emerging from their time in lockdown. In my location in Victoria, that will also start to occur over the coming weeks. Our thoughts are already starting to look to that future when more of our freedoms are returned.
Spotlight on Super Performance
Superannuation has provided most fund members with stellar returns since last year’s COVID lows. Some funds performed better than others and recent government reforms make it easier to find out how your fund compares.
Are you too loyal for your own good? The banks think so.
Did you think you wouldn’t qualify for the government subsidies on home care? Take another look – you might be surprised.
Too wealthy for home care subsidies?
Did you think you wouldn’t qualify for the government subsidies on home care? Take another look – you might be surprised.
Moving into care – do I have to sell my home?
If moving into residential aged care, do you really have to sell your home? What are your choices? Myths and misunderstanding about the rules can add to anxiety and confusion.
House price growth hits 17-year high, but is it slowing down?
You’d have to go all the way back to the 2004 Athens Olympics to find a time when house price growth was faster than it has recently been. But latest data suggests the golden run has started to slow down.

