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passive income from property
Australian property investing
Australian property market update
interest rate changes
cashflow positive properties Australia

[lucaspaciello]

Your explanations are clear and straight forward It's always a honor to have you here as a mentor, I appreciate you for the time being spent to educate us financially. Regardless of how bad it gets the economy, I still makeover $28K every single week. I truly value  Shea Ardolf, and her helpful guides.

[harleystewart]

Me and my wife are in what they usually call "mortgage prison" meaning if we tried to refi we probably wouldn't qualify for our current debt so we are very keen for a rate cut to even be able to shop rates.

[josephj]

The AUD is too low. Rates are too low especially if you compare to the rest of the world (excluding Japan). We don’t need 0% growth for the next 30 years like Japan where the YEN has been smashed.

Japan once had expensive property values. Not anymore. Very affordable these days.

We need a buffer. 4.35% is far too low for a buffer to lower rates. I’m more inclined to wish rates were 2% higher. It’ll encourage money into banks providing greater stability.

If rates go too low again, many will pull their money out of banks, the AUD will fall and inflation will get awfully bad (imports become more expensive).

I’m hoping the RBA acts sensibly. The rates previously went too far low to begin with, which only fueled inflation.

What actually happens I have little faith in.

If you’re saving, keep saving. If you’re buying, factor in a 3% increase as a buffer. Never borrow thinking rates never go up or down. They constantly do.

[triggerdagrunoperator]

Cut rates, raise rates, it only matters to the homeowners that got in early, to the rest of us it doesn't matter as the overpriced housing in Australia is nothing but a ponzi scheme that will eventually fail and hurt a lot of people.

[MariaRosewoodjane]

The recent rise in interest rates, I must say, doesn't seem to be effectively curbing inflation. Instead, it's creating additional financial challenges for individuals. Cutting interest rates might alleviate some of the pressure.

[ashdivakaran]

Debt is a drug and Australia is a junkie, rates need to go up or people will continue to borrow X 20 their annual income

[MarkHeagney]

Rate cut before Christmas to boost retail sales and give GDP a chance to lift

[martycook]

November 2024 at best, Q1 2025 more realistic

[dgnbfujbvgjnv]

I think some banks rely on foreign sources for funding so the cost for banks will be different. Interesting to see how different banks are adjusting rates. I suspect those relying on foreign sources are cutting while domestic funding is expensive.

[junqueirapedro]

I think it is going to play like this. RBA is very pragmatic and will be reactive and not speculate. So I would not count on rate cuts this year. The only flip side is that if RBA is forced to cut rates is a recession (unspectacled) comes. Then it will cut. Probably banks are cutting because the bond markets are pricing a bit a of reduction in rates. Good video.

[veritasliberabitvos]

It is not as simple as RBA rates. All banks in Australia borrow money from overseas as part of their operations and that is what impacts them the most. 2 Aussie banks had to be bailed out in the last GFC to the tune of 4.5 Billion from the USA Fed. And this was not reported to the ASX - there was a court case around this as the governing body made the call to hide this from the market.

[jamesm]

Agreed when RBA says no cuts that means cuts are coming. Remember last time rba said low rates till 25 and then hike rates.

[JacksonLeoWtah-bi]

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[Beat.Wonderful]

Late 24 cut would be perfect for me. But probs 2025 they’ll start.

[Hibbs]

I found you because i thought you were the guy that wrote the "I will make you rich" book. here to stay though great stuff

[alvinheng]

Anyone has experience with ME bank?
Are they good for home loan?

[JoanneBurford]

Not until 2nd quarter of 2025 - for what's its worth 🤷‍♀️