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In this episode of The nestegg Podcast, host Maja checks in with our three experts to discuss this week’s biggest conversations about super, property and investment.

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Steve Waters, director of Right Property Group, talks about the current market and its growth prospects, hinting at a “revenge spend” period post-lockdown. Could property prices really inflate by a further 20 per cent?

Meanwhile, RMIT’s senior lecturer of finance, Dr Angel Zhong, talks about the earning season and dividends, delving into how companies decide distribution policy. Find out what is happening in the recent dividend announcements.

Last but not least, tax and super guru Timothy Munro talks us through the results of APRA’s inaugural super test and how engaged members should really be with their super. Timothy also touches on the super splitting law and what it means for relationship breakdowns.

Have a question for our experts? Get in touch at [email protected] and you might get featured in the next episode.

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Aussie property gains beginning to ease up

By Sasha Karen

August 03 2017
Share

Invest

Aussie property gains beginning to ease up

By Sasha Karen
August 03 2017

The housing market is beginning to feel the effects of higher mortgage rates and more stringent credit policy, with capital gains beginning to slow up despite a continuation of the growth in capital city dwelling prices, a report has found.

CoreLogic, Hedonic Home Value, home prices, house prices, capital gains, Melbourne, Sydney, Adelaide, Perth, Brisbane, Canberra, Darwin, Hobart, Tim Lawless,

Aussie property gains beginning to ease up

By Sasha Karen

August 03 2017
Share

The Hedonic Home Value Index for July 2017, an index put together by property research firm CoreLogic, showed a 1.5 per cent rise in dwelling values over the month, with Melbourne strongly contributing towards the figure.

Across the country for the month, Melbourne saw a 3.1 per cent rise in dwelling values, followed by Canberra at 2.4 per cent, then Sydney at 1.4 per cent, Adelaide at 1.1 per cent and Hobart at 0.9 per cent.

Meanwhile, Perth, Darwin and Brisbane recorded losses in dwelling values, with 1.3 per cent, 1.2 per cent and 0.6 per cent respectively.

Tim Lawless, CoreLogic’s head of research, said the results show the market’s diversity of conditions.

“The recent bounce in capital gains may be partially due to a recovery from the seasonal slump in values recorded in April and May,” Mr Lawless said.

However, other factors, such as stamp duty concessions for first home buyers in NSW and Victoria, may also be having a positive impact on market demand.”

“It’s still too early to measure the effect of first home buyer incentives, which went live on 1 July. However, historically, the first time buyer segment has been very responsive to stimulus measures.”

Even with high capital gains for dwelling values, the rate of gains has been slowing over the quarter, with gains of 3.6 recorded in February of this year, compared to 2.2 per cent at the end of July.

Sydney and Melbourne show how much capital gains are slowing, with Sydney going from 5 per cent earlier this year to 2.2 per cent at the end of the quarter, and Melbourne going from 5.5 per cent to 4.2 per cent.

“Melbourne appears to be benefiting from consistently high population growth which is creating strong demand for housing, as well as consistently high jobs growth and more affordable housing options relative to Sydney,” Mr Lawless said.

Mr Lawless predicted the pace of capital gains to continue to slow down throughout the rest of the year, especially in Sydney, and to a lesser extent in Melbourne, coming down from high levels of value growth over the last five years.

Weekly rental rates over the month have declined and are at record lows for the combined capital cities, mostly due to falls in Melbourne and Sydney, which recorded rental yields in Melbourne of 2.6 per cent for houses and 4 per cent for units, and in Sydney of 2.7 per cent for houses and 3.7 per cent for units.

Hobart came out on top with the highest rental yield results, with 5.1 per cent for houses and 5.6 per cent for units.

Following this was Brisbane at 4.1 per cent for houses and 5.3 per cent for units, Darwin at 5.1 per cent for houses and 4.1 per cent for units, Canberra at 4 per cent for houses and 4.9 per cent for units, Adelaide at 3.9 per cent for houses and 4.6 per cent for units, and Perth at 3 per cent for houses and 4 per cent for units.

Mr Lawless could not point out a singular factor contributing the market to “lose steam”, but there are a number of issues.

“I don’t think there is any one factor causing the market to lose steam, rather it is the culmination of several factors working together,” he said.

“Higher mortgage rates and tighter credit policies have dented investor appetite. This is clear from the RBA’s monthly credit aggregates which show investment-related housing credit growth has consistently slowed from late last year.”

Mr Lawless also said higher mortgage rates are affecting both interest-only loans and fixed rate loans, which is predicted to turn away potential buyers.

CoreLogic data additionally shows advertised stock levels are on the rise, especially in Sydney, being 14 per cent higher than this time last year.

“More choice for buyers implies less urgency which may be easing upward pressure on prices,” Mr Lawless said.

“Affordability challenges are also likely to be impacting buyer demand across Sydney, where the median house price remains over $1 million.”

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