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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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First home buying likely to subside

By Cameron Micallef

November 01 2019
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Invest

First home buying likely to subside

By Cameron Micallef
November 01 2019

First home buyers now comprise 29.8 per cent of the national market – almost 5 percentage points above the decade average – but is likely to decline again.

First home buying likely to subside

By Cameron Micallef

November 01 2019
Share

First home buyers now comprise 29.8 per cent of the national market – almost 5 percentage points above the decade average – but is likely to decline again.

This trend of first home buyers taking advantage of favourable market conditions has extended across every state as first time home owners cash in on the property downturn and lower mortgage rates.

However, CoreLogic has noted that first-time home buyers have not had to compete as fiercely with investors more recently, with investor activity generally trending lower since a peak in 2015.

CoreLogic’s head of research Tim Lawless believes a less active first home buying segment will again lead to investors moving into the market.

“Looking forward, it’s likely first home buyers will reduce as a proportion of overall market activity,” he indicated.

“Housing prices are once again rising across most regions of the country while growth in household incomes remain sluggish, which will create renewed housing affordability pressures in markets where home values are rising faster than incomes.”

Mr Lawless also does not expect the First Home Loan Deposit Scheme, which comes into effect from January 2020, to have an impact on the market.

While he admits it’s likely “to be oversubscribed”, he doesn’t expect program to make a substantial difference to overall first home buyer participation rates considering the scheme is capped at 10,000 buyers, which equates to less than 10 per cent of first home buyers numbers over the past year.

With first-time home buyers leaving the market, the property expert again pointed to improved investor activity as the prospects of capital gains become widespread.

“Capital city gross rental yields are tracking at 3.7 per cent compared with three-year fixed rate mortgages for investment purposes tracking around 3.8 per cent. In the past, rising home values and greater participation from investors has seen first home buyer activity reduce,” Mr Lawless concluded.

nestegg has previously reported on first home buyers taking the leap into the property market.

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About the author

Cameron Micallef

Cameron is a journalist for Momentum Media's nestegg and Smart Property Investment. He enjoys giving Aussies practical financial tips and tricks to help grow their wealth and achieve financial independence. As a self-confessed finance nerd, Cameron enjoys chatting with industry experts and commentators to leverage their insights to grow your portfolio.

About the author

Cameron Micallef

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