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On this episode of The nestegg Podcast, host Maja Garaca Djurdjevic and three experts discuss the latest in equities, property investing and super.

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Steve Waters, director of Right Property Group, chats about the latest in property, including CoreLogic’s latest findings, which suggest national home values have increased at the fastest pace in over 30 years, and why he isn’t quite sure this is the case.

RMIT’s senior lecturer of finance, Dr Angel Zhong, talks about soaring travel stocks, the rising popularity of NFTs and what they are, as well as the sudden meltdown of Archegos Capital Management.

And lastly, tax and super guru Timothy Munro gives his thoughts on Paul Keating’s early release of super verdict, as well as an overview of life after JobKeeper.

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

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Home values up 30% (or are they); NFTs taking the world by storm, and why Keatin...

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There is $17.5 billion in lost and unclaimed super across ...

Invest

‘If you’re a borrower, it will hurt’

By Lucy Dean

May 25 2018
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Invest

‘If you’re a borrower, it will hurt’

By Lucy Dean
May 25 2018

The cash rate is unlikely to move in any significant way but Aussie homeowners could still be stung in another fashion, an investment firm has warned.

‘If you’re a borrower, it will hurt’

By Lucy Dean

May 25 2018
Share

The cash rate is unlikely to move in any significant way but Aussie homeowners could still be stung in another fashion, an investment firm has warned.

FIIG Securities director of education and research Liz Moran told Nest Egg she doesn’t see the official cash rate moving any time soon, but mortgage-holders could still be hit with a proxy rate hike.

She explained that despite the cash rate not moving since August 2016, the bank bill swap rate (BBSW) has spiked recently. The BBSW is essentially the rate at which banks borrow and lend between each other. It recently spiked to 1.6 per cent over the cash rate from where it usually hovered around 0.25 per cent over the cash rate.

“That, in essence, will feed through to variable rate loans and new fixed rate housing loans. So you're almost getting a cash rate hike from the banks through that increase in the bank bill swap rate,” Ms Moran said.

“That's happened because we're seeing the US increase short-term rates. All the major banks here are big borrowers of US dollars, so it's costing them more so they're charging each other more to lend and borrow.”

This in turn means Aussie borrowers will suffer the impact of higher rates, even if a Reserve Bank-led hike doesn’t transpire.

“If you're a borrower, it will hurt,” she told Nest Egg at the FIIG high yield conference.

Ms Moran said term deposit rates will also “hopefully move up” as banks seek out the cheapest markets.

“If the term deposit market in Australia then becomes the cheapest market, they'll try and borrow more from that market, and they might put the rates up,” she said.

“We've seen some evidence of that already through our [term deposit brokerage] business. Some of the smaller credit unions and the smaller banks certainly are going to be hurt by that, with the bigger top four coming out with higher rates.”

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