Scott O'Neill
speaker
1,140 appearances
15 recordings
2 series
first heard Jan 2022
last heard 12 May
Scott O'Neill’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in May 2026 with 1.
Appearances
And some are forced, some are doing it just for the opportunity.
My client base is obviously a focal point of that.
There's probably many, many more that are not thinking like this, but the guys that I talk to, the people in my circles and around the business I work with, this is the priority to better cash flow.
Sometimes it takes a reminder like an interest rate rise to remember that cash flow is really important.
You need cash flow to retire.
If you don't have that, you can have all the equity in the world, but it's not going to be that helpful or efficient for you to use if you can't access it.
And the serviceability calculators are going to get stretched at the moment as well because you imagine now there's a, you know, they normally add two or 3% for a means test before lending.
Now they're working off quite higher interest rates.
So if your lending was quite marginal last year, it's going to be worse this year.
And again, that's another reason to potentially not refinance your loan, but sell the property.
If you're making a capital gains on the way out, people are happy to do so if there's a better option.
Going back into the residential market, there are no real easy wins anywhere in Australia.
There's no great state of super high yields that you can just default to because if there was, that market would be getting smashed with demand at the moment.
It's a yield-seeking environment.
It feels similar to in 2018 when APRA changed the lending rules.
People were sort of forced to move out of their residential loans and we saw a decline in the Australian property markets at that time and we actually saw a bounce in demand for commercial.
And this feels quite similar.
2018 APRA feels quite similar for us as commercial investing as the 2022 rate rises in terms of types of clients and just the change in mindset towards commercial from residential.
Yeah, exactly.
Like I've spent the last two years literally talking to investors and on podcasts about all the impact COVID's had on the commercial market.
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