What’s going on with fixed rate loans?

Despite fixed rate reductions, a string of positive economic data suggests we are approaching the trough in mortgage rates.

The Reserve Bank of Australia has told us that rates are effectively on hold for a while. How long? We don’t know and unfortunately, the normal spread of economic indicators are less useful than they used to be in trying to gauge when a central bank may next move rates. The days of a central bank solely targeting inflation are long gone and most seem to have a spread of targets now. The Bank of England for instance, publically announced that it has no economic targets, and while the US Federal Reserve has an unemployment and inflation mandate, these have proven to be adjustable when its looks like they might be reached. The RBA itself appears to be trying to balance conflicting targets - the exchange rate, inflation and financial stability.  



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