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Investors should opt to fix mortgage rate
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Investors should opt to fix mortgage rate

By Steven Cross
0

The time to fix is now, according to one mortgage broker.

1300HomeLoan’s managing director John Kolenda said the time was right for borrowers to lock in their home loan, as fixed rates are currently sitting at historically low levels.

According to Mr Kolenda, in the last 20 years fixed rates have rarely fallen below 6 per cent but are now available for as little as 5.74 per cent over a 3-year fixed term.

“Lenders are clearly pricing in further interest rate cuts due to global economic weakness,” Mr Kolenda said.

“As fixed rates are forward looking any further reductions in the RBA cash rate may not flow through to fixed rates.”

Mr Kolenda said that if history was a guide, the window of opportunity for locking in a low fixed-rate home loan was likely to be short lived.

“No-one can be confident of picking the exact bottom of the cycle but this is certainly not a bad time to look at fixing,” Mr Kolenda said.

“With the prevalence of splits now, which allow borrowers to fix only part of their loan, borrowers have even more options to manage their interest rate exposures.”

“We have been through many crises over the past 20 years including the 1997 Asian crisis, the tech bust, 9/11 and the GFC and only rarely have fixed rates been as low as this.”

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To hear more about these services, make sure to tune into this episode of Property Showcase!




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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.


In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.


They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.




If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: Facebook, Twitter and LinkedIn.


If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!


RELATED AREAS OF INTEREST:


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RELATED AREAS OF INTEREST:


Hobart
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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.


Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.




If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: Facebook, Twitter and LinkedIn.


If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!


RELATED AREAS OF INTEREST:

How the Australian property marketplace could change
How to double the power of your deposit
The different reasons to start rentvesting


 
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Why buying new property doesn’t mean buying better property

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