Finance advice

Finding mortgage alone may be detrimental

By Reporter

Investors looking for a mortgage alone may take longer to get into the market and miss opportunities, according to a recent analysis.

Quality mortgage brokers frequently look at more than 100 aspects of a home loan to determine that which suits an investor best, said Smartline’ Personal Mortgage Advisers’ executive directior, Joe Sirianni.

Mr Sirianni explained that there is an incorrect perception among those many of those applying for mortgages that ‘all banks are the same’.

“There is no doubt that there is a dramatic difference in what the banks offer to customers,” he said.

Of the 500 products currently available through Smartline’s lenders, 108 features are examined to find the best option.

“With so much to consider, if you go direct to a bank or even a couple of banks, it raises the question, ‘did you get the best loan for you, or the best loan that the bank had to offer?’”

Features in this list include the variable interest rate, three year fixed interest rate, up-front fees, ongoing fees, borrowing capacity, deposit required and major bank LMI premium.

The table below, which covers seven of these 108 features, provides some insight into the variables associated with the loans currently on offer.

“You can see that considering all the alternatives can have a massive impact on your ability to purchase a property,” he said.

“This can be on everything from the interest rate you pay, the up-front and ongoing fees, the amount you can borrow, the deposit you need or the LMI premium you could pay.”

Understanding these aspects can save a considerable amount of money and can also dictate whether or not an investor get into the property market earlier and the type of property that can be purchase.

The difference in loan products can be ‘extreme’ and mortgage brokers are increasingly favourable, now responsible for 45 per cent of new home loans where only 10 per cent of loans were through a mortgage broker in 2002.

- What do you think? Have you successfully found your own loans or do you use the services of a broker?

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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

 Make sure you never miss an episode by subscribing to us now on iTunes!

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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: FacebookTwitter and LinkedIn.

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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: FacebookTwitter 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!

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The different reasons to start rentvesting

 

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Why buying new property doesn’t mean buying better property

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