Finance advice

Interest in rate cuts declines

By Reporter

The importance of interest rates to borrowers has declined dramatically since last year, raising questions about the potential effect of yesterday’s 25 basis point cut, a new survey has found.

Almost one in three first time borrowers are “unaware” of their home loan’s interest rate, according to Mortgage Choice’s 2012 First Homeowner Survey. This also saw concern over interest rates drop from 47 per cent in 2011 to 13 per cent this year.

With a number of experts indicating yesterday that this may be a push for tenants to get off the rental treadmill and into the housing market, stimulating activity, what may occur is now uncertain.

“These statistics serve as a timely reminder that borrowers should take stock of their financial situation, especially for what is often their biggest financial commitment, their home loan,” said company spokesperson, Belinda Williamson.

“It is encouraging to note that as a result of other cash rate cuts that have occurred this year, 72 per cent of recent first time borrowers have kept their home loan repayments at the pre- rate cut level or increased them further as a result. This is one way to successfully live loan-free, faster,” said Ms Williamson.
 
“We hope to see more borrowers reviewing their situation and considering the possibility of increasing the frequency and amount of their repayments. After all, repaying your home loan sooner opens the doors to more investment opportunities.”

Laing+Simmons's general manager, Leanne Pilkington, also said that further action beyond a rate cut will be needed to see changes in the housing industry.

"Recent cuts to the official cash rate have not had the desired impact and while activity has picked up with the commencement of the spring selling period, there is substantial improvement still to be realised for the sector to be deemed healthy again," Ms Pilkington said.

She pointed to a reconsideration of stamp duty as a "place to start" for the government.

"Another area requiring a commitment from Government is an improvement to the planning and development approval process," she said.

However, Mortgage Choice found that the main point of concern for recent home owners was utility bills and job security.

Over 900 recent first home owners were surveyed from across Australia for this survey.

- How do you think the recent rate cut will affect the housing market?

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

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!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
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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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 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.

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 technology is changing the lending environment
Lessons from a falling market
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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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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.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-17 06:16:11" ["slug"]=> string(69) "18556:getting-finance-approved-in-this-tightening-lending-environment" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(89) "/investor-stories-1/18556-getting-finance-approved-in-this-tightening-lending-environment" }
Getting finance approved in this tightening lending environment

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