Finance advice

Fixed rates climb in popularity

By Staff Reporter

Fixed rates are back in vogue, with new data revealing borrowers continue to flock to this type of product.

According to research from Mortgage Choice, fixed rates accounted for 22.37 per cent of all loans written in November – slightly higher than the 21.72 per cent recorded in October.

This is the fourth consecutive month of growth for fixed rates, company spokesperson Belinda Williamson said.

“Our data shows that more than one in every five new borrowers is not phased by the possibility of further variable rate cuts as early as this week, having locked in to a fixed rate loan with repayment certainty for the next year or more,” she said.

“With fixed rates at their lowest level since 2009, there are bargains on offer to both new and existing borrowers. Lenders continue to tweak their fixed rate loan pricing based on their desire for business, while factoring in their funding costs and the level of demand from borrowers.

“When investigating the option to fix part or all of your home loan’s interest rate, be sure to weigh up your options carefully as fixed rate loans have both pros and cons. Remember, the interest rate is not the only factor to consider; also compare any initial, recurring and break costs, the ability to make extra repayments and redraw, lender service and how long the loan will take to be approved.”

While many fixed rate loans are currently priced lower than variable rates, a majority of borrowers are choosing the latter.

“Despite a marginal dip in demand in November by 0.65 percentage points to 77.63 per cent, variable interest rate loans remain the top choice for Australian mortgage holders. Ongoing discount rate loans – where the rate is negotiated to a reduced amount over the loan term, usually in return for an annual fee – remained the loan of choice, accounting for 41 per cent of all new home loan approvals,” Ms Wlliamson said.

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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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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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