Finance advice
Paul Bennion

Fixed interest rates account for 25pc of loans

By Paul Bennion

The latest home lending figures show that property investors as well as owner occupiers are now locking into fixed home loan rates in near record numbers.

Blogger: Paul Bennion, DEPPRO tax depreciation specialists

ABS figures for April 2013 show that 20.6% or around one in four home loans in Australia were fixed and this was the highest proportion of loans that were fixed in Australia for five years.

The ABS figures show that during April 2013, fixed loans were used by property buyers to purchase some 10,040 dwellings in Australia.

This compared to just 5,880 dwellings purchased using fixed home loans during April 2012. With three year fixed rates now between 4% and 5%, many investors are now deciding to lock in their interest rates.

The outlook for the Australian property investment market during the coming financial year is very positive with interest rates now expected to remain low for an extended period of time.

Since the start of July 2013, DEPPRO has already recorded a 20% jump in tax depreciation schedules which we undertake for clients.

A significant new trend is the fact that a large proportion of these tax depreciation schedules have been undertaken for new clients who have just purchased their very first investment property.

This is a major vote of confidence in the property investment market and indicates that in tandem with an increase in first home buyers, there has also been a jump in first time property investors in the Australian real estate market.

Historically, when first time property investors purchase one investment property, they subsequently purchase additional properties. Therefore, this surge in first time property investors should have a long term ripple effect throughout the real estate market for a number of years.

DEPPRO is finding that these first time property investors are now very well educated and unlike first time property investors a decade ago, they understand the substantial benefits associated with tax depreciation.

These first time property investors have typically studied numerous property investor magazines and attended seminars which have outlined the fact that tax depreciations benefits can be equivalent to 60% of the total purchase price of the property.

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About the Blogger

Paul Bennion

Paul Bennion

Paul Bennion is the managing director of DEPPRO tax depreciation specialists.
DEPPRO Pty Ltd is Australia’s leading property depreciation company, specialising solely in the preparation of tax depreciation reports for residential, commercial, industrial and leisure investment properties.

FROM THE WEB

podcast

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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
5 steps to take on low-risk property developments
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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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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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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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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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