Finance advice

100pc loans to return

By Jessica Darnbrough

The days of 100 per cent loans may soon make a dramatic reappearance, one brokerage director has claimed.

Speaking to Smart Property Investment's sister title, The Adviser, Loan Market’s Mark De Martino said he would not be surprised to see many lenders moving back into the 100 per cent loan space over the coming years.

According to Mr De Martino, with growth in the property market fairly flat, lenders are constantly looking for new ways to attract business and grow their share of the pie.

“All the lenders are fighting for market share,” he said. “We have seen it for some time and we will continue to see it happen. The reality is, they can only compete on price, policy and service for so long; eventually product innovation must play a role.

“When it does, I believe we will see the return of 100 per cent loans. A few years ago everyone was saying ‘We will never see the return of 100 per cent loans’. I disagree. As long as a broker does their due diligence and ensures the borrower can service the loan, I don’t see any reason why we shouldn’t have 100 per cent loans.”

- Would you go for a 100 per cent loan?

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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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Sydney
Brisbane
Adelaide

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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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Revesby
South Hurstville
Sans Souci
Strathfield

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

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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A joint property portfolio before they were even living together

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