Finance advice

Homebuyers cautioned about fixed loans

By Staff Reporter

The latest housing finance figures show a surge in the number of Australians taking out fixed loans, prompting one property group to issue a warning.

Kevin Young, president of The Property Club, said home lending figures for July 2013 reveal that the number of dwellings financed through fixed loans during 2013 surged by 120 per cent between July 2012 and July 2013.

Mr Young said aggressive marketing campaigns by the banks were partly responsible for the increased uptake in fixed rate loans.

“In response to marketing campaigns from the big banks to fix, the home lending figures show that the number of fixed home loans in Australia began to spike during April of this year, and have remained at around 10,000 every month since that time,” he said.

“At this time, The Property Club is not recommending that members fix rates, as we believe they will drop even further despite these aggressive advertising campaigns from the banks to fix. I am following my own advice and at this time I am not fixing any of my loans, which cover more than 180 properties that I have ownership over.”

Mr Young said investors should keep an eye on the market because it is likely the Reserve Bank (RBA) will drop the official cash rate again soon.

“The RBA is under pressure to drop interest rates to stop Australia’s unemployment rate rising even further, with predictions it will shortly pass the six per cent threshold. The latest job vacancy figures show that job vacancies in the year to August 2013 fell by a massive 20 per cent," he said.

“Fixing interest rates at the wrong time is one of the most common mistakes property investors make, with many investors, for example, fixing their loans last year at rates above six per cent - whereas today they can fix at less than five per cent.”

For advice on what to do if you fixed rates at the wrong time, watch Smart Property Investment’s Inside Word.

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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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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.

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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:

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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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