Finance advice

95pc loans no easy money

By webmaster

First home buyers received the news last week that several lenders are now willing to lend up to 95 per cent of a property’s purchase price – but getting such loans approved is not going to be easy.


Several lenders, including Adelaide Bank and Homeloans Ltd, introduced 95 per cent LVRs (loan-to-valuation ratios) early last week. One lender even launched a 99 per cent LVR product.

High LVR loans make sense for first home buyers – particularly those that have the capacity to service a mortgage but lack the ability to save the 20 per cent deposit typically required by lenders.

But while the return of higher LVRs is indeed good news for cash strapped borrowers, first time buyers have to be aware that getting approved for these loans will be no easy feat.

The more conservative approach to lending that banks and non-banks have adopted following the global financial crisis looks set to stay. This means that borrowers will need to present a solid case to get lenders to cover what is essentially the bulk of the property price.

To qualify for a 95 per cent home loan borrowers will need to demonstrate a strong savings history. Lenders will also be looking at factors such as employment stability and of course credit history. While these same assessments apply to all mortgages, borrowers seeking a 95 per cent lend will be under increased scrutiny.

Lisa Montgomery, CEO of Resi Mortgage, says first time buyers should think of applying for a home loan like applying for a job.

In her column in the September issue of First Property Buyer, hitting shelves later this week, she offers her strategies for how you can best present yourself to a lender to better help your chance of securing a mortgage.

She actually draws parallels between how you would prepare for a job interview and how you should package up your application for a mortgage.

“When you turn up for your job interview you’re prepared, put your best foot forward, look smart and position yourself as a serious contender. You do all you can to give yourself the best chance at long term success.

“The same approach needs to be applied to securing your home loan,” she says.

Keep your eye out for September issue for more insights from Lisa. There are also some good threads on our first home buyer forum which you can participate in. Click here.

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Welcome to the second series of Investing Insights with Right Property Group. Join Right Property Group directors Steve Waters and Victor Kumar as they explore and challenge the strategies, tactics and techniques to create wealth through property investing.

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Every month, Steve and Victor join co-host Phillip Tarrant from Smart Property Investment to address the burning issues impacting investors, covering key topics such as manufacturing equity, property management, purchasing units versus houses, researching the market, finding under market value properties, the habits and attitudes of successful investors and portfolio building.

In this episode of Investing Insights with Right Property Group, Steve and Victor discuss the numerous property investment strategies taking an in-depth look of two of the most common ones.

They will share the strategies which they have implemented and seen the most success from, look at why they work, and discuss why some strategies are dangerous and should in their opinion be avoided.

Steve and Victor also discuss blue chip properties and their mindset surrounding these as investments, how infrastructure impacts property prices and how to make that work to your advantage.  They will also unpack whether now is still a good time to invest in the property market.

Tune in now for the full episode.

CONNECT WITH RIGHT PROPERTY GROUP

If you have any questions or would like more details on any of the information discussed on the podcast contact Right Property Group on [email protected], visit www.rightpropertygroup.com.au or call 1300 302 166.

We'll be covering all your questions in a coming episode of Investing Insights with Right Property Group, so ensure you get in touch.

If you''re new to this podcast, check out series one on www.smartpropertyinvestment.com.au/podcasts/right-property-group.

FOLLOW RIGHT PROPERTY GROUP

Keep connected with the team and all the latest news and activities. You can follow Right Property Group on Twitter or Facebook.

 Make sure you never miss an episode by subscribing to us now on iTunes!

Did you like this episode? Show your support by rating us on iTunes and by liking and following Right Property Group and Smart Property Investment on social media: Facebook, Twitter and LinkedIn. If you have any questions about what you heard today or any topics of interest you have in mind, feel free to email [email protected] or [email protected] for more.

 

Previous episodes of Investing Insights:

Breaking down the investment process
Why renovation may not help your valuation
The positives and negatives of diversification
Rent correction, fixed interest rates and buyer’s agents
One of the key mistakes people make
The secrets to good cash flow management
The science behind researching a new market
Keeping a finder on the pulse of your portfolio
How do we pay off the portfolio debt: what's the endgame?
Mastering the fine art of manufacturing equity
Do you have a plan? Advisers’ tips on future-proofing your investment portfolio

The cost of money – can you service your debt?

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INVESTING INSIGHTS WITH RIGHT PROPERTY GROUP: The investment strategies that actually work
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Purchasing their first property 15 years ago with the intention of creating a property portfolio which would see them comfortably supported during their retirement, Max and Jeanette Schudeboom now have a portfolio of 13 properties.

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Max and Jeanette joins  host Phil Tarrant to discuss their property journey, compare the Australian market to Max’s home town of Holland, and share their plans to maintain the size of their portfolio.

The pair also unpack how they manage and finance their portfolio, discuss the process they go through when choosing where to invest, and share the tips learned from 15 years as property investors.

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:

Two components of good investment research
How this investor diversified her property portfolio
Should rentvestors eventually buy a principal place of residence?

AREAS MENTIONED:

Castle Hill
Point Cook
Elizabeth East
Huntfield Heights
Mt Warren Park
Albury
Cambridge Park
Penrith
Braemar
Morayfield
Melbourne
Mill Park
Edens Landing

 

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What 15 years in property investment teaches you
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  ["title"]=>
  string(51) "Boost for investors as app sets up off-site bidding"
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  string(55) "boost-for-investors-as-new-app-sets-up-off-site-bidding"
  ["introtext"]=>
  string(144) "

Property investors are now able to identify and bid on auctions remotely using a new live-streaming functionality launched by Gavl.

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Called “Request an Auction”, the new functionality enables users to watch and bid on any Sydney or Melbourne auction remotely.

Through Gavl, prospective buyers are now able to register to bid on their preferred auction. The platform will obtain permission from the listing agent and confirm within 48 hours.

Vendors can also request to have their auctions broadcast to a larger buyer audience.

Co-founder Joel Smith said that auctions streamed on Gavl attract 47 per cent more viewers than traditional ones.

He said that Request an Auction will be valuable for remote buyers.

“Buyers are able to have Gavl attend any auction they nominate, so they will never have to miss out on an opportunity due to logistical complications in physically attending the auction.

“Vendors, too, have the opportunity to directly book an auction with us, so they can open up their event to buyers all around the world. With more potential buyers, they’re giving their property the chance to receive more bids and maximise their sales result.”

Mr Smith said that prior to the Request an Auction app, buyers were limited to what they could achieve through the Gavl technology.

Gavl is a live-streaming and bidding platform for real estate auctions.

Mr Smith said that it has streamed more than 6,000 auctions, which have achieved 3.5 million views from 50 countries.

Gavl’s Request an Auction function is currently being offered in Melbourne and Sydney only.

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Boost for investors as app sets up off-site bidding

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