Finance advice
Otto Dargan

How to give yourself a rate cut

By Otto Dargan

Why wait for the RBA when you can cut your own rate?

Blogger: Otto Dargan, director, homeloanexperts.com.au 

How old is your home loan?

When you bake a cake to celebrate your home loan’s 4th birthday, as I’m sure you all do, then it is time for a full check-up to make sure that your rate is still on the money.

Refinancing is NOT plan A
You don’t always have to refinance. Sometimes you can make a call to your bank and ask them to drop your interest rate. Well to be precise you may need to threaten to refinance to make them sharpen their pencil.

In many cases banks bring out a new loan product which they offer to new clients, yet they forget to mention it to their existing customers. Often your mortgage broker can just switch you to the new cheaper loan with the same bank by filling in a quick form.

Good customers lose
How many products do you have with your bank? A cheque account? Credit card? Home loan? A few investment loans? Ok so quite a few.

In that case your bank knows that you are a sticky customer. You aren’t going to leave them even if they kick you in the face. That’s because many people can’t be bothered moving all of their accounts.

So in actual fact loyal customers often get less of a discount than customers that are more likely to leave!

Play hardball
If your bank will not reduce your interest rate, or offers you a laughable discount then leave them. Simple.

I’m a strong believer that if you have been a loyal customer and have made your repayments on time then you should be rewarded. Most companies treat their loyal customers this way but for some reason banks are different.

If they aren’t on the same page then call a mortgage broker and find a bank that appreciates your business.

What is a good rate?
It really depends on your loan amount and personal situation however interest rate discounts of 0.8% to 1.2% below the bank standard variable rate are quite common.

The difference between someone on a 0.7% discount and a 1.0% discount on a $500,000 loan is $92 a month. Not much right?

Actually it is a lot! If the person with a 1.0% discount makes the same repayments as the person with the 0.7% discount then they will save $72,940 over the term of the loan!

When to review your portfolio
You should review each loan at least every four years. Personally I like to review my customers’ loans annually.

However each time you buy a new property get your mortgage broker to do a quick check on all of your loans. Not just your interest rate, get them to check that you are using your loans effectively as well.

 

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About the Blogger

Otto Dargan

Otto Dargan

Otto Dargan is a two-time winner of St George Bank's 'Australia’s Brightest Broker' competition and the managing director of specialist mortgage broker homeloanexperts.com.au

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
Securing finance after life-changing events: ‘Cash flow is key’

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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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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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    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
APRA investor measures have ‘run beyond their usefulness’: industry body

 

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.

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Getting finance approved in this tightening lending environment

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