Finance advice

First home buyers issued loan warning

By webmaster

Mortgage comparison website RateCity has warned first home buyers to research the best mortgage deal before jumping in with both feet.

The warning comes after the Australian Prudential Regulation Authority (APRA) showed both Westpac and CBA had increased their market share for owner occupied home loans in the 12 months to April despite offering high headline interest rates.

According to APRA data, the big four banks account for more than 80 per cent of the residential mortgage market.

“The major banks continue to offer higher headline rates than their smaller competitors yet more borrowers are taking out mortgages with them,” RateCity’s chief executive Damian Smith said.

“The benchmark basic variable rate – the average of the major four banks – is currently 6.78 percent but compared to RateCity’s top five variable home loans, they are all under the benchmark by at least 11 basis points.”

A recent Mortgage Choice study found that the majority of first home buyers surveyed don’t shop around when choosing a home loan, and yet they are the most at risk of a higher than necessary interest rate and extra monthly repayments.

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podcast

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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!

RELATED AREAS OF INTEREST:

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AREAS MENTIONED: 

Sydney
Brisbane
Adelaide

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RELATED AREAS OF INTEREST:

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AREAS MENTIONED:

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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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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AREAS MENTIONED:

Redcliffe
Port Macquarie
Loganlea
Launceston
Raceview

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A joint property portfolio before they were even living together

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