Finance advice

Investors advised to reduce their debt

By Staff Reporter

Australian mortgage holders have been told now is the best time to pay down their home loans and make additional repayments before interest rates inevitably rise again.

Smartline Personal Mortgage Advisers said Australians had the best opportunity in 20 years to get ahead of their home loan as a result of ongoing low interest rates.

The brokerage said paying an extra $100 a week above the required repayment equates to interest savings in excess of $30,000 over five years and more than $115,000 over the life of the loan.

“With the recent RBA decision to hold the cash rate at 2.5 per cent again, current interest rate levels represent enormous savings to borrowers,” executive director Joe Sirianni said.

“Consequently, there has not been a better time to make additional repayments on your mortgage for 20 years. It very much highlights the concept of spending money to make money.”

Smartline said a $300,000 mortgage at five per cent would cost a borrower around $72,114 over the first five years. The same loan amount would cost around $102,149 in interest at seven per cent, the average variable home loan interest rate in Australia over the past 15 years.

At five per cent, a $300,000 30-year mortgage required a weekly repayment of $372, according to Smartline. The brokerage said if borrowers add $100 a week to the repayment ($472) they would pay off the loan 11 years faster and save $115,000 in interest.

“There’s no doubt that now is the time to pay down debt more aggressively,” Mr Sirianni said. “When interest rates are low they absorb less of your repayments. This reduced interest expense frees up more of your repayment to reduce your principal debt.

“Now is the time for those with a home loan to be making hay while the sun shines.”

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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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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!

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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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The different reasons to start rentvesting

 

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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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Why buying new property doesn’t mean buying better property

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