Finance advice

How will household debt and mortgage stress affect the investor?

jarrad tnThe ABS recently released a report entitled, “Trends in Household Debt.” It told how much household debt has increased in the last 25 years and provided some interesting comparisons and ratios. Here are the numbers followed by what they could mean to the property investor.

Blogger: Jarrad Mahon, Investors Edge Real Estate

Household Debt
Total household debt, at the end of 2013, was calculated at $1.84 trillion or $79,000 for every Australian citizen, adult or child. The rate of household debt rose before the Global Financial Crisis (GFC) but is now rising much more slowly, at 2% per year. This compares to nearly 10% per year from 2001 to 2007.

Debt to Asset Ratio
Household debt is currently at 20% of household assets, a slight drop from 21% in 2011. For comparison, this number was only 11% in September, 1988.

Debt to Income Ratio
The 2013 debt to income ratio was 180%. The good news is that debt and income are growing at a near-equal pace and have been since the GFC hit.

Interest to Income Ratio
In 1959, Australians had a 3% interest to income ratio. In 2008, the number was 12%. Now, it has dropped somewhat to 7%.

Debt Sustainability Factors
Five factors are extremely important when deciding whether current debt levels are sustainable. Here is a look at all five.

1. Interest Rates
Since 75% of all household debt is for mortgages, that is the most important number. Currently, thanks to RBA interest cuts, home loans are being written at around 5% interest rates. In December of 1990, the number was closer to 17%. We don’t expect them to stay at 5% for much longer.

2. Unemployment Rate
Currently, the unemployment rate is around 6%. It is expected to rise to 6.25% by the middle of 2015, according to the RBA.

3. Real Household Income
This is basically household income adjusted for inflation. It actually rose from mid-2007 to 2012 and has gone back down a little since then. If the Productivity Commission and the Australian Treasury are correct, growth should be slower over the next ten years.

4. Real Household Wealth
This number was at a record high before the GFC took a chunk out of so many people. But at $323,000 per person at the end of 2013, it is close to reaching record levels again.

5. Property Values
At the end of December 2013, the average property value in Australia was $539,400 for an all-time high. Expect more of the same as it is still rising.

How These Statistics Affect Property Investors
We are concerned that the amount of household debt is causing mortgage stress for so many, especially those that overcommit as first home buyers. We think that most property investors are remembering the lessons the GFC taught us and are not over extending, only starting projects they can finish and keeping a savings or equity buffer.

However, whenever interest rates start to rise again we will likely see more homes on the market and a very good opportunity for property investors.

No matter what the future holds, it can be said with relative certainty that anyone who purchases an investment property now and holds it for at least two property cycles will be happy they did.


About Jarrad Mahon
jarrad

Jarrad is the director of Investors Edge Real Estate.

Jarrad thrives on helping hundreds of investors every year formulate a clear plan to get the best returns from their PerthPerth, TAS Perth, WA property. This requires a carefully thought out and innovative approach to understand your situation and help you to make the right move at the right time.

His renowned personalised "Property Success Plan" takes you step by step through how to make thousands of extra dollars and avoid the costly mistakes that Jarrad has learnt the hard way by investing himself all around Australia.

Over the last five years he has used his engineering background to build and refine a unique property management, sales & investing process that is sure to impress while getting you real results.

A sales and marketing expert, Jarrad combines the latest technology and cutting edge sales strategies to sell homes across the whole of Perth metro area.

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podcast

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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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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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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

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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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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  ["title"]=>
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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

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: 

Hobart
Sydney
Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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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) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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