Finance advice
Marie Mortimer

Banking blues

By Marie Mortimer

As your financial needs become increasingly complex, you may find your bank isn't paying you enough attention.

Blogger: Marie Mortimer, managing director, loans.com.au

If you’re aged between 25 and 34 and you bank with one of the big four, chances are your bank is giving you the blues. Now that the complexities of your finances are ramping up the cracks may be starting to appear and it’s time to explore your money management options.

Research from RFi shows people in their late teens overwhelmingly bank with one of the big four. This is probably due to school banking programs that got them started or even payroll requirements of large scale employers like fast-food restaurants and supermarket chains that account for many a part-time job.

These arrangements are perfectly satisfactory when all you need from your bank is a savings account for your pay to go into, and a debit card. Banks can take a set and forget attitude to these customer requirements because they are so straightforward.

But as you get closer to 30 than 20 your financial requirements become increasingly sophisticated – career, travel, family, and major purchases like a car and a first home. You might be showing serious foresight and establishing some investments or setting up a business.

It is during this phase of life that many people seek out new ways to manage their money. As their expectations of flexibility and functionality increase they encounter what researchers referred to as “service failures that have not been an issue previously”.

In short, the life events that happen during this period leave bank customers shopping around for financial products. We call this the Drop Zone – it’s when young people drop their bank because they realise their needs aren’t being met.

Traditionally, big banks have not done a good job of communicating with customers in this age group; they do not feel engaged in branches and are discouraged by admin-heavy processes.

This is why former bank customers are migrating their financial management to modern, agile lenders with sophisticated online functionality, relevant products, and competitive rates. They are informed consumers who are becoming increasingly aware that it’s a buyer’s market when it comes to banking products.

If your bank leaves you feeling strangely dissatisfied, take a look around. You might just be in the Drop Zone.

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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.

" ["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) "2018-09-17 06:16:11" ["slug"]=> string(69) "18556:getting-finance-approved-in-this-tightening-lending-environment" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(89) "/investor-stories-1/18556-getting-finance-approved-in-this-tightening-lending-environment" }
Getting finance approved in this tightening lending environment

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