Finance advice
Paul Wilson

Could an overdue phone bill kill your loan application?

By Paul Wilson

Australia’s new credit reporting regime is in full swing, but will it limit your ability to build your property portfolio?

Blogger: Paul Wilson, Educating Property Investors, We Find Houses and We Find Finance

By now, you probably have an appreciation of the fact that credit reporting changes were introduced in Australia several months ago. But do you know about the implications they can have on your ability to get a home loan, a personal loan, heck – even a new mobile phone deal?

In a nutshell, the comprehensive new credit reporting system that came into effect on 12 March 2014 (as a result of the changes in the Privacy Act) means that organisations now have access to a better overview of an applicant’s financial situation and payment habits.

This is because credit providers will be able to share a broader range of information than they were able to share before about your financial history to credit reporting agencies such as Veda and Dun & Bradstreet.

The biggest change – and the one that has the most potential to impact your ability to borrow in the future – is the way that your credit profile is curated. Since March 12, your repayment habits have been reported when you’re just five days late in paying a bill, and this information stays on your history for two years.

I’ve been investing in property for a number of years, so I’ve got a pretty good handle on my finances. Every now and then, I confess, the odd bill gets paid late, but for the most part I pay all of my bills on time.

However, I routinely chat with investing clients who are not quite as organised when it comes to managing their budget. They pay their bills, but they don’t always pay them on time – and until now, this hasn’t been a huge problem.

That’s no longer the case. Now, paying a phone bill a week late here, and an electricity account 10 days late there can drag your credit rating down and actually make it much more difficult for you to get loan approval.

If this sounds like you, then I’d strongly recommend you start following a budget, or some sort of system for paying your bills on time. Otherwise, you could face serious challenges when it comes time to try and borrow money from a bank or lender, whether you want to buy a car, a house or an investment property. Even getting credit approved for a phone contract or energy supply could prove difficult.

In saying that, there’s a chance these changes will be positive for you, as lenders will now be able to easily distinguish between high-risk and low-risk borrowers. If you pay your bills on time and fall into the low-risk category, you may potentially have access to more competitive financial products – while those who are flagged as higher risk may be lumped with more conditions and higher fees.

So just how can you keep your credit score in check under the new reporting system, and ensure your application falls in the low-risk pile?

Obviously, paying your bills and loan repayments on time is going to help keep your credit file looking good! If you think you’re going to be late in making a payment, contact the payee and ask them for a ‘due date extension’ in an effort to avoid the late payment showing up in your profile.

You should also check your credit report via Veda well before you plan to apply for a credit card or loan, as you’ll be able to see (and take steps to rectify) any potential red flags that could impact your ability to borrow. This will give you the best chance of maintaining a clear and clean credit history that allows you to borrow now and in the future.

This post originally appeared on www.wefindhouses.com.au

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About the Blogger

Paul Wilson

Paul Wilson

Paul Wilson is an Independent Property Investing Expert who's been educating and coaching investors since 2001. Author of 7 Deadly Mistakes Property Investors Make and How to Avoid Them, he also manages www.educatingpropertyinvestors.com.au, www.wefindhouses.com.au, and www.wefindfinance.com.au

Through his books and websites, Paul provides valuable, independent guidance and support by teaching strategies on how you can invest successfully, while protecting yourself from the common mistakes that trap many investors from reaching their full potential.

Paul doesn’t promote cookie cutter strategies, instead he demonstrates how you can create wealth as a property investor regardless of your budget, location, strategy and risk profile. Paul makes his home on the Gold Coast and spends his leisure time enjoying adventures, surf and sun with his wife and five children. Protect and grow your portfolio with knowledge. Contact Paul today for a complimentary consultation: 1800 690 890 and ask for Paul, or email [email protected]

FROM THE WEB

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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!

RELATED AREAS OF INTEREST:

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Why buying new property doesn’t mean buying better property
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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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