Finance advice
Warren Dworcan

5 common mortgage mistakes

By Warren Dworcan

It can be easy to become accustomed to your property debt, but too many investors become complacent and aren’t making the most of their money.

Blogger: Warren Dworcan, managing director, Rate Detective Finance

Investing in property can put you on the right path to financial independence but done wrong and it can set you back significantly. I have put together a list of mortgage mistakes we see on a regular basis which can be easily avoided:

1.Taking advice from unqualified people
Would you trust the advice of someone who watches medical drama about your health? Most likely the answer is no, you would see an expert. The same applies to your home loan. You should seek the knowledge of a broker. They have an in-depth understanding of the market and can find the mortgage that is not only right for you now but also in the future.

2. Too many loan enquiries
Shopping around should be part of the finance process but what you may not know is that every time you do so a note is made in your credit file. Too many and banks may think you are desperate and therefore a risk.

3. Staying with the one lender
The old adage of not putting all your eggs in one basket also rings true for property finance. While it may appear to make sense to keep all your loans with one lender, cross-collateralisation can have severe consequences for your strategy. You are essentially giving the lender control over your portfolio and restricting future purchases by not being able to access equity from your individual properties.

4. Focusing only on interest rate
Many investors search for finance purely by rate and not what is most suitable. A low rate may look more affordable but if you include the fees and ongoing costs it may well end up more expensive in the long run. Different products have a range of features, some of which may be advantageous and result in savings.

5. Not reviewing regularly
Once you have finance it shouldn’t be one of those things you set and forget about. A mortgage is a long-term commitment and not only are new products constantly being entered into the market but your circumstances may change. If you want to save or make your repayments more flexible it is suggested you speak to a mortgage broker every couple of years to discuss refinancing.

Read more: 

Nation's best property experts uncovered 

7 tips for investing on a small income 

What do stock market conditions mean for property investment? 

How you can outplay the market 

6 reasons to fire your property manager 

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About the Blogger

Warren Dworcan

Warren Dworcan

Warren Dworcan is the Managing Director of Rate Detective Finance, which provides information to consumers about home loans, credit cards, personal loans and personal insurance.

Successfully assisting thousands of Australians with loan enquiries in excess of more than $1 billion, Warren alongside his highly qualified and dedicated staff are equipped to deal with all aspects and complexities associated with the mortgage market.

Over the last two years Warren has been dedicated to growing the business into becoming one of the leading independent brokerages in Australia.

Recently recognised as one of the top brokers in Australia, Warren was awarded the coveted Australian Broker of the Year award in both 2012 and 2013 at the Australian Broking Awards in Sydney.

FROM THE WEB

podcast

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

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:

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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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

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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As the investment market tightens are you looking to learn something that will help you realign or readjust your property goals? In this episode of The Smart Property Investment Show, first time on the podcast Lisa Porter joins host Phil Tarrant to talk about the gems and wisdom associated with her modest portfolio of ‘only’ six properties.

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Listen now as Lisa and host Phil Tarrant discuss how her property journey started in the UK, with the purchase of a rough unit in a lower-socio suburb of South London. Lisa breaks down how that first purchase provided her greatest lesson, one she still applies today - turn off the noise, don’t worry too much about the peripheries and just get on with it.

The pair also discuss how property has given Lisa so much extra value in her life, not just building an asset base and heaps of enjoyment, but it also how it changed the trajectory of her career. Women, she says, shouldn’t be fearful of being proactive and taking control of the direction of their family’s financial future.  

 

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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Walking and talking property investment with Lisa Porter – therapy, empowerment, education and inspiration

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