Finance advice
Anton Hamer

5 simple tips to save on your home loan

By Anton Hamer

With interest rates and the cost of living set to rise next year, it may be time to re-examine your budget and identify a few areas where you can save money.

Blogger: Anton Hamer, Plan Assist Property Team

For many people, a mortgage represents a large part of the budget, so it makes sense that this should be one of the first places to look.

Here are five ways you could potentially save money on your home loan:

1. Pay fortnightly
This old trick remains one of the best ways to save money on your home loan. Effectively, paying this way means you will make the equivalent of an extra month's repayment – as there are 26 fortnights in a year – than you would if you were paying monthly. For a $300,000 loan at 5.5% fixed interest, paying fortnightly can knock five years off your repayment time and save you more than $60,000.

2. Spend money to save money
It might be difficult to convince yourself to pay more than necessary on your home loan, but it's certainly worth it. If you can increase your repayments, even from as little as $10 per week, you can experience significant gains over the life of a loan (over $16,000 using the same scenario as above). If this isn't an option, consider setting up a mortgage offset account so that your savings will effectively reduce the interest you have to pay. Just make sure an offset account suits your budgeting style, and be wary of excessive fees.

3. Negotiate a better deal
You can use competition in the home loan market to your advantage, without the hassle and cost of switching your loan. A phone call to your lender may be all it takes to negotiate a better rate on your home loan. If your loan comes with extra features, such as offset accounts or redraw, make sure they are adding value to you. If they aren’t, you may even be able to switch to a cheaper product with the same provider without incurring any switching fees.

4. Make bulk payments
A one-off bulk payment, such as your tax return, can also save you big money on your home loan. A lump sum payment of $3000 made in the first three years of a $300,000 loan can save over $12,000 across the life of the loan. The more you can pay, the better off you will be financially in the long run.

5. Health-check your home loan
It’s a good idea to health-check your home loan periodically. As the industry changes, it's important to check whether a home loan product still meets your needs and is offering good overall value compared to what is on the market. There are many online tools that allow you to do this, or find yourself a clever mortgage broker to advise you.

 

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About the Blogger

Anton Hamer

Anton Hamer

Anton Hamer is Director at Plan Assist Property Team alongside renowned property investor, Harry Charalambous. Together they have built Plan Assist to be one of Australia’s leading resources for property services,  providing Property Investors with an end-to-end property investment service and incorporating Finance, Property Mentoring & Membership, Buyer’s Agency, Project Management and Construction services.

With over 20 years of financing property purchases and assisting over 1,000 property deals as a Licensed Mortgage Broker, Anton is a Property Investor Specialist Mortgage Broker focussed on a holistic property strategy, aimed at achieving wealth through property.

 

FROM THE WEB

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.

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Getting finance approved in this tightening lending environment

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