Finance advice
Jessica Darnbrough

4 signs it's time for a home loan health check

By Jessica Darnbrough

It's not just the record-low cash rate which should be prompting you to review your finances and seek out the best deal. 

Blogger: Jessica Darnbrough, head of corporate affairs, Mortgage Choice

Over the past few months, many of Australia’s lenders have launched cash-back offers, refinance rebates and fee waivers to attract potential homebuyers. This, teamed with record-low rates, has caused consumer sentiment around property to improve.

But while borrowers are no doubt encouraged by rising sentiment and record-low interest rates, the fact is, rates will inevitably rise. If and when this happens, it pays to ensure you are in the right loan for your needs.

Indeed, regardless of the market conditions, it is imperative that you are in the right product – a product that is not only well-priced, but which has the appropriate features for your needs both now and into the future.

To ensure you are in the right product for your needs, it is wise to give your home loan a health check.

Your current home loan may have been the best available to you when you first entered into it – and it still may be.

However, why not make sure you are getting the most from your home loan and that you are being offered the best possible product to suit your needs?

Often, your circumstances change over the life of your loan. You may now be eligible for a greater range of products offering lower interest rates or additional facilities, which can save you money and assist you in paying off your loan quicker.

To find out whether or not there could be a better product out there for your needs, ask yourself the following:

  • Have you received a pay rise since your last loan review?
  • Did you have a single income when you secured the loan and now have access to dual income? Or vice versa?
  • Have you paid off other loans, or do you no longer have credit cards?
  • Are you paying a higher interest rate for facilities you are not using with your current home loan?

If you answered ‘yes’ to any of these questions, then it may be a good time for a home loan health check.

A typical example of how you can benefit from undertaking a home loan health check is your eligibility for a professional package.

If you have received a pay rise, you may now qualify for a professional package where lenders offer discounted interest rates, gold cards and home insurance discounts.

This can save you thousands of dollars and shave years off your loan. Conversely, it can help you build equity in your current loan faster, allowing you to purchase additional investment properties in the not-too-distant future.

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About the Blogger

Jessica Darnbrough

Jessica Darnbrough

With eight years experience as a journalist Jessica has written for an array of trade and consumer publications and in 2012 she was awarded Editor of the Year by Publishers Australia. Her current role sees her as a key communicator of Mortgage Choice's services and specialties, with a particular focus on Mortgage broking, Mortgage Choice Financial Planning and HelpMeChoose.com.au.

Mortgage Choice is an ASX-300 listed company that offers Australians help with all of their financial needs - from sourcing home loans, commercial loans and personal loans to assisting customers with their asset finance and financial planning needs.

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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