Finance advice

Investors warned about mortgage risks

By Staff Reporter
House

The amount of income Sydney and Melbourne households are using to pay off their mortgage is rising, signalling a greater chance of mortgage defaults in the two capitals.

According to credit rating firm Moody’s, households with two income earners needed an average of 27 per cent of their wages to make home loan repayments as of 31 March 2015 – unchanged from the previous year.

However, the situation deteriorated in both Sydney and Melbourne.

Sydney households needed 35.1 per cent of their wages to pay their mortgages, compared to 32.8 per cent the year before. Melbourne went from 27.5 per cent to 28.2 per cent.

“Less-affordable mortgages increase the risk of delinquency and default, particularly if interest rates rise from their current low levels,” the report said.

“The larger loan sizes and repayment obligations of new mortgages in Sydney and Melbourne are especially problematic, since these mortgages are being underwritten at historically low interest rates.”

Meanwhile, affordability improved in both PerthPerth, TAS Perth, WA and Brisbane, while remaining steady in Adelaide.

Perth’s rating changed from 24.6 per cent to 21.9 per cent and Brisbane’s rating changed from 24.4 per cent to 23.4 per cent, while Adelaide stayed at 22.1 per cent.

Moody’s research also found that while Australia’s national affordability measure of 27 per cent is lower than the 10-year average of 29.6 per cent, Sydney’s current affordability measure is higher than the 10-year average of 33.6 per cent.

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With the softening market impacting property values in many parts of Australia, Sally Wood, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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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Sydney
Brisbane
Adelaide

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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.

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A joint property portfolio before they were even living together

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