Finance advice
Michael Bowling

3 tips for getting the best interest rates

By Michael Bowling

Interest rates get a lot of attention and for good reason determine the cost of your loan and what you pay back. Even a small difference in rates can make a big difference to repayments.

Blogger: Michael Bowling, co-founder, Allied Investment Group

Sometimes, what appears to be the ‘cheapest’ rate isn’t always right for your circumstances: thorough research is needed to ensure you get the best rate for your loan.

There are many types of interest rates: variable, fixed, split, introductory, principal and interest or investment only, each with their own advantages and disadvantages and it takes a lot of work to sift through different loans and lenders to secure the best deal.

The devil is always in the detail – you need to know what you’re looking for and below are three tips to help you find the best interest rate for you.

1. Don’t be dazzled by honeymoon rates. As the name suggests, they run for 12 months to two years, but the life of your loan can last up to 30. To put that in perspective, the lender is generally not going to let you get out of the loan at the end of the introductory period without charging a penalty. After all, once they get you in the door, they don’t want to let you go.

2. Introductory rates take one of two forms: “fixed discount” and “discounted fixed” rate. The fixed discount is a rate that is variable, but fixed at a certain level or margin below the standard variable rate. During introductory period, this means the discounted rate will move with the market. The discounted fixed rate is a rate fixed for the introductory period of the loan, and won’t move with the market. Some lenders may “cap” or limit the amount of extra money you can pay off the loan during the introductory period, which in turn may limit the benefit of having the introductory period.

3. Given Australian banks and mortgage insurers have specific criteria they use to assess loan applications, if your situation falls outside their guidelines it can be expensive getting your application approved. For example, if you want to borrow 80 per cent or more of the loan price, mortgage insurance will apply and the cost can vary dramatically between lenders. By shopping around a borrower can save as much as $2000 on a loan size of $600,000.

So what should you do to get a clear picture of the best value loan? Compare interest rates, product features and fees and charges, because they can add up to thousands of dollars over the life of your home loan.

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About the Blogger

Michael Bowling

Michael Bowling

Michael Bowling is a co-founder of Allied Investment Group and specialises in SMSF property investment. Michael started with a small property development project in South Australia in 1993 and now has over 20 years experience in the property and finance industries. Allied Investment Group helps ordinary Australian's take control of their finances and will hand-hold their clients throughout the entire investment process.

FROM THE WEB

podcast

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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!

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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!

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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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Why buying new property doesn’t mean buying better property

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