Finance advice
Rich Harvey

What should investors do about tightening rates?

By Rich Harvey

The rising price of Australian property is almost irrelevant in the current interest rate environment, but investors have just been hit with a wake-up call.

Blogger: Rich Harvey, CEO and founder, propertybuyer

With the Reserve Bank of Australia's cash rate sitting so low, the cost of borrowing is actually down to the point where buying property is incredibly affordable to all income levels.

But of course, nothing lasts forever – and for those looking at Sydney investment property, a wake-up call has just been sounded by some of the big banks. So what's happened and what should people be doing about it?

Interest rate rises for investors
In the past week or so, three of the big four banks announced increases to the interest rates on their investment loans  – the Commonwealth Bank, ANZ and the National Australia Bank. What's particularly newsworthy is that it isn't just happening to new mortgages: existing loans are going to get an interest rate hike, too, in some cases of up to 0.4 per cent. The smallest jump is going to be 0.1 per cent.

"It allows us to balance the mix of our lending between owner-occupied and investment lending, as well as the impact of changing market conditions," said Mark Whelan, CEO of ANZ Australia in a 23 July statement.

As these changes take effect in coming weeks, investors are going to be looking around for a better deal. What's going to be the best way forward?

Taking charge
Refinancing home loans is likely to be a popular option in the short term, as people try to re-fix their interest rates into something more affordable. The idea behind this is that investor activity is taking up too much of the market and raising interest rates will slow this activity – which I think is a little unfair on a market that has been driving a lot of growth in our local housing sector.

On the other hand, the silver lining of these interest rate rises is that some lenders, in particular ANZ, have dropped interest rates on owner-occupier loans by up to 0.4 per cent. This is going to be great news for upgraders and first home buyers, improving affordability at a time when it was already looking excellent.

The adjustments to investment interest rates might have completely changed what you can afford in the Sydney real estate market as well, shrinking your budget and forcing you to look elsewhere.

 

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About the Blogger

Rich Harvey

Rich Harvey

This article was written by Rich Harvey, founder and Managing Director of propertybuyer, Sydney & Australia’s most awarded Buyers Agents. Propertybuyer helps property investors and home buyers search and negotiate the right property at the right price, everytime. For further details please visit www.propertybuyer.com.au or call +61 2 9975 3311 or 1300 655 615. 

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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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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