Finance advice

Interest rate hikes ‘unfair’ to investors

By Reporter
JENGA HOUSE

Increasing interest rates on investment loans is 'unfair' to investors and any changes should’ve been targeted to the heated markets only, according to one industry body.

The Property Investment Professionals of Australia (PIPA) has questioned lenders' decision to increase interest rates for both new and established property investors, suggesting a different approach should’ve been taken to ensure a sustainable property market.

PIPA chair Ben Kingsley said APRA’s pressure tactics to force individual lenders to lock out investors, or increase interest rates, have raised both concerns and question marks for the industry.

“Increasing borrowing costs for investors who bought into the market some time ago seems unfair and detracts from what should be the common goal of creating a balanced property market,” Mr Kingsley said.

Mr Kingsley also raised the concern that increasing interest rates for existing investors could have potentially harmful flow-on effects to the broader property market.

PIPA suggested that more targeted measures to slow new investor lending in certain areas, such as decreasing and restricting borrowing power for new investors in locations where the market is particularly heated, would’ve been a better approach.

“Above all, the industry needs to be united in slowing investor activity in some markets. We believe going forward APRA should take a more transparent approach, rather than continue its current closed door tactics,” Mr Kingsley said.

“PIPA is urging the government and regulators to join forces and open this debate to the broader industry. Let us all contribute to this discussion and invest in measures that will create a more balanced property market for the long term, and strengthen this invaluable component of our economy.”

More articles: 

Investor demand to take a dive 

How to buy a positive cash flow investment

Future hotspots to keep an eye on

Big 4 and more increase interest rates

Should you invest in property ‘sight unseen’? 

RBA cash rate announcement

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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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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.

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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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The different reasons to start rentvesting

 

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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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