Finance advice

APRA crackdown 'ineffectual'

By Adam Zuchetti and Nick Bendel
MAN AND MAP

The head of one lender has described APRA’s continued efforts to reduce investor lending as “ineffectual”, despite the regulator this week declaring its crackdown a success.

APRA chairman Wayne Byres told the Federal Inquiry into Home Ownership that the regulator is achieving its goal of cooling the investor market, having convinced lenders to limit their investor lending growth to 10 per cent per annum.

“Actual growth remains marginally above this level and may well be so for the next few months, but we have seen clear moderation in the previous strong upward trajectory, and the large lenders have all indicated their intention to move within this benchmark,” he said.

“This has generated a range of responses over the past month or so, including most recently, differential pricing for owner occupiers and investors.”

However, Andrew Way, director of Semper Capital, told Smart Property Investment's sister title, Mortgage Business, that the regulator’s moves are merely satiating short-term political will rather than developing sustainable long-term lending practices.

“When a regulator starts talking about macro-economic objectives, that smacks of pressure from Treasury and also from the RBA to do something – that it is going to provide some indication to the public that they're [doing something about fears of a] property bubble,” Mr Way said.

“So I think it's politically motivated in large part. I don't think the banks have a massive over-exposure … because the ASIC coverage is pretty well there and investors are long-term thinkers anyway. If there's any change in the property market, they'll just sit and wait for the mean distortion to come up to parity. In other words, they will sit on their property until the market increases back up to where they bought it.”

Mr Way said that while APRA’s forced crackdown on investor lending will reduce bank exposure to investment property, it will do little to dampen underlying appetite for property by would-be investors.

“I really think the elephant in the room is negative gearing. So long as there's negative gearing there's going to be investors, and investors don't care if they get a loan through a [non-bank or other lender] to buy an investment property, which would avoid this bank restriction anyway,” he said.

While non-bank lenders may be eyeing up opportunities to steal investor customers away from the banks, Mr Way advised that this is not likely to be a long-term trend.

“I'm not convinced that restricting the banks to 10 per cent growth in the investor market is going to have that much of an impact,” he said.

“Any investor that can't get a bank, yes, will go to a non-bank lender and then will transition that non-bank [loan] into a normal bank loan over time. I just think it's rather ineffectual.”

More stories: 

Investors head south 

8 steps to successful property investment 

Market reacts to lending changes 

Spreading the risk 

Housing supply in decline 

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Karen Davies is a regular listener of the Smart Property Investment Show and is almost ready to leap into the world of property investment in Australia. Taking advantage of her position as a first home buyer and utilising her super for her first investment deposit, Karen shares her plans with host Phil Tarrant. 

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She shares the life altering changes that she will need to make to purchase a property using the strategy which she wishes to employ and discusses how her career changes which have seen her transition from music management to engineering in just seven years have prepared her for such movements.
 
Karen unpacks the strides that she has made so far toward her first property investment, the process of using funds from her super as a deposit and her plans for building a portfolio going forward.

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:

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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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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.

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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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      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.

      " ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-19 06:00:15" ["slug"]=> string(80) "18568:creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect" ["catslug"]=> string(20) "82:property-showcase" ["link"]=> string(108) "/podcasts/property-showcase/18568-creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect" }
Creating equity in a falling market and a long-term view of what to expect

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