Finance advice

APRA changes stamping out ‘marginal’ investors

By Reporter

Recent changes to investor lending may be having the positive impact of preventing risky investors from entering the market, a leading property commentator has claimed.

The APRA lending crackdown is preventing ‘marginal’ property investors from entering the market, according to CoreLogic RP Data senior research analyst, Cameron Kusher.

“It means those marginal people coming into the investment space that possibly shouldn't be in a position to invest in property in the first place are now not going to be able to do so and, from a financial stability point of view, that’s a good thing,” Mr Kusher told Smart Property Investment’s sister title, Mortgage Business.

According to Mr Kusher, new residential developments in Sydney, Melbourne and, to a lesser extent, Brisbane are set to be most affected by the changes.

Despite this, he remains dubious over the overall impact of the changes on investor lending growth, claiming that it has been “somewhat overstated”.

He cites the latest credit growth figures from the Reserve Bank of Australia as evidence of the limited impact the tightened lending guidelines have had.

“If you look at housing credit growth for investors, it got up to about 11.1 per cent on an annual basis,” he said. “It has now come down to 10.7 per cent.”

As Australian lenders continue to target owner-occupiers with discounted home loan rates, the impact of having to tighten investor credit becomes diluted, Mr Kusher said. “Overall, I don’t think it’s going to have a huge impact,” he added.

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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.

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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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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