Finance advice
Kevin Lee

What are the big four banks doing to investment loans?

By Kevin Lee

With the big four banks complying with lending changes, what does this mean for property investors?

Blogger: Kevin Lee, founder, Smart Property Adviser

In the second half of last year – and under the guise of a directive by APRA – most Australian banks increased mortgage rates “to offset pressure on margins being squeezed by regulatory changes, competition and slower economic growth”. Mmmm, by all accounts they’ve had a ripping good time with mortgage lending, in spite of their ‘slower economic growth’ spin.

Australia's big four banks dutifully ‘complied’ with these lending changes – possibly for the first time ever, taking APRA’s directive as a licence to make even more profit from their hapless clients.

In fact, one bank increased their rate for investors by 47 points, and applied that increase to every existing variable rate loan on their books! Disgusted, I took it upon myself to inform our clients about these unprecedented lending changes. Last August I hosted an exposé webinar – ironically titled ‘Banks Behaving Badly’ – and it was a rude awakening for most people.

But as the old cliché goes, “it ain’t over till the fat lady sings”.

It looks like the fat lady today is a collective term for the banks. They’re at it again! Right now they’re crying poor and increasing interest rates for some borrowers and on some loans.

They say it's because their cost of funds has increased. Glenn Stevens says otherwise. The RBA head issued a stern warning to the banks this week that their “out-of-cycle interest rate hikes” can’t be blamed on higher funding costs, claiming financial markets were overreacting.

Maybe, just maybe, the recent bank sell-off on the stock market is partly to blame? With corporate bonuses looking a little shaky, maybe those pesky bank executives need to create some ‘extra profit’?

Or maybe this is actually the beginning of the end for the big four – as far as the days of wallowing in their 'super profits' are concerned? One thing is for sure: there’s definitely a massive change headed our way.

ANZ and NAB both increased business loan rates over the past two weeks, while others lifted various residential rates this week – all of them partly blaming higher funding costs. Dig deep enough and – like last time – you'd most likely find it's about increasing their already-outrageous bottom-line profit.

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About the Blogger

Kevin Lee

Kevin Lee

Kevin Lee of Smart Property Adviser is regarded by many as Australia's most trusted property investment adviser. Since 1999, Kevin's been the go-to-guy for people when they need honest finance and property investment advice and guidance.

Kevin hosts a regular Investors' Boardroom and investors from around the world fly in to Sydney to attend. More information is available at www.smartpropertyadviser.com.au

FROM THE WEB

podcast

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

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:

Why I still buy in Sydney
Property market update: Sydney, July 2018
Sydney rental market slowing, latest research finds

AREAS MENTIONED:

Revesby
South Hurstville
Sans Souci
Strathfield

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

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:

What makes a good investment suburb?
Two components of good investment research
How Greta purchased four properties in a year

AREAS MENTIONED:

Redcliffe
Port Macquarie
Loganlea
Launceston
Raceview

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A joint property portfolio before they were even living together
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As the investment market tightens are you looking to learn something that will help you realign or readjust your property goals? In this episode of The Smart Property Investment Show, first time on the podcast Lisa Porter joins host Phil Tarrant to talk about the gems and wisdom associated with her modest portfolio of ‘only’ six properties.

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Listen now as Lisa and host Phil Tarrant discuss how her property journey started in the UK, with the purchase of a rough unit in a lower-socio suburb of South London. Lisa breaks down how that first purchase provided her greatest lesson, one she still applies today - turn off the noise, don’t worry too much about the peripheries and just get on with it.

The pair also discuss how property has given Lisa so much extra value in her life, not just building an asset base and heaps of enjoyment, but it also how it changed the trajectory of her career. Women, she says, shouldn’t be fearful of being proactive and taking control of the direction of their family’s financial future.  

 

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:

Award-winning buyer’s agent reveals secrets to property investment success
What makes Australia ideal for property investment
How investors can find opportunities in the capital cities’ slowing markets
How WA, the NT, SA and Tasmania are currently performing



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Walking and talking property investment with Lisa Porter – therapy, empowerment, education and inspiration

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