Finance advice
Todd Hunter's mortgage tips

How to pay your loan off ASAP

By Todd Hunter

Now, more than ever, it is important to make sure you have the best interest rate on your loan.

The simple reason is that after the last rate cut, all the lenders reduced their rates by varying amounts. It’s a minefield out there, as rates are reflective of whether you have an owner-occupied loan, an investment loan or a combination of both.

The lenders have also started offering interest rates based on risk. The risk can be assessed on location of your property, the type of property you own and/or the loan-to-value ratio (LVR). The higher the risk, the higher the interest rate. But there are lenders out there who can, and will, take on the higher-risk loans at competitive rates.

Now as we are heading towards the bottom of where interest rates could head, you need to be in contact with your broker about who is offering what, in relation to fixed interest rates. Fixed rates don’t fluctuate in line with the RBA monthly decisions, they can change up or down at any given moment.

To take advantage of the fixed rate, and still have the ability to make substantial extra repayments, it is best to split that loan and make it part fixed and part variable. That way you can continue to make the extra loan repayments.

Now if you haven’t heard from your mortgage broker in the last six months, then I’m sorry, you have the wrong broker. As a consumer, you have no possible way of knowing all the lenders, their policies and their most competitive interest rates. They change every week, so how could you?

But your broker should!

So now you have changed brokers and refinanced your loans to a new competitive rate, what else can you do to get to your next investment property faster?

There are the usual ways of using equity to invest, renovate properties you own to increase their value and increase the rent you receive. But what if you have done all this and still want to keep buying? Well it’s time to knuckle down and get stuck into repaying your loans. What better time to do this than now, when interest rates are at their lowest?

What you may or may not know, is that when you refinanced your loans, the lender serviced your debt at an interest rate of between seven per cent and eight per cent. They do this so you can afford the higher repayments when interest rates do go up again. Call it a safety buffer – or sensible banking standards.

So if you can afford to make repayments at seven per cent-plus, then why not make the repayments at that level?

By doing so, you will be making substantial extra repayments. For example, the repayments on a $400,000 home loan at 3.9 per cent are $435 per week. The same loan repayments at 7.5 per cent are $645 per week.

By making this small change every week, you almost half the time it will take to repay your loan.

Where it starts to make a hug difference is that you will be able to get into your next investment property miles faster and be able to afford the extra debt in the eyes of the banks.

So, take full advantage of the lowest interest rates we have ever had and go, go, go… because they won’t be this low forever.

NEWSLETTER
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About the Blogger

Todd Hunter

Todd Hunter

Director and location researcher for the wHeregroup, Todd Hunter had accumulated a personal property portfolio consisting of 50 properties by the age of 31.

He is a regular commentator for Smart Property Investment.

FROM THE WEB

podcast

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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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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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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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