Finance advice

Investors missing out on lower rates

By Reporter
Investor mortgage rates

Only a small proportion of home buyers are getting the best deal on their loans after failing to ask for a better deal, new research has revealed.

Would-be home buyers could miss out on getting a better deal on their mortgage in the busy Christmas selling period, Getcreditscore.com.au has warned.

Research from the group indicates just 16 per cent of Australians ask their financial institution for a lower rate when applying for a property loan – with CEO Luke Keller noting that as auction numbers steepen in the weeks approaching Christmas, buyers should be looking at where they stand.

“The seasonal increase in auctions as we approach Christmas means it’s an opportune time for those looking to buy to be negotiating on their rate with their lender,” he said. “Negotiating can be a delicate process, but one of the most important tips is to know where you stand before you begin. That’s why we are urging Australians to look at their credit score before applying.”

It’s important for buyers to “shop around” for the best home loan, he said, but cautioned against applying for multiple loans.

“Applying for multiple loans may be detrimental to your credit score and may limit your ability to borrow,” he said.

In addition to simply being confident enough to ask for a better deal, Mr Keller offered four tips to ensure buyers get the best deal from a rate negotiation.

  • Ensure you keep your finances in order and pay bills on time – having a really strong track record is one of the best ways to show a lender that you’ll be a reliable customer
  • Check your credit score – knowing your credit score will give you an idea of how a lender views you. If you have an average score, you may need to work on improving it before asking for a better deal, but if you have a good score, you should feel empowered and confident to ask
  • Be loyal – loyalty is a factor lenders consider when applying interest rates. If you’ve been a reliable customer for a long period of time, it’s more likely you’ll get a better rate
  • Do your research – ensure you know what lenders look for in a reliable customer
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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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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/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!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
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Hobart
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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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