Finance advice

1 in 3 mortgage holders fret about the future 

By Tim Neary
1 in 3 mortgage holders fret about the future 

New research reveals 36 per cent of Australian mortgage holders are concerned about their job security against a backdrop of Australia’s housing affordability issues, a budget deficit and other economic uncertainties.

The survey commissioned by ALI Group found that 41 per cent of families with dependent children are concerned about job security.

Part-time workers are most likely to feel the pressure of potentially being unable to meet mortgage repayments, with 42 per cent of them listing job security as the top concern, compared with 35 per cent of full-time workers.

CEO of ALI Group Huy Truong said the findings come as Australia experiences structural economic changes, including job losses in low-tech manufacturing, automotive and mining industries.

About 2.3 per cent of Australian workers become redundant due to corporate downsizing or closure, while other reports found that almost 40 per cent of jobs are at risk of being lost due to automation and computerisation by 2030.

This figure is higher in rural and regional areas, at 60 per cent.

“There are new jobs being created, particularly in growth industries like the personal services sector, but it takes some time for people to find new employment,” Mr Truong said.

“Given the ongoing industry shifts, I anticipate job changes and employment anxiety will continue to rise. This anxiety will undoubtedly start to impact consumer confidence.”

The average weekly earnings for a full-time adult is $1,516 and the average Australian is spending 31.7 per cent of his or her weekly family income on mortgage repayments. This indicates that the average Australian is contributing around $480.60 per week to their mortgage. Home mortgages make up almost 63 per cent of debt for households headed by a person aged 30 to 50.

Half of the 1,000 respondents surveyed have been concerned at least once about being made redundant by their employer, which is over-represented by under-30s, at 56 per cent.

Among those aged over 45 years, 67 per cent have been concerned about being made redundant by their employer. And 37 per cent of all respondents admitted it would take more than three months to find a new job that matches their skills and level.

“Our own data highlights this employment concern, with 69 per cent of our total claims in recent years for involuntary unemployment, both salaried and self-employed, followed by serious illness and death,” Mr Truong said.

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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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.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

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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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.

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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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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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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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Getting finance approved in this tightening lending environment

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