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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Will Magee has had ambitions to enter into the Australian property market for quite some time, but it has been more than just finances holding him back.  Having been granted permanent residency just two weeks ago, Will is wasting no time and is now in the process of signing papers and finding his first investment property.

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In this episode of the Smart Property Investment Show, Will joins host Phil Tarrant to share why he is purchasing his first property in partnership with his brother, discuss the complications that can arise from such a strategy, and unpack the ongoing plan for building a joint property portfolio with his brother.

Will will also share how they approached saving for their first property, why he is taking out the mortgage in his name exclusively, and share their savings plan for the year ahead.

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:

From property in Australia to a ski lodge in Japan
Mortgage Trusts, an alternative first step for property investors
Should a real estate title be in one person’s name only?

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A property investment plan years in the making
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Median house prices in regional Victoria outperformed that of Melbourne in the June quarter, the latest REIV figures reveal. 

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Median house prices in the regions rose 4.0 per cent to $419,500 but in Melbourne they dipped by 0.6 of a percentage point to $840,000.

The result in Melbourne was due to a 0.8 of a percentage point fall in prices achieved at auction; this was despite a lift of 2.3 per cent in private sales.

Inner Melbourne suffered due to auction prices, where median prices fell by 4.9 per cent to $1,459,000 but it was middle Melbourne that was hardest hit, with a 5.4 per cent drop to $974,500.

Outer Melbourne had a good quarter with the median rising by 0.5 of a percentage point to $681,000.

Apartment prices in regional Victoria grew by 3.7 per cent to $304,500 while the metro media was up by 0.5 of a percentage point to $604,000.

REIV President Richard Simpson said that despite fewer sales, many sectors of the market were performing well.

“2017 was a bumper year and while the trendline has flattened, despite the fall in median house prices in the June quarter, median prices are still up this calendar year for both houses and units, in Melbourne and in the regions,” Mr Simpson said. 

In particular there was been strong growth in regional centres which is probably due to the first-home buyers’ concessions said Mr Simpsons.

“The first-home buyers’ concession has been a boon for regional areas. A new entrant to the property market buying a house at the regional median will pay no stamp duty, while a first home buyer of an apartment in Melbourne at the median price would pay stamp duty of nearly $25,000,” he said.

Mr Simpson said that more prospective buyers are looking towards regional Victoria which is also having an effect in Melbourne.

“Melbourne’s outer perimeter continues to grow. Small increases in the June quarter mean that the median prices for both houses and units have risen over 10.5 per cent from a year ago.

Mr Simpson said moving forward that vendors need more realistic expectations as the highs of 2017 are now over.

“Negative chatter about the future of the sector coupled with stronger lending controls by financial institutions has created some uncertainty and vendors need to be realistic with their price expectations,” Mr Simpson said.

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Regional Victoria showing up Melbourne in price performance, new data finds
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  ["introtext"]=>
  string(381) "

If Mark Hodge’s face looks familiar to you it could be because of his time working as a professional entertainer which saw him working with the Australian ballet, appearing on multiple seasons of Dancing with the Stars and touring in musical theatre for 17 years. What you may not know is that Mark is also heavily involved in the short-term property rental marketspace.

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Mark joins host Phil Tarrant to discuss his transition from entertainer to investor, a journey pushed forward by dance related injuries and even a hit and run which saw him needing to find alternate methods to bring in an income. Mark shares how bad long-term tenants and a gang member guided him to the short-term rental market, and how this pushed him into helping others to realise the same benefits.

Mark will also address the common concerns, discuss what his company Maisonnets specialise in and unpack how they are making the process of filling short term rentals easier for investors.

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:

The hard-to-swallow truth: The prickly points of the Airbnb reforms
Airbnb reforms unpacked for property investors
Airbnb leasing: What are a landlord’s rights and responsibilities? 


AREAS MENTIONED:

Melbourne
Sydney
Rushcutters Bay
Maroubra
Potts Point

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From pirouettes to property investment

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