Finance advice
Why an interest rate hike could benefit investors

Why an interest rate hike could benefit investors

By Andrew Cocks

Brace yourselves property investors, interest rates are on the way up irrespective of any moves by the Reserve Bank or APRA.

NAB’s and Westpac’s lift in rates to investors last week, preceded by the Commonwealth Bank in January, may just be the beginning of nastier surprises to come.

For investors with substantial equity in their investment property, the tightening is not likely to cause great alarm but there are many who’ve built portfolios with small deposits in the expectation that rents will service repayments.

A hike in interest rates has the potential to throw a carefully laid balance sheet into disarray but it’s worth remembering that we live in a competitive banking environment.

Where one bank exits a market, there’s usually another willing and able to step into the void.

ING was quick to let it be known that it has an appetite for more investor loans and, having concentrated on building an owner-occupier mortgage book over the past few years, has plenty of leeway to increase its exposure to investor loans.

This raises the big social question of what outcome we want to achieve from tougher criteria for investors. As has been widely reported, the 2015 measures imposed by APRA caused a drop in investor loans but the past few months have seen them surge back to represent more than 50 per cent of new loans written in January.

There is no doubt that access to cheap money is fuelling this surge of investor activity pushing up already overpriced housing, particularly in Sydney and Melbourne.

It’s unlikely that anybody who holds investment properties considers themselves the baddies in this spiralling affordability challenge. And in most instances, they are not. In fact, many of the investors that we’ve observed are doing so with the next generation in mind, alarmed that their children may never be in a position to own a home.

The problem for legislators and the community as a whole is that this entrenches a class of have and have nots. The Great Australian Dream has become an overworked cliché, yet it would be a sad day if we ever lost sight of this aspiration.

What we don’t want to see is those investors who have placed their faith in bricks and mortar being financially caned for doing so, and especially in many regional locations where there exists a shortage of affordable housing for rental.

If, however, some of the investment practices that exist at the fringe of property buying and speculation are reined in, that may be a good thing.

There is no doubt that the lending environment is in for a shake-up and now may be a good time to begin a conversation with trusted advisers about whether to hold, divest, refinance or look for opportunistic purchases.

NEWSLETTER
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About the Blogger

Andrew Cocks

Andrew Cocks

Andrew Cocks is the owner and managing director of Richardson & Wrench (R&W). Prior to acquiring the network, in 2009 took on the role of executive director and transformed R&W for the 21st century. In that time he has instigated a total brand overhaul, restructured the management and operations, re-engaged the network and added 25 new offices in NSW and Queensland.

FROM THE WEB

podcast

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With the softening market impacting property values in many parts of Australia, Sally Wood, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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: 

Sydney
Brisbane
Adelaide

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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:

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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:

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Two components of good investment research
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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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