Finance advice

The clever loan product that can help make sales

By Sally Tindall

One of the frustrations of being an investor is waiting to sell one property before buying another. However, there is a way you can get around this, writes Sally Tindall of RateCity.

“Unfortunately, we’re no longer in a position to buy. We still love your property, but we’re struggling to sell our place and we have to sell before we can buy.”

Is this a phrase you say often? One possible way around this is with bridging finance.

The ins and outs of bridging finance

The big four banks offer bridging loans, as do most well-known lenders, although some smaller lenders don’t.

Bridging loans are specialist products designed to help people move from one property to another. They provide a cash injection that allows consumers to buy first and sell later.

Loans are interest-only, but are harder to access than traditional interest-only loans because they have stricter LVR requirements. Also, they typically have to be repaid within six to 12 months.

One downside of bridging finance is that it leaves buyers with two loans – their original mortgage and the bridging mortgage.

Another downside is that buyers have to pay interest-only rates, which are more expensive than principal and interest rates.

According to a recent analysis of all the loan products on RateCity, the average interest-only loan costs an extra 30 basis points for owner-occupiers and an extra 24 basis points for investors.

The potential benefits of bridging finance

However, there are also several different ways buyers can benefit from bridging loans:

  • Snap up their dream home instead of losing it to somebody else;
  • Save thousands of dollars if they’re buying in a rising market; and
  • Move on with their life if they have to relocate for work or ahead of a new school year.

Bridging finance can offer another benefit – it can help buyers avoid the potential hassles of selling first and buying later. For some buyers, there can be a gap of several months between the two transactions, forcing them to move into short-term, and expensive, rental accommodation and then move again into their new home.

The next time one of your hot buyers turns cold because they feel they have to sell first, it’s worth giving them the contact details of a trusted mortgage broker.

It’s not your job to spruik bridging finance, just to know enough about it to steer buyers in the right direction.

Like all financial products, bridging loans won’t suit everyone. For example, some buyers might be better off trying to negotiate an extended settlement with your vendor. That way, they’ll have more time to sell their own property.

Still, some buyers find bridging loans very useful, so they’re something you should understand. If you do end up taking out a bridging loan, that next property could be yours.

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About the Blogger

Sally Tindall

Sally Tindall

Sally manages the RateCity editorial team, producing consumer-focused insights into personal finance and cost of living issues.

 

FROM THE WEB

podcast

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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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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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As the investment market tightens are you looking to learn something that will help you realign or readjust your property goals? In this episode of The Smart Property Investment Show, first time on the podcast Lisa Porter joins host Phil Tarrant to talk about the gems and wisdom associated with her modest portfolio of ‘only’ six properties.

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Listen now as Lisa and host Phil Tarrant discuss how her property journey started in the UK, with the purchase of a rough unit in a lower-socio suburb of South London. Lisa breaks down how that first purchase provided her greatest lesson, one she still applies today - turn off the noise, don’t worry too much about the peripheries and just get on with it.

The pair also discuss how property has given Lisa so much extra value in her life, not just building an asset base and heaps of enjoyment, but it also how it changed the trajectory of her career. Women, she says, shouldn’t be fearful of being proactive and taking control of the direction of their family’s financial future.  

 

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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How WA, the NT, SA and Tasmania are currently performing



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Walking and talking property investment with Lisa Porter – therapy, empowerment, education and inspiration

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