Finance advice

Investor housing finance on downward curve, says REIA

By Tim Neary
Downward trend

The latest figures released by the ABS show finance approvals for investor housing are on a downward trend, according to the Real Estate Institute of Australia.

REIA president Malcolm Gunning says the data shows the value of investment housing commitments decreased by 1.5 per cent in May in trend terms, following a fall in the previous month, “well down” from its 2015 peak. 

“To put this in perspective, it needs to remembered that the May figures are the first to show the impact of the actions by the regulators and banks to limit bank lending to dampen investor demand for property,” Mr Gunning said.

“Overall, the figures for May 2017 show, in trend terms that the number of owner-occupied finance commitments decreased by 0.4 per cent. If refinancing is excluded, the number of owner-occupied finance commitments increased by 0.1 per cent and is the ninth consecutive month of increases.”

The figures also show decreases were recorded in all states except the ACT and Tasmania, with Queensland recording the largest decrease of 0.9 per cent. The ACT increased by 0.5 per cent and Tasmania remained flat.

The number of established dwellings purchase commitments decreased by 0.6 per cent. New dwelling construction increased by 1.0 per cent and the purchase of new dwellings increased by 0.4 per cent.

The proportion of first home buyers, as part of the total owner-occupied housing finance commitments, increased to 14.0 per cent, the highest since July 2015.

The number of first home buyer commitments increased by 28.9 per cent for the month and is the highest since October 2014.

“They [the data] show that the market is adjusting with owner-occupiers and first home buyers returning to the market as investor activity decreases,” Mr Gunning said.

“It is worth noting that this is before the recent concessions introduced for first home buyers.”

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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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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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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.

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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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