Finance advice

Nearly a fifth of people turned down for a loan

By Annie Kane
No

Eighteen per cent of Australians have been turned down for a home loan by a financial institution and nearly one in 10 have been rejected by a big four bank, according to new research.

According to a survey of around 1,100 people undertaken in May, 18 per cent said they had been turned down for a loan by a financial institution, while nearly a tenth had been rejected by one of the big four banks.

The research, which was undertaken to highlight the growing proportion of Australians who are being “locked out” of the financial system, found that more than a quarter (26 per cent) of the Aussies that were turned down for loan were refused because they were either self-employed or worked part-time.

Further, more than half (54 per cent) of those rejected for a loan at a bank were “unaware” that there was another option available.

Speaking to sister publication Mortgage Business, Pepper Money's managing director, Australian mortgages and personal loans, Mario Rehayem said that when the figure of loan rejection was extrapolated out to reflect the Australian population, that would equate to 3.6 million people that are “underserviced”.

Mr Rehayem said that it was “quite an alarming result”, adding that there is a “void” being created by larger financial institutions, as they are “very fixated on one style of customer or personas”.

He explained: “People are not qualifying for loans for an array of different reasons; it's not just because they are self-employed, it could be the type of income that they have. The emerging gig economy has really started to come to the fore… And that finding [of people being unable to access finance] will continue to grow because the old-style policies are not really adapted to the new style of Gen Y and the gig economy.

“We are a nation of entrepreneurs and we do embrace upcoming opportunities and when we do that… it might not mean that we've been self-employed for a minimum of two years [the common requirement from major institutions lending to self-employed persons].

He continued: “These are the factors that the industry needs to have a really good think about; yes, everyone has to take a calculated risk on the top of borrowings and money that we lend out, but at the same time we cannot be ignorant or oblivious to a change and a shift in the way people work.”

Mr Rehayem highlighted that Pepper Money specialises in providing finance to this "underserviced market" adding that more than 90 per cent of its home loan applications are conditionally approved because they "look at the whole picture of an individual’s circumstance when making a loan assessment to understand their real life".

The research also showed that 42 per cent of Australians do not feel their financial institution understands their needs and financial goals, while 63 per cent said they withhold information from their main financial institution.

The managing director of Australian mortgages and personal loans concluded: “There is a growing disconnect between Australians and financial institutions, which is causing many Aussies to fall through the cracks.

“Brokers play a vital role in helping to access these people, understanding their whole situation and helping them to find a solution that meets their needs.”

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Purchasing their first property 15 years ago with the intention of creating a property portfolio which would see them comfortably supported during their retirement, Max and Jeanette Schudeboom now have a portfolio of 13 properties.

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Max and Jeanette joins  host Phil Tarrant to discuss their property journey, compare the Australian market to Max’s home town of Holland, and share their plans to maintain the size of their portfolio.

The pair also unpack how they manage and finance their portfolio, discuss the process they go through when choosing where to invest, and share the tips learned from 15 years as property 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:

Two components of good investment research
How this investor diversified her property portfolio
Should rentvestors eventually buy a principal place of residence?

AREAS MENTIONED:

Castle Hill
Point Cook
Elizabeth East
Huntfield Heights
Mt Warren Park
Albury
Cambridge Park
Penrith
Braemar
Morayfield
Melbourne
Mill Park
Edens Landing

 

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What 15 years in property investment teaches you
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Property investors are now able to identify and bid on auctions remotely using a new live-streaming functionality launched by Gavl.

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Called “Request an Auction”, the new functionality enables users to watch and bid on any Sydney or Melbourne auction remotely.

Through Gavl, prospective buyers are now able to register to bid on their preferred auction. The platform will obtain permission from the listing agent and confirm within 48 hours.

Vendors can also request to have their auctions broadcast to a larger buyer audience.

Co-founder Joel Smith said that auctions streamed on Gavl attract 47 per cent more viewers than traditional ones.

He said that Request an Auction will be valuable for remote buyers.

“Buyers are able to have Gavl attend any auction they nominate, so they will never have to miss out on an opportunity due to logistical complications in physically attending the auction.

“Vendors, too, have the opportunity to directly book an auction with us, so they can open up their event to buyers all around the world. With more potential buyers, they’re giving their property the chance to receive more bids and maximise their sales result.”

Mr Smith said that prior to the Request an Auction app, buyers were limited to what they could achieve through the Gavl technology.

Gavl is a live-streaming and bidding platform for real estate auctions.

Mr Smith said that it has streamed more than 6,000 auctions, which have achieved 3.5 million views from 50 countries.

Gavl’s Request an Auction function is currently being offered in Melbourne and Sydney only.

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Boost for investors as app sets up off-site bidding
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Having to split her time between Hong Kong and her original base of Sydney has not slowed Julia Tita’s goal of building a high-performance Australian property portfolio. Instead the resulting alterations to her strategy have positively impacted her investing success.

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Having recently purchased her 6th property, Julia joins host Tim Neary to discuss her journey, share her ups and downs over the years, and reveal her thoughts on why some properties are better than others.

Julia also explains why she no longer makes a move without the help of a buyer’s agent, why working with a strong team of specialists is extremely important and discloses her long-term property ambitions.

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:

Why is Australian property so unaffordable?
Brisbane infrastructure attracts international interest
Going global
Australia desirable to foreign investors

AREAS MENTIONED:

Eagleby
Charters Towers
Townsville
Brisbane
Paddington
Sydney
Orange
Melbourne 
Glen Iris
Bondi

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How a move to Hong Kong impacted Julia’s Australian property goals

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