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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With the softening market impacting property values in many parts of Australia, Sally Dale, 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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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.

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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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Revesby
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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!

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A joint property portfolio before they were even living together

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