Finance advice

Fixed rates not so popular

By webmaster

Despite attempts by lenders to attract borrowers, fixed rates continue to make up only a small portion of all loans financed.

According to finance research house RFi, the proportion of fixed loans grew just 0.6 points in July to 4.0 per cent.

The proportion of fixed rate loans to all loans refinanced has fallen significantly from a high of 23.9 per cent in February 2008, when the official cash rate was set at 7.25 per cent.

Over the last two years the proportion of fixed loans has fallen by 54.55 per cent from July 2008 to July 2010.

RFI director Alan Shields told Smart Property Investment that over the past few years, there has been a growing trend among borrowers to veer towards variable over fixed rate mortgages.

Mr Shields said as much as certainty is a nice thing for borrowers, many are reluctant to lock themselves into something.

“Our quarterly consumer sentiment survey has shown a growing trend among borrowers to opt for variable products over fixed rate products,” he said.

“Fixed rate products have, generally speaking, been more expensive in the past which can influence a borrower’s decision. While many banks have revised their fixed rate pricing down in recent weeks, it is probably not enough to encourage borrowers to fix. Many are happy to ride out the variable wave and see where interest rates go.”

But with many predicting interest rates to rise over the coming quarter, have borrowers that are looking to fix missed the boat?

Mr Shields thinks not.

“I would be hesitant to say borrowers have missed the boat. Though, that said, the best time to fix a mortgage is when the banks are just starting to change their standard variable pricing.”

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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!

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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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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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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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