Finance advice
Sally Tindall

Why you should think about refinancing

By Sally Tindall

How would you react if you could save tens of thousands of dollars of your investment loan? Would you think it sounds too good to be true? It’s the relatively straightforward act of refinancing, and if you let me run you through the numbers, you’ll see how powerful this strategy can be.

How to save more than $60,000

Let’s start with all the variable-rate investors out there. For the sake of the exercise, we’ll assume you’ve got $300,000 left on your mortgage, paying principal and interest with an outstanding loan term of 25 years.

As of 1 November, the average variable investment loan is 4.90 per cent, according to the RateCity.com.au data.

Yet there are so many lower-rate options out there – including these three:

Lender Product Advertised rate Comparison rate
Reduce Home Loans Rate Buster Wealth Maximiser Loan 3.69% 3.69%
Pacific Mortgage Group Standard Variable Investment Loan 3.79% 3.79%
Homestar Finance Variable Rate Investment Loan 3.79% 3.83%

What’s the difference between a loan priced at 3.69 per cent and one priced at 4.90 per cent? Well, over a 25-year term, the difference in repayments is $203 per month or $61,117 over the life of the loan.

This kind of savings speaks for itself.

Fixed-rate borrowers can also save big

If you’re the fixing kind, there are still plenty of opportunities to save, provided you’re not currently in the middle of a fixed-rate contract and you’re happy to pay principal and interest.

While the average rate for three-year fixed investor loans is 4.55 per cent, there are, again, plenty of lower-rate alternatives:

Lender Product Advertised rate Comparison rate
Switzer Home Loans Fixed Rate Loan 3 Years 3.92% 3.90%
Virgin Money Reward Me Investment Loan Fixed 3 Years 3.99% 4.27%
Bank of Queensland Standard Fixed Rate Investment Loan 3.99% 4.91%

Over 25 years, the difference between paying 3.92 per cent and 4.55 per cent would be $106 per month or $31,720 over the life of the loan.

Does your investment loan start with a ‘3’?

It needs to be stressed that the cheapest product isn’t always the best. Depending on your personal circumstances, a higher-rate loan might be more appropriate.

That said, you need to ask yourself serious questions if your investment mortgage has a ‘4’ or even a ‘5’ in front of it.

So shop around and punch some numbers into a mortgage calculator. You might be surprised to discover just how much you can save – which means you could either pay off your mortgage faster or accumulate the deposit for your next investment property ahead of schedule.

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podcast

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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.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

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.

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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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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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

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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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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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

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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AREAS MENTIONED: 

Hobart
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Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
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Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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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.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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