Finance advice
property investors, special deals, property investment, investing

How property investors can tap into ‘special deals’

By Bianca Dabu

Recent changes in guidelines pertaining to loans and interest rates set up by the Australian Prudential Regulation Authority (APRA) has brought about a ‘softening’ in the property market, but lenders found a way to influence mortgage volumes, attract more clients, and sustain their businesses through special rates.

The disparity between interest-only rate and the principal interest rate has consistently widened since APRA introduced new guidelines which aim to stop investment books from growing too fast. Fewer investors have since entered and stayed in the market, but Aussie Parramatta’s Ross Le Quesne believes that property investment will continue to thrive and that the mortgage industry will continue to play an integral part in its growth.

While lenders have standard pricing and advertised rates available, which follow the guidelines set by APRA, mortgage brokers can apply for pricing on an investor’s behalf and get a special rate.

According to Ross: “[Mortgage brokers] can apply for pricing on your behalf to see what [lenders are] prepared to offer. I'm getting the feeling that some of them are getting … under that 30 per cent cap now with the way the rates are priced.”

In fact, he’s starting to see better pricing and “even fixed-rate pricing for interest-only”.

The scaremongering in the mainstream media has resulted in some investors dropping off the market and more sophisticated investors picking specific areas to invest in. As the level of investment loans drop, the credit policies around investment are also starting to loosen a little bit because lenders want to be as close to the 10 per cent growth rate as possible.

Ross explained: “They want quality business, so they might have a cheap rate, but then their credit criteria to actually get that loan approved is stricter than the next person.”

“It's not that simple. It's not driven entirely by rate,” he added.

Tapping into ‘special deals’

Can property investors get the opportunity to avail cheaper rates without the help of a mortgage broker? According to Ross, you’re definitely much better off with the assistance of property professionals. Otherwise, you may have to speak to lenders one by one just to find out what special rates they could offer you.

Having the help of mortgage brokers will help an investor avoid the hassle of going from one lender to another in order to negotiate rates. Aside from assisting in negotiation, a broker’s knowledge of the landscape can also help the investor’s application get approved easily.

Ross said: “You might negotiate the rate, but because [you] don't have the intricate knowledge of a mortgage broker of understanding [whether the] loan [will] actually get approved and [if it is] most likely to get approved based on their credit criteria, [then you] can just waste hours going through the rigamarole of finding the best rate, then applying but actually [getting a], 'No, sorry, sir, you don't qualify, because you haven't provided all your information up front.'" 

‘Look at the bigger picture’

At the end of the day, tapping into these “special deals” as a property investor depends largely on one’s capacity to see the options available to him. While dealing with the four major banks in Australia may seem like the safest choice, there are other opportunities out there for securing finance.

Ross’ final advice to investors: Look at the bigger picture. Do not limit your ability to grow a portfolio by only focusing on specific options.

The mortgage broker said: “You've got to be open to what is the situation in the market and what does this mean … [Take] a longer-term view on it.”

“Sometimes, it's just looking outside the box a little bit to say, ‘Okay, how can I secure [finance] because I know the money that I'm going to make from this investment long-term is more than the slightly higher interest cost is going to cost me?’ ” he concluded. 

Tune in to Ross Le Quesnes’ episode on The Smart Property Investment Show to know more about the habits he sees among the best investors in today’s market as well as how growth in the investment industry has been enhanced by the mortgage industry in the last few years.

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

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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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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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.

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!

RELATED AREAS OF INTEREST:

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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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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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Getting finance approved in this tightening lending environment

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