Finance advice

Mortgage loans hit historic high

By Tim Neary
Mortgage loans hit historic high

The average Australian mortgage size has grown past $500,000 for the first time in history, new data indicates.

The findings come from comparison website comparethemarket.com.au in conjunction with mortgage broking services group AFG.

Comparethemarket.com.au analysed AFG’s December Quarter Mortgage Index and found that in the second quarter of this financial year the average loan size nationally grew to $500,446. Over the last five years, the average loan size has grown 26 per cent in total, up from $396,445 in the second quarter of the 2013 financial year.

Comparethemarket.com.au spokesperson Abigail Koch said the results are illuminating.

“Household debt levels are already at alarmingly high rates,” she said. 

“And with the average loan size growing to over $500,000, this indicates that Aussies are willing to take on deeper levels of debt.

Ms Koch said there are no surprises in the drivers behind the growth.

“Residents in our nation’s most populous states – NSW and Victoria – are responsible for this growth, with NSW residents recording an average mortgage loan of $613,084 last quarter,” she said.

“This is considerably higher than the rest of the nation and the only state above half a million. In Victoria, the average loan size sat at $496,815.”

FHB’s return

AFG mortgage data reveals that first home buyers have been coming back into the market over the last 12 months, with their share of loans remaining in the double digits since the third quarter of FY17.

Ms Koch said that last quarter they represented 13 per cent of the total volume borrowed.

She also said that the last time first home buyers had a double digit share of home loans was back in the first quarter of FY14 – at 10 per cent.

“It’s a welcome trend that first home buyers are getting back into the market after a lull over the last few years.

“This indicates that the stamp duty concessions introduced in July last year may be having their desired effect, along with the plethora of affordably priced apartments that have recently come to market.”  

The data also shows that investor and refinancer loans are down, for the fifth consecutive quarter, to 28 per cent and 22 per cent respectively. And, that for the third consecutive quarter, upgrader loans have increased and now make up 44 per cent of the market.

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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.

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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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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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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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