Finance advice
Phil Tarrant

BLOG: Why getting the best rate for your loan is complicated

By Phillip Tarrant

If you’re currently a customer for a lender, you should always be asking your lender whether they’ve got the right rate for you, but in the end, it’s never easy.

The rate you have today with the lender might be a different rate in three months, six months, 12 months’ time, and you’re an existing customer.

So you need to go back to your lender and say, “Hang on a second, why aren’t I getting the same pricing as new customers?” Is that fair? It’s pretty close.

I like to keep things basic and simple.

There are a couple of things moving in unison to keep in mind, and that is number one: lenders can’t grow their loans from investors too quickly. And number two: they can only have so many IO loans on their books pretty much.

If banks or lenders are capped at a particular point and they already have current investor clients, they could just push the rates up on them because it’s going to potentially stop them buying other properties or moving elsewhere.

Alternatively, they can bring rates down for other areas if they want particular business there. As an investor, I can shift from being an IO to a P&I loan because there are no caps on P&I loans.

Therefore, they will offer better pricing to try and entice, cajole, whatever else people to go into those markets. If they could shift investors from IO to P&I, it means they could go back and get new customers on IO.

Now, the rationale for these recommendations and guidelines put in by APRA was to try and slow down rampant price growth in the market, and obviously Sydney and Melbourne have seen significant growth.

However, the market has changed a little bit in terms of investor appetite for property. There have been effects depending on the market of slowing down of price growth in some markets, a little bit negative, so in order to survive these changes, it’s important to rely on a mortgage broker.

If you don’t have a mortgage broker, get one. They help you out with this sort of stuff. Sit down with your mortgage broker and look at those pros and cons and that need to be filtered across or in view of what your wider strategy is.

Whatever you’re looking to do, it’s also important to think about whether you’re going to fix your loans or not. If you’re not going to do anything, it’s okay to fix because you’re not going to need access to the cash. But if you choose to be proactive in portfolio development and you need to drill down equity in terms of buying new property or building granny flats, it might not be the right solution or scenario for you.

If you’re going to change the type of loan, then you also need to be weary of break costs incurred. That’s when you say: “Mr Lender, thanks for three-year fixed rate. I’m two years in, I need some money now, I need a different home loan.” They go: “Sure, no problem. For you to break this mortgage is going to cost you X thousands of dollars.”

If you fix it at 4.5 and in three years’ time, variable rates are at 6 per cent, you can potentially have a 1.5 per cent jump in your interest rates at the end. You need to buffer that.

It’s actually quite complicated, this whole scenario in terms of whether to fix or stay variable because you don’t know what you don’t know.

You don’t know what the market’s going to do, you can’t control the market. You might be able to control what you choose to do with your property or property portfolio in two, three years’ time, but you can be restricted if you do fix.

It’s a little bit of risk in there because if you’re stowing variable, you can get the benefits of a variable rate which you hope is down but often it’s up again.

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Purchasing their first property 15 years ago with the intention of creating a property portfolio which would see them comfortably supported during their retirement, Max and Jeanette Schudeboom now have a portfolio of 13 properties.

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Max and Jeanette joins  host Phil Tarrant to discuss their property journey, compare the Australian market to Max’s home town of Holland, and share their plans to maintain the size of their portfolio.

The pair also unpack how they manage and finance their portfolio, discuss the process they go through when choosing where to invest, and share the tips learned from 15 years as property investors.

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:

Two components of good investment research
How this investor diversified her property portfolio
Should rentvestors eventually buy a principal place of residence?

AREAS MENTIONED:

Castle Hill
Point Cook
Elizabeth East
Huntfield Heights
Mt Warren Park
Albury
Cambridge Park
Penrith
Braemar
Morayfield
Melbourne
Mill Park
Edens Landing

 

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What 15 years in property investment teaches you
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Property investors are now able to identify and bid on auctions remotely using a new live-streaming functionality launched by Gavl.

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Called “Request an Auction”, the new functionality enables users to watch and bid on any Sydney or Melbourne auction remotely.

Through Gavl, prospective buyers are now able to register to bid on their preferred auction. The platform will obtain permission from the listing agent and confirm within 48 hours.

Vendors can also request to have their auctions broadcast to a larger buyer audience.

Co-founder Joel Smith said that auctions streamed on Gavl attract 47 per cent more viewers than traditional ones.

He said that Request an Auction will be valuable for remote buyers.

“Buyers are able to have Gavl attend any auction they nominate, so they will never have to miss out on an opportunity due to logistical complications in physically attending the auction.

“Vendors, too, have the opportunity to directly book an auction with us, so they can open up their event to buyers all around the world. With more potential buyers, they’re giving their property the chance to receive more bids and maximise their sales result.”

Mr Smith said that prior to the Request an Auction app, buyers were limited to what they could achieve through the Gavl technology.

Gavl is a live-streaming and bidding platform for real estate auctions.

Mr Smith said that it has streamed more than 6,000 auctions, which have achieved 3.5 million views from 50 countries.

Gavl’s Request an Auction function is currently being offered in Melbourne and Sydney only.

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Boost for investors as app sets up off-site bidding
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  ["title"]=>
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Having to split her time between Hong Kong and her original base of Sydney has not slowed Julia Tita’s goal of building a high-performance Australian property portfolio. Instead the resulting alterations to her strategy have positively impacted her investing success.

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Having recently purchased her 6th property, Julia joins host Tim Neary to discuss her journey, share her ups and downs over the years, and reveal her thoughts on why some properties are better than others.

Julia also explains why she no longer makes a move without the help of a buyer’s agent, why working with a strong team of specialists is extremely important and discloses her long-term property ambitions.

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:

Why is Australian property so unaffordable?
Brisbane infrastructure attracts international interest
Going global
Australia desirable to foreign investors

AREAS MENTIONED:

Eagleby
Charters Towers
Townsville
Brisbane
Paddington
Sydney
Orange
Melbourne 
Glen Iris
Bondi

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How a move to Hong Kong impacted Julia’s Australian property goals

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