Finance advice

IO fixed rate loans predicted to come down ‘in the next few weeks’

By Sasha Karen
fixed rate loans, piggy bank, investment, clock, savings, money

Following APRA’s requirements to curb investor lending, one expert has claimed the big four banks have “overshot the mark”, and to rectify this short fall, investors could get a great deal on fixed rate interest-only lending.

New data from APRA’s December Quarterly ADI Property Exposures statistics has revealed interest-loans have fallen to historic lows, dropping from 36.26 per cent down to 15.22 per cent.

Speaking to Smart Property Investment, RateCity’s money editor Sally Tindall said this dip in APRA figures is directly related to the measures announced in March 2017, and the results today means the banks are convincing investors to go for principal and interest loans, and as a result have “really overshot the mark”.

“Property investors are people who particularly take advantage of interest-only loans, often for tax reasons, and the fact that the number of interest-only loans has plummeted is very telling,” Ms Tindall said.

“APRA asked [the banks] to cap all new interest-only lending to 30 per cent, and they’re down to almost 15 per cent. So, what we believe we’ll see is interest-only rates coming down as a result of this overshooting the mark.

“We’ve already seen the big four banks cut fixed rates for interest-only lending, and I do think we’ll see more rate cuts to come in the next few weeks.”

Simply put, she said future investors could be able to get cheaper rates, especially fixed rates.

“We’ve already seen a raft of changes come through, so in the last … month, we’ve seen all four of the big banks cut fixed interest-only rates, but there’s plenty more that they can cut, and we’re expecting that that gap between what someone pays on an interest-only loan versus what they pay on an principal and interest loan will narrow,” she said.

“Currently if you’re an investor and you want to pay interest-only, on average, you’re going to pay 39 basis points more. We believe that’s going to decrease over the coming months as the banks look to open up their books again to interest-only lending.

“In terms of fixing, we might see further cuts in that arena, in the fixed rate arena, but it really depends if you like the security of a fixed rate low more than anything else.”

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podcast

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

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:

Revesby
South Hurstville
Sans Souci
Strathfield

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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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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

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.

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AREAS MENTIONED:

Redcliffe
Port Macquarie
Loganlea
Launceston
Raceview

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A joint property portfolio before they were even living together
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As the investment market tightens are you looking to learn something that will help you realign or readjust your property goals? In this episode of The Smart Property Investment Show, first time on the podcast Lisa Porter joins host Phil Tarrant to talk about the gems and wisdom associated with her modest portfolio of ‘only’ six properties.

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Listen now as Lisa and host Phil Tarrant discuss how her property journey started in the UK, with the purchase of a rough unit in a lower-socio suburb of South London. Lisa breaks down how that first purchase provided her greatest lesson, one she still applies today - turn off the noise, don’t worry too much about the peripheries and just get on with it.

The pair also discuss how property has given Lisa so much extra value in her life, not just building an asset base and heaps of enjoyment, but it also how it changed the trajectory of her career. Women, she says, shouldn’t be fearful of being proactive and taking control of the direction of their family’s financial future.  

 

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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How WA, the NT, SA and Tasmania are currently performing



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Walking and talking property investment with Lisa Porter – therapy, empowerment, education and inspiration

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