Finance advice
Rate cuts, atest housing finance figures, magnifying glass

Investor lending resurgence potentially triggered by rate cuts: CoreLogic

By Reporter

By loosening APRA’s macro-prudential measures and discounting recent mortgage rates, a surge of investor lending could occur, according to CoreLogic.

The latest housing finance figures from the Australian Bureau of Statistics show that the value of both owner-occupier (+0.5 per cent) and investor (+1.1 per cent) mortgages increased over the month of January.

However, owner-occupier mortgages were higher year-on-year (+4.4 per cent) while investor mortgages were down significantly (-12.1 per cent).

Meanwhile, fresh data from APRA showed that there was $15.272 billion worth of interest-only mortgages created over the December quarter — the lowest quarterly value of interest-only loans written on record (data dates back to March 2008).

“As a proportion of the $100.33 billion in mortgages written over the quarter, interest-only accounted for a historic low 15.2 per cent, which is down from 17.2 per cent over the September 2017 quarter,” CoreLogic research analyst Cameron Kusher said.

“This is substantially lower than the peak in new interest-only mortgages in June 2015 when they accounted for 45.6 per cent of all new mortgages over the quarter.

“While this all looks quite positive, the proportion of new interest-only mortgages remains well below APRA’s cap, which limits new interest-only lending to less than 30 per cent of the total value of lending.”

Although lenders are substantially lower than this benchmark, Mr Kusher noted that recent comments from APRA about potentially loosening some of the macro-prudential policies — specifically the 10 per cent cap of investor credit growth — and lenders cutting interest rates for investors and some interest-only products, could see demand reinflate.

The research analyst said: “Remember that investors, many of which have utilised interest-only mortgage, have been a major driver of growth in Sydney and Melbourne dwelling values over recent years. Just as values have stopped growing in each of these cities, the regulator is talking about relaxing some of the policies that have brought about the slowdown and lenders are reducing mortgage rates.

“The next few months and quarters of data will be very interesting to analyse to see how borrowers and lenders adjust to the ever-changing mortgage market and what impact this has on housing market activity and the pace of capital gains.”

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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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 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.

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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.

" ["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) "2018-09-17 06:16:11" ["slug"]=> string(69) "18556:getting-finance-approved-in-this-tightening-lending-environment" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(89) "/investor-stories-1/18556-getting-finance-approved-in-this-tightening-lending-environment" }
Getting finance approved in this tightening lending environment

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