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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Will Magee has had ambitions to enter into the Australian property market for quite some time, but it has been more than just finances holding him back.  Having been granted permanent residency just two weeks ago, Will is wasting no time and is now in the process of signing papers and finding his first investment property.

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In this episode of the Smart Property Investment Show, Will joins host Phil Tarrant to share why he is purchasing his first property in partnership with his brother, discuss the complications that can arise from such a strategy, and unpack the ongoing plan for building a joint property portfolio with his brother.

Will will also share how they approached saving for their first property, why he is taking out the mortgage in his name exclusively, and share their savings plan for the year ahead.

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:

From property in Australia to a ski lodge in Japan
Mortgage Trusts, an alternative first step for property investors
Should a real estate title be in one person’s name only?

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A property investment plan years in the making
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Median house prices in regional Victoria outperformed that of Melbourne in the June quarter, the latest REIV figures reveal. 

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Median house prices in the regions rose 4.0 per cent to $419,500 but in Melbourne they dipped by 0.6 of a percentage point to $840,000.

The result in Melbourne was due to a 0.8 of a percentage point fall in prices achieved at auction; this was despite a lift of 2.3 per cent in private sales.

Inner Melbourne suffered due to auction prices, where median prices fell by 4.9 per cent to $1,459,000 but it was middle Melbourne that was hardest hit, with a 5.4 per cent drop to $974,500.

Outer Melbourne had a good quarter with the median rising by 0.5 of a percentage point to $681,000.

Apartment prices in regional Victoria grew by 3.7 per cent to $304,500 while the metro media was up by 0.5 of a percentage point to $604,000.

REIV President Richard Simpson said that despite fewer sales, many sectors of the market were performing well.

“2017 was a bumper year and while the trendline has flattened, despite the fall in median house prices in the June quarter, median prices are still up this calendar year for both houses and units, in Melbourne and in the regions,” Mr Simpson said. 

In particular there was been strong growth in regional centres which is probably due to the first-home buyers’ concessions said Mr Simpsons.

“The first-home buyers’ concession has been a boon for regional areas. A new entrant to the property market buying a house at the regional median will pay no stamp duty, while a first home buyer of an apartment in Melbourne at the median price would pay stamp duty of nearly $25,000,” he said.

Mr Simpson said that more prospective buyers are looking towards regional Victoria which is also having an effect in Melbourne.

“Melbourne’s outer perimeter continues to grow. Small increases in the June quarter mean that the median prices for both houses and units have risen over 10.5 per cent from a year ago.

Mr Simpson said moving forward that vendors need more realistic expectations as the highs of 2017 are now over.

“Negative chatter about the future of the sector coupled with stronger lending controls by financial institutions has created some uncertainty and vendors need to be realistic with their price expectations,” Mr Simpson said.

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Regional Victoria showing up Melbourne in price performance, new data finds
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  ["introtext"]=>
  string(381) "

If Mark Hodge’s face looks familiar to you it could be because of his time working as a professional entertainer which saw him working with the Australian ballet, appearing on multiple seasons of Dancing with the Stars and touring in musical theatre for 17 years. What you may not know is that Mark is also heavily involved in the short-term property rental marketspace.

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Mark joins host Phil Tarrant to discuss his transition from entertainer to investor, a journey pushed forward by dance related injuries and even a hit and run which saw him needing to find alternate methods to bring in an income. Mark shares how bad long-term tenants and a gang member guided him to the short-term rental market, and how this pushed him into helping others to realise the same benefits.

Mark will also address the common concerns, discuss what his company Maisonnets specialise in and unpack how they are making the process of filling short term rentals easier for 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:

The hard-to-swallow truth: The prickly points of the Airbnb reforms
Airbnb reforms unpacked for property investors
Airbnb leasing: What are a landlord’s rights and responsibilities? 


AREAS MENTIONED:

Melbourne
Sydney
Rushcutters Bay
Maroubra
Potts Point

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From pirouettes to property investment

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