Finance advice

First home buyer mortgage pressure on rise

By webmaster

First home buyers in Brisbane and Melbourne are facing mortgage pressures on par with Sydneysiders, new research has revealed.

Despite Sydney being widely considered the nation’s most unaffordable city, research by the National Centre for Social and Economic Modelling (NATSEM) at the University of Canberra has found, mortgage pressures in Brisbane and Melbourne have increased significantly over the past decade.

According to NATSEM, more than half of first home buyer households in all three cities pay more than 30 per cent of their disposable income on housing costs.

Over the past decade mortgage pressures have remained high but stable in Sydney at 56 per cent.

In the same period, mortgage pressures have increased dramatically in Brisbane and Melbourne, from 43 to 58 per cent and 36 to 53 per cent respectively.

“The higher pressure on first home buyers is driven by disposable incomes growing by just 64 per cent compared to house prices growing by 132 per cent over the past decade,” principal researcher Ben Phillips said.

Mr Phillips said there were no signs of the situation easing.

“The removal of the first home buyer’s grant bonuses through 2009 and the prospect of higher interest rates offer a bleak outlook for potential first home buyers and recent first home buyers, many of whom either have a large mortgage or continue to battle a tight rental market.”

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podcast

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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]tyinvestment.com.au 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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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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