Finance advice

Mortgage costs on the rise again

By webmaster

In a surprise move for both existing and aspiring property owners, the Reserve Bank of Australia (RBA) raised the official cash rate yesterday by 25 basis points, pushing the cost of borrowing up, yet again.


Financial markets were pricing in a 20 per cent chance of a rise in the cash rate on Melbourne Cup Day, but the RBA surprised the nation by lifting the cash rate up to 4.75 per cent when the clock hit 2.30pm.

A 0.25 per cent rise in interest rates will add around $50 a month to the average home loan repayments.

But if the news that the official cash rate had increased wasn’t bad enough, it appears the banks are preparing to lift home loan rates over and above the RBA’s.

The Commonwealth Bank announced yesterday that it would increase its standard variable rate (SVR) by 0.45 per cent – nearly double the RBA’s rise – as a result of funding pressures. And expectations are that the other major banks will follow suit.

The good news for aspiring property buyers is that there is still time to choose an alternative to the big banks.

While the majors such as Commonwealth Bank and Westpac may be front of mind for a lot of us, there are other lenders to choose from.

Credit unions and building societies, as well as non-bank lenders and the smaller banks, are all working hard to bring more competitive offers to the market, and borrowers looking for a better rate should shop around before simply sticking with their bank.

Just a quick glance at Canstar Cannex reveals a load of lenders offering SVRs well below the major banks’.

The Commonwealth Bank’s SVR now sits at 7.81 per cent. Heritage Building Society is offering a SVR of 7.05 per cent, LJ Hooker Home Loans’ SVR is sitting at 6.65 and Collins Home Loans is offering 6.55 per cent. And these are just a handful of examples.

So if you’re in the market for a home loan, look outside the square and you might just find yourself a better deal.

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podcast

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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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Sydney
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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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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.

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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A joint property portfolio before they were even living together

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