Finance advice

Fixed rates catch borrowers’ eyes

By webmaster

The hefty rise in home loan rates in recent weeks, particularly those on offer by the big banks, is driving increasing interest in fixed rate home loans.


November’s official cash rate rise came largely as a surprise to most Australians on Melbourne Cup Day, as did the decision by the big four banks, to increase their mortgage rates by over and above the Reserve Bank’s 0.25 per cent hike.

Since then, borrowers and aspiring buyers have been on the hunt for better deals, and according to one of the nation’s largest mortgage broking groups, fixed rate home loans are receiving increasing interest.

According to Loan Market chief operating officer Dean Rushton, the number one product the company’s brokers are currently receiving enquiries about is three-year fixed rate loans.

“The recent round of rate rises has resulted in a big jump in enquiries about fixing,” Mr Rushton said.

Indeed, for some home buyers, a fixed interest rate offers welcome security in times of rising interest rates and uncertainty.

A fixed interest rate can allow home buyers to essentially ‘set and forget’ making managing repayments easier to budget for.

In addition to considering fixed rate home loans, there are also increasing options available to borrowers who look past the traditional big banks.

Since November’s big bank rate hikes, a wave of non-bank lenders have moved to deliver home buyers an alternative, and quite compelling, offering. In addition a number of credit unions and building societies are offering much lower interest rates than the major banks.

According to Mr Rushton, a difference of as much as 1.2 per cent has emerged between the variable home loan rates currently on offer.

“The differences between lenders and the interest rates have really been amplified with the recent round of rate movements,” he said.

The truth is, while the big banks’ offering to borrowers has diluted, there is a wide range of options available to borrowers willing to shop around.

“People can achieve significant annual savings by shopping around and getting a better deal on a mortgage with a much more competitive package,” Mr Rushton says.

An easy way for borrowers to shop around is to engage the assistance of a mortgage broker. They can compare a whole range of products for you, saving you from having to spend your precious time doing it yourself.

The expertise of a good broker means they can also help you to assess the different options available – placing you in the best position to finance your property, comfortably.

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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] for more insights!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
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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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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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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.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

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.

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Getting finance approved in this tightening lending environment

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