Finance advice

Bank reforms “no silver bullet”

By webmaster

Treasurer Wayne Swan’s banking reforms have been all over the news but just how much they will benefit borrowers still remains unclear.


After much hype, the Gillard government announced its plans for a “competitive and sustainable banking system” on Sunday.

Key among the measures announced, which aim to provide a “better deal for consumers”, was the banning of exit fees on all new home loans from July 1 2011.

Other measures announced included further support to help credit unions and building societies create a ‘fifth pillar’ in the banking system, an extra $4 billion investment in residential mortgage backed securities (RMBS) and tough new laws against price signalling.

In explaining the new plans, Mr Swan said: “We've worked carefully and methodically with our financial regulators to develop a package of reforms that will be effective and enduring, and won't let the big banks off the hook.”

“There's no silver bullet here – the challenges flowing from the global financial crisis can't be solved overnight – but we'll keep working hard to give all Australians a fighting chance.

“Vigorous competition is the best way to keep interest rates for borrowers lower over time and create a system that offers real choice.”

But Mr Swan’s measures have received a lukewarm welcome – at best, with financial analysts and mortgage industry figureheads labelling the plan “huff ‘n’ puff” and “disappointing”, among other things, and unlikely to deliver increased competition.

If indications from the stock exchange were anything to go by, it appears the reforms will do little to challenge the big banks’ market share.  Share prices of the major banks all closed higher yesterday off the back of the announcement, adding more than a combined $3 billion in value.

Indeed, the banning of exit fees is being widely touted as an advantage for the big banks, with the fees traditionally falling in the domain of the smaller non-banks.

These lenders implement such fees as a way of managing the cost of funding home loans should consumers look to exit the loan earlier than agreed to.

“Removing exit fees will only hurt non-bank lenders – it will render them uncompetitive, which defies exactly what the package intends to do,” Tim Brown, incoming CEO of wholesale mortgage brokerage Vow Financial, told First Property Buyer earlier this week.

According to Mr Brown the government competition package will only help move the profits “around the big four”.

When it comes to actually securing the best home loan deal, consumers can simply mitigate most concerns by taking the time to one, shop around, and secondly, taking the time to read the fine print and understand exactly what your loan arrangements are.

If you’d prefer some assistance and guidance, a mortgage broker is the perfect place to look. They can do all of the shopping around for you, and will also ensure you know exactly what your loan commitments, obligations and rights are, now, as well as into the future.

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podcast

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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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RELATED AREAS OF INTEREST:

Hobart
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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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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

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:

How the Australian property marketplace could change
How to double the power of your deposit
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Why buying new property doesn’t mean buying better property
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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

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 investment strategies that actually work
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A spiralling market, or just media spin?

AREAS MENTIONED: 

Hobart
Sydney
Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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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) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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