Finance advice

Industry veteran attacks bank reforms

By webmaster

Criticism of the Federal Government’s proposed banking reforms continues to flow in from all angles.

Yesterday both Aussie Home Loans and Moody’s Investors Service slammed the reforms that are designed to bring much needed competition to the mortgage lending space in Australia.

Aussie Home Loans executive chairman John Symond rebuked the government for failing to consult the sector that brought competition to the Australian mortgage market and criticised the sudden withdrawal of funds that could force the non-bank lender to lift its rates.

In his speech to the Senate Inquiry on Banking Competition, Mr Symond labelled the government’s suggestion that Australia’s credit unions and mutuals could become the fifth pillar a “joke”.

He said the biggest barrier to competition was a lack of wholesale funding costs for non-banks.

However, last week, the government told the AOFM to cut off funding assistance to lenders partly or wholly owned by a major bank.

Mr Symond’s criticism of the reforms were echoed by other industry pundits including Moody’s Investors Service, who labelled the competition plan “ineffective”.

Patrick Winsbury, a senior vice president at Moody's Sydney office, said the various initiatives to increase competition are likely to have an impact only over an extended period -- if at all -- and therefore create limited near-term pressure on the credit profiles of Australia's major banks, which are the principal targets of the government's proposals.

"In fact, the major banks stand to benefit from the ability to issue covered bonds. But the proposals provide only a foundation upon which to tackle the structural dependence of the major banks on offshore wholesale funding, which is the most significant negative credit issue that the Australian financial system faces,” Mr Winsbury said

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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:

How technology is changing the lending environment
Lessons from a falling market
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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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