Finance advice

Non-bank heavyweight backs bank reforms

By webmaster

Mark Bouris has come to the defence of the federal government’s recent banking reforms.

In the past few days since Treasurer Wayne Swan released the banking reforms, industry heavyweights have voiced their dissatisfaction towards the overall competition package and suggesting that the government did not consult with non-bank lenders before drafting the reforms.

However, this suggestion has since been shot down by Mr Bouris, executive chairman of Yellow Brick Road.

Speaking at the senate inquiry into banking competition, Mr Bouris said there are continual and ongoing discussions between the government and Yellow Brick Road as a representative of the non-banking sector regarding financial reforms.

“It has been stated that mutuals and credit unions are ‘not up to the job’, do not have the strength to comprise a fifth pillar and are just ‘corner stores’. I want to make it abundantly clear that small corner stores do work when there are enough of them. We’ve done it before and we were the first to establish a proven and successful business model, which provided the consumer with a cheaper and more accessible home loan option,” he said.

“We were criticised in the 1990’s for this disruptive business model in the lending market and those same challenges have resurfaced. Any suggestions otherwise are not only fodder for a personal agenda, but a direct challenge to our business model. The incapability of mutuals is simply inaccurate.”

Mr Bouris also took the time to weigh into the heated debate surrounding exit fees.

“Yellow Brick Road believes that removing exit fees on standard variable rate loans is both proper and appropriate to prevent consumers being locked into high rate loans, and the company fully supports the Treasurer’s proposals in this area,” he said.

According to Mr Bouris, this measure will benefit consumers and increase the level of competition in the market.

However for clarity, Mr Bouris said it was important that recovery of costs for discounted loans should not be confused with exit fees.

“A discounted loan is one with a significant reduction in interest rate compared with the standard variable rate, which naturally may lead to additional direct costs for the lender,” he said.

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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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