Finance advice

Borrowers slam banking reforms

By webmaster

More than 80 per cent of Australians believe the federal government’s latest banking reforms do not go far enough to help home borrowers.

According to a recent survey conducted by Mozo, Australians are cynical about the effectiveness of proposed measures to give the Australian Competition Consumer Commission (ACCC) more power to investigate price signalling by the banks.

Only 16 per cent of borrowers agree that greater intervention by the ACCC and increased industry competition will lead to lower home loan rates, while 84 per cent of the survey’s respondents said the government’s proposed bank reforms will not be effective in keeping home loan rates down or in curbing the behaviour of the big four.

When asked what additional steps the Government should take to reform the banking industry, 67 per cent of borrowers still believe the reforms should include a super profits tax on the big banks, despite predictions from some banking experts that this could lead to increased interest rates.

Mozo’s managing director Rohan Gamble said the government failed to capitalise on consumer sentiment for serious banking change.

“It is abundantly clear that the vast majority of home borrowers see the reforms as a copout that will not change the behaviour of the majors in any meaningful way,” he said.

But despite widespread cynicism towards the reforms, Mr Gamble said almost 25 per cent of borrowers had identified that they would switch to a credit union or building society from July 2011 when exit fee bans and other switching measures take effect.

“Although borrowers are clearly disappointed with the government’s weak effort, it is encouraging to see that one in four home loan customers are more likely to switch to a more competitive lender as a result of the reforms.

“At the end of the day, real banking change will only happen if consumers themselves start becoming more proactive about getting a better deal.”

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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
Brisbane
Adelaide

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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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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Revesby
South Hurstville
Sans Souci
Strathfield

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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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