Finance advice

Self-employed investors struggle for finance

By webmaster

The new national consumer credit protection laws have reduced lender appetite for low doc (low documentation) loans, making it more difficult for self-employed investors to secure finance.

Data from Loan Market has found that applications for low doc loans have fallen to just five per cent of overall loan lodgements since the beginning of the year.

Loan Market chief operating officer Dean Rushton said prior to the implementation of the new regulation, low-doc loans accounted for 10 per cent of the company’s loan lodgements.

“Under the new National Consumer Credit Protection (NCCP) legislation, lenders are being more cautious when lending to the self-employed and small business owners who, unlike PAYG borrowers, do not have straight forward pay slips or group certificates to verify their annual income,” Mr Rushton said.

“As a result, many hard working self- employed people and small business owners are finding it harder to get finance.”

Mr Rushton said interest rates for low-doc loans are usually higher than the standard variable rate of a full-doc loan, the minimum deposits are higher, additional fees are charged and the loan-to-valuation ratio (LVR) has to be lower.

He said Loan Market fully endorsed the objective of the NCCP laws to counter irresponsible lending practices, which included misuse of low documentation criteria.

“The issue is that many Australians with genuine credentials to obtain finance are also being impacted,” Mr Rushton said.

“The reality is that lenders had already adjusted their internal credit criteria for this type of lending following the GFC to lower the risk associated with less documentation. The interpretation of the NCCP legislation has further tightened the criteria.

“These same small business owners are already struggling with the impact of successive rate rises on retail sales and are now being hit with tougher lending conditions.”

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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:

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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.

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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.

" ["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) "2018-09-17 06:16:11" ["slug"]=> string(69) "18556:getting-finance-approved-in-this-tightening-lending-environment" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(89) "/investor-stories-1/18556-getting-finance-approved-in-this-tightening-lending-environment" }
Getting finance approved in this tightening lending environment

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