Finance advice

Fixed rate demand wanes

By webmaster

A spate of attractive variable rate promotions from Australia’s largest lenders has resulted in reduced appetite for fixed rate mortgages.

According to new data from Mortgage Choice, demand for fixed rate products fell last month – the first fall since July 2010.

Just 10.7 per cent of the home loans approved for Mortgage Choice customers in February had a fixed interest rate, significantly down on the 15.3 per cent recorded in January.

Mortgage Choice spokesperson Kristy Sheppard said that the appetite for fixed interest rates is now at its lowest since October 2010, where it sat at 8 per cent.

“Last month’s fall in demand coincides with the start of the ‘lender war’ for home loan volume growth,” she said.

“It appears new borrowers were lapping up the newly introduced deals on offer in February, taking advantage of lenders’ various incentives as they compete to outstrip each other of vital market share.

“A move away from fixed interest rates may also signal an uptick in positive consumer sentiment towards the economic outlook. The next cash rate rise is now tipped for mid to late this year,” she said.

“Ongoing discount loans - where the interest rate is discounted over the entire loan term usually in return for an annual fee - experienced a 2.1 percentage point drop in popularity. This occurred as borrowers, smitten by the range of special offers, increased their demand for standard and basic variable rate loans, by 3.9 and 1.9 percentage points respectively.”

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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 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.

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Getting finance approved in this tightening lending environment

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