Finance advice

Mortgage demand softens

By webmaster

The threat of further rate hikes has cooled buyer demand.

According to the latest AFG Mortgage Index, mortgage sales declined by 3.7 per cent in July, suggesting home buyers have officially retreated into their shells in an attempt to ride out the current economic woes.

Month-on-month mortgage sales fell most in Victoria, by 7.4 per cent, with declines also recorded in New South Wales (5.9 per cent), Western Australia (5.0 per cent) and Queensland (0.5 per cent).

Only South Australia recorded an increase, but off a much lower base, of 13.7 per cent.

The most active part of the mortgage market remains refinancing, with two out of every five new mortgages arranged to refinance an existing home loan. By contrast, the proportion of owner occupiers arranging mortgages to move or upgrade their homes was just 11.7 per cent of all mortgage sales.

AFG’s general manager of sales and operations Mark Hewitt said the figures show Australians are worried about their financial future.

“Ever since the interest rate rise last November, home buyers have gone into their shells. Western Australia, supposedly the prime beneficiary of a resources boom has the most depressed property market of all. Domestic financial news is dominated by talk of rate rises and the carbon tax. Gloomy international financial news has seen stock markets slump. We’re all looking for strong economic leadership to provide the market with some much needed confidence,” he said.

In Western Australia, total mortgage sales for the first six months of 2011 were 3 per cent lower than for the last six of 2010.

Major banks continue to dominate the lender market, with 81.7 per cent of all new home loans arranged by the four major banks, including the subsidiary brands they own.

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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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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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.

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The different reasons to start rentvesting

 

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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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Why buying new property doesn’t mean buying better property

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