Finance advice

Banks move to cut rates

By webmaster

Just one day after the Commonwealth Bank announced it would cut the interest on some of its fixed rate products, a number of other lenders have decided to jump on the fixed rate bandwagon.

ING DIRECT and St George have both cut the interest on their fixed rate home loans.

Effective from 10 August, ING DIRECT will slash its one year fixed rate to 6.59 per cent, while its three and five year rates now sit at 6.69 per cent and 6.99 per cent.

At the same time, St George also slashed up to 20 basis points from its two and three year fixed rate home loans.

From today onwards, the lender will boast a two year fixed rate of 6.69 per cent and a three year fixed rate of 6.79 per cent.

St George chief executive Rob Chapman said ongoing economic uncertainty had encouraged more borrowers to look at their fixed rate options.

“We encourage customers to consider if they have the right home loan to suit their needs. Customers have the option of splitting their home loan between fixed and variable rates, as well as a range of other flexible home loan options,” he said.

Meanwhile, Loan Market’s chief operating officer Dean Rushton has strongly urged Australians to seek advice if they are considering some of the cut price fixed rate home loan products now being offered.

“Obviously the broader issues of the market instability are continuing to derail consumer confidence, and we want to ensure that consumers make the right decision for the long term,” Mr Rushton said.

Mr Rushton said the fixed rate cuts were a reaction to the global share market volatility with lenders moving quickly to adjust rates in advance of a cash rate adjustment by the Reserve Bank of Australia.

Mr Rushton said lenders wouldn’t be rolling out price cuts without a strong feeling that a rate decrease by the RBA is now on the cards.

“We’re now more certain than ever that there’s a clear case for the RBA to bring rates down,” he said.

Mr Rushton said more than 100,000 Australians committed to fixed rates of more than eight per cent just before the last global financial crisis in 2008.

“There was much speculation about fixing rates at that time, and unfortunately many consumers had to sit on the sidelines and watch rates dramatically drop in the span of several months,” he said.

Mr Rushton said borrowers need to ensure they were locking into a fixed rate for the right reason, some of which included certainty of repayment and peace of mind rather than as a speculative play on where rates are going to move.

He said a mortgage broker was best placed to offer advice on issues such as fixing your interest rate, or taking a rate that’s partially fixed and variable.

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podcast

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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.

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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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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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

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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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

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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AREAS MENTIONED: 

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Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
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Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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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) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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