Finance advice

Borrowers remain loyal to lenders

By webmaster

A significant number of borrowers have chosen to stay with their current lender despite knowing there are better deals elsewhere, according to new research from online mortgage marketplace SwitchUp.

The research found 23 per cent of borrowers have stuck with their bank despite knowing other lenders offer more attractive mortgage products.

Thirty eight per cent said they know they could do better but consider it too hard to change, 22 per cent cited avoiding hidden fees and charges as a key benefit to applying for a home loan online, with 14 per cent expressing their annoyance at having to pay additional fees and charges they were unaware of and 26 per cent saying they liked the fact they would not be sold to by mortgage advisors.

“Many consumers are just not aware of the fees and charges associated with their mortgage until it is too late to back out and we realise this can be very frustrating,” SwitchUp chief executive Jega Rajan said.

Yesterday’s interest rate cut will be welcome news for borrowers looking for lower rates, but Mr Rajan believes finding a cheaper rate is not the only factor to consider when choosing a lender.

“Comparing interest rates is critical but it’s only half the job,” Mr Rajan said.

“Consumers must compare the total cost of each loan they are eligible for and look for features they may want or need over the term of the loan.”

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FROM THE WEB

podcast

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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:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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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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 Make sure you never miss an episode by subscribing to us now on iTunes!

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RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

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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