Finance advice

Home finance sector rebounds

By webmaster

Increased demand from first home buyers and improved consumer sentiment has generated growth in the home finance sector, new research has revealed.

According to the latest data from the Australian Bureau of Statistics, home loan approvals nationwide were up 1.4 per cent in November and up 1.5 per cent year-on-year.

First home buyers accounted for 20 per cent of all activity – up from 19.1 per cent in October.

The data represents the eighth consecutive month of growth in home finance – a positive sign heading into 2012, according to Loan Market Group’s chief operating officer Dean Rushton.

“The consecutive growth seen in the second half of 2011 should continue while consumers act upon repeated rate cuts by the RBA in November and December,“ Mr Rushton said.

“Consumers will likely remain confident in the housing finance market with the strong possibility of a rate cut in February.

“This should fuel a significant number of approvals in the coming months, which will stimulate many struggling sectors in the economy.”

Mr Rushton said approvals in New South Wales were up 4.9 per cent from October, 2011, and 9.4 per cent for the year.

“In NSW we’re seeing a significant demand brought forward by first home buyers acting before the 2011 deadline for the stamp duty exemption,” he said.

The stamp duty exemption was lifted for purchase contracts signed before January 1, 2012, which should help finance activity remain high in NSW for the start of 2012 as those deals obtained financing.

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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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Sydney
Brisbane
Adelaide

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Revesby
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Sans Souci
Strathfield

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

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A joint property portfolio before they were even living together

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