Finance advice

Investors turn away from fixed rate loans

By webmaster

Investors and borrowers turned away from fixed rate home loans for the first time in eight months, according to Australia’s largest independent mortgage broker.

In January fixed rate loans approvals figures saw a drop of three per cent to 21 per cent from December 2011 statistics, found Mortgage Choice.

Mortgage Choice spokesperson Belinda Williamson explained that borrowers taking new loans last month were less concerned with locking in their interest rate than those in late 2011.

This is the first recorded drop since May 2011.

"Interest rate cuts and generous discounting on variable rate loans could be the key drivers behind borrowers giving fixed rate loans the cold shoulder. The margin between fixed and variable has narrowed, with most variable rates now sitting only slightly higher than fixed rates,” Ms Williamson said.

If the Reserve Bank cuts the cash rate on Tuesday and lenders pass on some savings, then some variable rates could fall lower, she said.

"If this occurs, next month's loan approval data may show a bigger shift towards variable rate loans.”

Demand for variable rate loans rose by two per cent from December to January, to 79 per cent, however this is below the 12-month average of 85 per cent.

"Of all the variable rate loans, ongoing discount rates - where the interest rate is discounted over the entire loan term - maintained their popularity. Demand for this loan type reached an all time high at 46% of approvals, up from 41% in December and above the 12-month average of 37%."

Demand for basic variable loans fell to 14 per cent of all approvals last month, a drop of 1 per cent from December. Similarly, demand for standard variable loans also dropped by 1 per cent, from 16 per cent to 15 per cent.

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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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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.

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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!

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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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