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Mortgage sales surge in January
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Mortgage sales surge in January

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Mortgage sales soared 40 per cent in January 2012 in comparison to this time last year, new data shows.

According to the latest AFG Mortgage Index, sales in Queensland were up 80.6 per cent, 84.5 per cent in South Australia, 37.4 per cent in Western Australia, 25 per cent in Victoria and 14.5 per cent in NSW.

AFG, a mortgage broker aggregator, handles around 10 per cent of mortgages settled in Australia.

The latest data also revealed that WA usurped NSW as the most popular state for first home buyers.

Almost one in five new mortgages in WA was arranged for first home buyers. This compared to 14 per cent in NSW, which was down from 18.8 per cent in December. This drop coincides with the state government decision to scrap stamp duty exemptions for first home buyers purchasing existing properties.

However NSW retains its position as the most popular state for investment, with 40.2 per cent of loans there arranged for investment purposes, compared to 36.8 per cent in Victoria, 34.9 per cent in Queensland, 32.6 per cent in Western Australia and 32.0 per cent in South Australia.

AFG's general manager of sales and operations Mark Hewitt said borrowers were keenly awaiting the Reserve Bank of Australia's next interest rate decison, which is due on February 7, although doubts remained about whether any reduction would be passed on by lenders.

"Will the RBA cut rates, and if so, how much of this will be passed on by lenders?," he said. "It seems that we are moving to a new paradigm where there is less and less linkage between the cash rate and mortgage rates.

"An RBA cash rate cut will not automatically translate into improved consumer confidence."

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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!




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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: Facebook, Twitter 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:


How technology is changing the lending environment
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RELATED AREAS OF INTEREST:


Hobart
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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: Facebook, Twitter 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:

How the Australian property marketplace could change
How to double the power of your deposit
The different reasons to start rentvesting


 
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