Finance advice

Recent first home buyers dominate refinancing

By webmaster

More than 45 per cent of first home buyers that entered the property market less than two years ago will look to refinance this year, new research has revealed.

According to a survey conducted by Galaxy on behalf of LJ Hooker Finance, more than one in five of those active in the property market are looking to refinance their home loan in the near future.

LJ Hooker chief executive Janusz Hooker said after the 2011 interest rate cuts, home owners are closely watching the market to see what will happen next.

“Our research has shown that new home owners are concerned about interest rates and are very much aware that a spike in the cost of living could affect their home loan repayments,” he said.

Of those planning to refinance their home loans, 20 per cent cited interest rates as their primary concern, with a further 17 per cent needing to refinance to consolidate their debts.

When asked about the management of their finances, only 28 per cent of all home owners stated that they tracked spending through a strict budget. Almost half claimed they were living within their means but felt that an unexpected large bill would put pressure on their finances.

“Although Australians are taking steps to ensure that they are meeting their financial commitments, new home owners are clearly feeling increased pressure to stay on top of bills and mortgage payments,” Mr Hooker said.

“A lot can happen to a family’s living and financial circumstances over two years. New home owners should aim to meet with their broker or lender every 12 months to ensure that their loan product still suits their needs.”

However, not all new home owners are worried about their financial future, the company said. Almost one third of those looking to refinance were hoping to purchase a second, or investment, property.

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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:

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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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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.

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RELATED AREAS OF INTEREST:

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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.

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Getting finance approved in this tightening lending environment

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