Finance advice

Mortgage arrears remain steady

By webmaster

Loans underlying Australian prime residential mortgage-backed securities rose slightly in October 2011, the latest report by Standard & Poor’s Ratings Services has found.

While the Australian economy has been strong of late, Standard & Poor’s credit analyst Vera Chaplin said the results weren’t surprising and instead conformed with traditional trends.

"Whilst a relatively stable macroeconomic environment continues to underpin the performance of Australian RMBS portfolios, recent interest rate increases by banks and financial institutions and modest weakening in labour market fundamentals may impact arrears performance at the margin in coming months, as some borrowers face difficulties with increasing loan repayments," Ms Chaplin said.

"The seasonal impact of the Christmas and holiday period is also likely to see some upward trends in arrears in coming months."

According to the report, arrears on prime RMBS rose four basis points to 1.56 per cent.

In addition, subprime RMBS arrears rose by 36 basis points to 10.74 per cent in October.

Specifically, new subprime arrears rose by 78 basis points and severe arrears fell by 41 basis points.

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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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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.

" ["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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