Finance advice

Getting a loan across the line

By webmaster

There is a myriad of factors that lenders consider when assessing a would-be borrower’s eligibility for a loan.


While different lenders’ policies vary, determining your creditworthiness involves several common processes and being aware of these can help you put yourself in the best position to secure an approval.

First of all, they look at your capacity to service the loan. This means determining that you earn enough to meet the required mortgage repayments, and that your income is secure.

While many lenders are willing to accept a range of employment situations and income streams, a strong employment history, particularly stability in your current employment, will go a long way to establishing your creditworthiness.

In addition to your employment history, a lender will also assess your broader financial history. Any missed bill payments could come back to haunt you here so ensure you keep on top of any accounts and loan and credit card payments.

The amount of capital you can put up for the purchase will also be taken into consideration by the lender and, essentially, the larger your deposit, the better your standing. The lower the loan to value ratio (LVR) – in other words, the proportion of the purchase price you need to borrow – the lower the risk for the lender, so the larger your deposit the better.

Lenders will also evaluate your collateral, i.e. what you are offering the lender as security for your loan. The type, price and location of the property are all factors lenders consider. For example, a tiny studio apartment may be harder to secure finance for than a four bedroom home in a blue chip location.

Other assets will also be taken into consideration because the more security options the lender has, the more confident they will be that should anything not go to plan they won’t be left out of pocket.

External factors may play a part in shaping how lenders see your position. For example, during weaker economic periods they will be more cautious in terms of how much they are willing to lend and to whom.

Approaching a lender with no idea of how they will assess you is courting disaster (in the form of a refusal). Enlisting the help of a good mortgage broker, however, is a great idea. They will be well across lenders’ criteria and will be able to match you with the appropriate lender and help you prepare yourself for taking out a loan.

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podcast

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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:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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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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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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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

    In this episode, hear from\u00a0Michael\u00a0about:<\/p>\r\n

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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.

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
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

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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