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Could you be tempted by the lenders latest home loan offers? There’s a lot of competition for Australia’s $1.3 trillion home loan market and one could be easy to be dazzled or confused by the variety of offers available.
Indeed, some of the deals might sound more like those on offer from car dealers than the banks, but that’s what happens interest rates are low and every lender is keen to grab a share of the market. Mortgage Brokers more popular than ever. Mortgage brokers are now responsible for writing over half of Australia’s home loans and are valued for their choice, expertise and convenience, according to a new survey commissioned by the Mortgage and Finance Association of Australia (MFAA).
From a 49.9 per cent share of the market in the March 2014 quarter, total new home lending to mortgage brokers increased to 51.9 per cent in the March 2015 quarter. Over this time there was a $44.2 billion increase in mortgage lending across Australia and brokers were responsible for 71 per cent of this increase, Australian Bureau of Statistics data reveals. Brokers were also found to be proficient at matching the right product to customer’s needs.
In fact 30.2 per cent of broker initiated home loans went to smaller lenders, demonstrating that brokers offer consumers real choice and have access to a wider range of mortgage products than banks or other financial organisations. How will the changes to investment loans affect you? The importance of a knowledgeable mortgage broker has come sharply into focus following the recent banking system changes to investment loans.
Many panicked borrowers have turned to mortgage brokers like us, for guidance in the months since the Australian Prudential Regulatory Authority (APRA) directed the major banks to place limits on investment lending and hold more funds in capital reserves. With each bank responding individually to the directive, the changes in policy and pricing have varied wildly from one lender to the next.
What is home loan portability? If you are moving house, home loan portability gives you the option to take your current loan with you.
By keeping your loan from one property to the next, you won’t have to go through the process of refinancing and you can save on establishment costs like application and valuation fees, government charges and potential exit fees (banned on loans taken out after 1 July 2011). If you have a fixed rate home loan, then loan portability could save you the significant break costs that may be charged for altering your loan before the full term. It also entitles you to retain existing facilities like your ATM card, Offset account and cheque book.
Some mortgages include portability and others provide it as an option. Often there are restrictions in place that determine in what circumstance portability can be used. No move on Interest Rates again. The final meeting of the Reserve Bank for 2015 produced no surprises as the Board made the decision to keep interest rates on hold.
The official cash rate continues to stand at an all time low of 2%. Looking back on the past year, it’s been nothing but good news for the Australian housing market. Now that the traditional ‘spring fever’ has transitioned into the more languid days of summer, we can reflect on an extraordinary year. How to Choose a Home Loan Term. Some people pay off their home loan in record time, while others take 30 years.
Which is better? Deciding on the length of your mortgage term is an important decision because it can significantly affect the amount of interest you pay, as well as have implications for equity and cash flow. With a shorter-term loan you’ll build equity more quickly, which gives you the opportunity to generate a larger profit when you sell. With a longer home loan term you will pay significantly more interest over the life of the loan, but on the flip side, there is more flexibility and less financial risk. For example, a 15 year loan of $430,000 at 4% interest, will cost you $142,518 in total interest paid and $3,181 in monthly repayments. Untitled. What to Consider when Buying a Second Property. Buying your own home remains the great Australian dream – and purchasing a second property may help you take your wealth further.
Whether you’re building your property investment portfolio, buying a holiday house, upgrading or supporting a family member, there are plenty of things to think about before you take that all important next step. Consider your cashflow. Bad Credit Loans- Best Lending Alternative For Imperfect Credit Holders.