Rise in Investor Lending

Despite the banks’ tightening of their lending restrictions, activity in the investor segment of the market is still on the rise. Figures for January show that investor lending increased by 4.2%, marking a dramatic 27.5% increase over the past 12 months, with interest in the Sydney and Melbourne markets still running hot. This is the most marked growth since the Australian Prudential Regulation Authority (APRA) put a cap on investor credit growth of 10% per annum back in 2015.

Although the average size of loans has only risen slightly, despite stronger house-price growth, should this trend continue, further measures from the Reserve Bank of Australia (RBA) and APRA to cool investor activity seems highly likely.

Indeed, the language coming out of the RBA is all pointing to tougher macroprudential measures being introduced over the coming months. In a recent speech to government, RBA governor Philip Lowe underlined the need for greater regulation, should investor lending continue to grow.

In recent months nearly half of all banks and lenders have raised their loan rates for investors, with the average price now 29 basis points above the average price for owner-occupiers. As this is not denting investor confidence, greater measures to slow property investment seem certain, and could include higher capital requirements or slashing the banks’ investor lending growth to 7% year-on-year.

About Louisa Sanghera 

Louisa Sanghera is a Finance Broker for Residential Mortgages, Vehicle and Asset Finance, Commercial Lending and Budgeting and Cashflow Coaching with Zippy Finance. She has gained more than 30 years in the Banking and Finance Industry, and since founding Zippy Finance has become a multi award nominated expert in the field of finance featuring regularly in industry press and speaking at finance and investment seminars across the country.

http://www.zippyfinance.com.au
louisa@zippyfinance.com.au
1300 855 022

Rate this Business

Sign Up for Latest News & Offers

Follow Us on Facebook
Facebook By Weblizar Powered By Weblizar

july, 2018

25nov(nov 25)10:00 am12aug(aug 12)5:00 pmAlphabetical Sydney: Creative Lab

27mar(mar 27)8:50 am11dec(dec 11)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

03apr(apr 3)8:50 am18dec(dec 18)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

10apr(apr 10)8:50 am25dec(dec 25)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

17apr01janSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

24apr(apr 24)8:50 am08jan(jan 8)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

01may8:50 am15jan(jan 15)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

08may(may 8)8:50 am22jan(jan 22)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

15may(may 15)8:50 am29jan(jan 29)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

22may(may 22)8:50 am05feb(feb 5)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

29may(may 29)8:50 am12feb(feb 12)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

05jun(jun 5)8:50 am19feb(feb 19)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

12jun(jun 12)8:50 am26feb(feb 26)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

19jun(jun 19)8:50 am05mar(mar 5)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

26jun(jun 26)8:50 am12mar(mar 12)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

03jul(jul 3)8:50 am19mar(mar 19)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

09julAll Day20Sydney FC Winter School Holiday ClinicsLearn to Play the Sky Blue Way across three days of fun!

09julAll Day20Sydney FC Holiday ClinicsLearn to Play the Sky Blue Way across three days of fun!

09julAll Day20Winter School Holiday Art Fun for Kids 5-16 yearsWinter School Holiday Art Fun for Kids 5-16 years

10jul(jul 10)8:50 am26mar(mar 26)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

10jul(jul 10)10:00 am19(jul 19)12:00 pmCreative Little Fingers July Holiday Art WorkshopsHoliday Workshops

17jul(jul 17)8:50 am02apr(apr 2)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

19jul(jul 19)10:30 am21(jul 21)2:30 pmWilde Creatures

21jul10:00 am2:00 pmLeap into Literacy Balmain Centre Open DayFree activities for kids and book sale! All proceeds donated to the Indigenous Literacy Foundation.

23jul(jul 23)10:30 am03sep(sep 3)12:30 pmSelf Care for CarersCaring for Carers

24jul(jul 24)8:50 am09apr(apr 9)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

24jul12:45 pm2:15 pmGamarada Montessori PlaygroupPlaygroup with Gold Coin donation at Marrickville West PRimary School

25jul(jul 25)6:30 pm27(jul 27)7:30 pmThe Tragedy of Hamlet: Prince of Skidmark, at Riverside TheatresA Badaptation of the Bard, by The Listies.

28jul(jul 28)9:00 am29(jul 29)4:00 pmGlenworth Valley's Horses Birthday FestivalYou're invited to join in two big days of family fun at beautiful Glenworth Valley.

28jul11:45 am1:15 pmAcroPals Free Acrobatics Open Days!Come trial our Acrobatics classes, with free fun and prizes for all!

28jul11:45 am1:15 pmFree Kids Acrobatics Launch Party in Marrickville!Come along to experience some Acro fun at Inner Space Yoga Marrickville!

29jul9:00 am6:00 pmAromatherapy Massage Rozelle above the Egg of the Universe

31jul(jul 31)8:50 am16apr(apr 16)10:30 amSt Patrick's Summer Hill PlaygroupAll children aged 0-5 years

31jul12:45 pm2:15 pmGamarada Montessori PlaygroupPlaygroup with Gold Coin donation at Marrickville West PRimary School

31jul3:45 pm5:15 pmAcroPals Launch Party Free Acro Open Day in MarrickvilleCome along and try out our Kids Acro Classes and have a whole lot of Acro Fun!

What's On, News & Offers!

Sign up to receive regular updates perfect for mums in the Inner West! Great offers and competitions from our business partners.

X
X