{"id":21192,"date":"2018-05-23T01:00:18","date_gmt":"2018-05-22T15:00:18","guid":{"rendered":"https:\/\/realestatetalk.com.au\/?p=21192"},"modified":"2018-05-23T01:00:18","modified_gmt":"2018-05-22T15:00:18","slug":"owner-occupiers-see-opportunity-siobhan-hayden","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/owner-occupiers-see-opportunity-siobhan-hayden\/","title":{"rendered":"Owner occupiers see opportunity \u2013 Siobhan Hayden"},"content":{"rendered":"

There has been a lift in the value of owner-occupied dwellings.\u00a0 It\u2019s increased slightly month on month.\u00a0\u00a0 Is it a reflection of maybe a drop-off in investor borrowing? Siobhan Hayden<\/strong>, the COO for HashChing is here to talk about that.<\/p>\n

Transcript:<\/strong><\/p>\n

Kevin:\u00a0\u00a0<\/strong>Some good news: there has been a lift in the value of owner-occupied dwellings. It\u2019s increased slightly month on month. Joining me to talk about this and the impact of that is Siobhan Hayden, who is the COO for HashChing.<\/p>\n

Siobhan, not a real surprise here, but is it a reflection of maybe a drop-off in investor borrowing?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>Yes, definitely. The first-home owner activity, we\u2019ve been seeing a gradual increase, particularly in New South Wales and Victoria, since the changes to stamp duty provisions in July last year. And of course, the macroprudential measures to curb investment lending and interest-only features, etc. has seen that decline. So yes, we\u2019re seeing a complementary balance point.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>Are we seeing a few people move away from the big four banks?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>We\u2019re definitely seeing that in HashChing, particularly off the back end of some of the press articles last year around some of the cultural points of banks\u2019 behavior. I think people are realizing that their commitment to a particular brand as an individual is not really paying them dividends. What would you call it? Their bank loyalty doesn\u2019t seem to pay any returns these days.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>We\u2019re seeing a softening in house prices as well. It\u2019s led to increased home loan activity for owner-occupiers and investors.<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>For first-home owners, absolutely. That\u2019s what we\u2019re seeing, definitely. We did a survey in February of 780 home loan repayers \u2013 58% of them were first time owners \u2013 and found some different trends, particularly their concern around the value of homes and seeing that shift and change in New South Wales and Victoria, but also around the challenge of actually getting the loan and finding the right deal, which doesn\u2019t surprise us. There\u2019s so much on the Internet about property prices and deals, it\u2019s all very confusing.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>Siobhan, just before we leave this topic, what did you learn about stress in your survey?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>We identified that a large proportion of people are quite stressed currently, even though we have historically low interest rates, which is quite concerning. All economic indicators suggest that the cash rate won\u2019t increase until probably early 2019. However, if people are already making sacrifices \u2013 which is what we found \u2013 to make sure that they can make their mortgage repayments, obviously any movement\u2026 We found that nearly 18%, even a $50 to $59 per week increase would be considered unaffordable.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>Wow, that\u2019s very marginal, isn\u2019t it?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>It is.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>Is that a reflection on the banks not doing their due diligence and maybe protecting the borrower more?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>We also found \u2013 which is obviously a normal correlation \u2013 the higher the interest rate currently being paid by a mortgage repayer, the more likely they are to obviously be contributing more of their income, which makes perfect sense. But we also found it\u2019s very common for male applicants to take a secondary income stream through the shared economy \u2013 like Uber driving or such things or Airbnb \u2013 to income to complement their income to pay their mortgage.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>Nothing wrong with that, but nothing worse than having to be in a situation where you have to do that. What would be your advice to borrowers in terms of trying to anticipate what they may be able to afford in the future?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>I think it\u2019s interesting that people aren\u2019t across the current rate and aren\u2019t passionate about making sure that they have a competitive rate. If you have a loan for a long period of time \u2013 25 or 30 years \u2013 there\u2019s no point paying 1% interest higher than you need to be for that period. That\u2019s a huge cost to you as a family.<\/p>\n

So, making sure that you know where you\u2019re at\u2026 Whether you need to change is another story, but knowing your position is absolutely paramount.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>Yes. With things like comparison rates, that\u2019s fairly easy. It used to be really complicated and difficult to make that change, but that\u2019s no longer the case, is it?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>It\u2019s not. Whether you would think to go into your local branch or whether you think to talk to a mortgage broker \u2013 which nearly 60% of consumers do today \u2013 everyone tends to start on the Internet, and I think that that\u2019s where things get very confusing.<\/p>\n

There\u2019s lots of information, it\u2019s not always clear, some rates are discounted, some rates are not, some are introducer models \u2013 which do little to no inquiry into your financial position \u2013 so consumers are a bit overwhelmed, I think, and our survey definitely found that they find the paperwork particularly very challenging, and finding the right deal extraordinary challenging.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>Almost threatening to think that you\u2019re going to change your bank, because people still have a fear of banks, don\u2019t they? That they wield this big stick, and \u201cI just don\u2019t want to upset my bank.\u201d<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>Definitely. We\u2019ve had customers through HashChing particularly who have gone to their bank, asked to have their loan reviewed and their interest rate reconsidered, particularly when they see advertising from their own bank for new loans at a cheaper rate \u2013 which is obviously very confusing for consumers \u2013 and they\u2019ve not been able to get any joy from that experience.<\/p>\n

So, definitely having a partner working with you that is across multiple lenders is definitely the way to go, and that\u2019s obviously the mortgage broking proposition.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>I know this is probably a rhetorical question, but in the event that you were to go to a broker and you did have your best deal, you\u2019d hope that your broker would tell you that\u2019s the case.<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>Definitely. And the broker has to work in the best interests of their client. There\u2019s a lot of understood work to get a loan. You do have to put your financial position together. No one wants to go through that process if they\u2019re not going to get a better outcome at the end of the day.<\/p>\n

So, understanding that there are a number of points of information \u2013 your income, your expenses \u2013 all of those things need to be considered and reviewed, and then you can be provided with a more accurate view of what interest rate is possible.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>If you\u2019ve been fired up and you want to have a look into this, the best place to go is HashChing, and you\u2019ll get all the details there.<\/p>\n

Siobhan Hayden from HashChing. Thanks for your time, Siobhan.<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>No worries. Have a great day.<\/p>\n","protected":false},"excerpt":{"rendered":"

There has been a lift in the value of owner-occupied dwellings.\u00a0 It\u2019s increased slightly month on month.\u00a0\u00a0 Is it a reflection of maybe a drop-off in investor borrowing? Siobhan Hayden, the COO for HashChing is here to talk about that. Transcript: Kevin:\u00a0\u00a0Some good news: there…<\/p>\n","protected":false},"author":176692473,"featured_media":21325,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[34,10,11,13,36,22,25,27],"tags":[101],"class_list":["post-21192","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-topic","category-kevin-turner-sponsored-channels","category-kevin-update","category-latest-story","category-property-investment-topic","category-research-topic","category-sponsored-channels","category-trends-topic","tag-podcast"],"yoast_head":"\nOwner occupiers see opportunity \u2013 Siobhan Hayden - Realty Talk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/channels.realty.com.au\/realtytalk\/owner-occupiers-see-opportunity-siobhan-hayden\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Owner occupiers see opportunity \u2013 Siobhan Hayden - Realty Talk\" \/>\n<meta property=\"og:description\" content=\"There has been a lift in the value of owner-occupied dwellings.\u00a0 It\u2019s increased slightly month on month.\u00a0\u00a0 Is it a reflection of maybe a drop-off in investor borrowing? 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