{"id":21517,"date":"2018-06-20T01:00:59","date_gmt":"2018-06-19T15:00:59","guid":{"rendered":"https:\/\/realestatetalk.com.au\/?p=21517"},"modified":"2018-06-20T01:00:59","modified_gmt":"2018-06-19T15:00:59","slug":"borrowers-wise-up-to-the-banks-siobhan-hayden","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/borrowers-wise-up-to-the-banks-siobhan-hayden\/","title":{"rendered":"Borrowers wise up to the banks \u2013 Siobhan Hayden"},"content":{"rendered":"

One result from the Royal Commission into the banking sector, that no one saw coming, is the level of independence from consumers to shop around understanding that the loyalty they held toward their bank is not being returned.\u00a0 Siobhan Hayden<\/strong> from HashChing has more on that development.<\/p>\n

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

Kevin:\u00a0\u00a0<\/strong>With so much talk about what\u2019s happened through the Royal Commission with the banks, many people are wondering how they can go about getting a better home loan. What\u2019s their relationship with the bank? What\u2019s it going to be like going forward? Joining me to talk about this is Siobhan Hayden. Siobhan is the CEO of HashChing.<\/p>\n

Siobhan, thanks again for your time.<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>Thanks for having me, Kevin. Nice to chat.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>There have been some revelations coming out of the Royal Commission, haven\u2019t there? People are very concerned about what the banks have done.<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>Definitely. I suppose it\u2019s quite disappointing to see such large institutions that people have traditionally put a lot of trust in really breaking that trust.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>Do you think that\u2019s irreparable, or is it going to drive more people to not be as loyal to their bank? Because there has been a lot of loyalty in the past.<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>I think you definitely have the traditional view of loyalty to big banks, but that is costing people a lot of money. That loyalty is sometimes misplaced. And I think we\u2019re also seeing an emergence in the last five to ten years \u2013 with the advent of social media and phones and consumers\u2019 voices \u2013 that consumers do put themselves at the middle of a transaction far more than we ever did, and we care more about how we\u2019re treated and what services were offered.<\/p>\n

So, I think we\u2019re getting more and more groundswell of consumers wanting to get a better outcome for themselves and think that they should be able to do that.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>Is it driving change? Are there more people who are actually getting proactive about shopping around for a better loan?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>We\u2019re definitely seeing it. The cash rate, as you know, in August of 2016 was sitting at 1.5%. It hasn\u2019t changed in that time, but what customers have been seeing is basically out-of-term rate hikes on their existing variable rates, whereas new customers are being offered enticing interest rates to come and join the bank.<\/p>\n

So, we\u2019re seeing a trend, particularly with customers\u2026 Over 25% of our customers are on rates less than 3.7%. Whereas a year ago, 4% was enticing, now it\u2019s getting even better.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>It\u2019s an interesting view that because the rate hasn\u2019t changed from the RBA, most people think \u201cOh, the rate that I have now is probably the best rate I can get,\u201d when in fact, as you just said, many of the banks are offering much better rates to newer customers.<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>That\u2019s right. Look, there are two real options: customers can get on the phone and talk to their bank, and I would recommend they do that. Not always do we have the right terminology to demonstrate we\u2019re quite committed to changing banks, so if you can\u2019t talk to your broker to negotiate a better rate, or of course, look at the option of refinancing.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>What sort of language should you use with the bank when you\u2019re talking to them?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>Definitely talking about what rates are available in the market \u2013 so, you need to know what other options are there \u2013 that you\u2019ve been offered a great rate already by an alternative bank, and that you\u2019re willing to move today or tomorrow if you don\u2019t get some relief on the current existing rate that you\u2019re repaying.<\/p>\n

Asking for a mortgage discharge form is always a good way to say that you\u2019re willing and prepared to move.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>What\u2019s a mortgage discharge form?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>It\u2019s a form to say that you\u2019d like to discharge your mortgage to obviously refinance a move to a new bank.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>That would be a trigger for them, then they\u2019d want to know where you\u2019re going and what you\u2019re doing?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>Yes, and they would also be aware that you\u2019ve spoken to another bank that has asked you to get a mortgage discharge form for you to then move to them.<\/p>\n

So, I think you need to be a bit fore-armed. We look at our health plan every 12 months; I think looking at your home loan rate every 24 months makes good sense. It doesn\u2019t mean you need to do anything or move or refinance, but it does mean you know you\u2019re in a good position.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>For those uncomfortable with being that confrontational with the bank\u2013 and there would be many people like that \u2013 the alternative is a broker, HashChing as an example.<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>We\u2019re an absolute broker advocate, and brokers are supporting customers nearly 60% of the time around Australia with new residential lending. So, definitely partner with a broker.<\/p>\n

Obviously, we have great broker partners at HashChing, both rated and reviewed, so customers can definitely come to us and find a local broker in their area.<\/p>\n

But definitely get the professional to lift a phone and do that work for you.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>Tell me how HashChing works.<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>HashChing allows customers to come to our site. They can look at the options on deals that we have, which are all broker-introduced home loan deals. And once they\u2019ve added their basic information and their mobile number and what they\u2019re looking to do, we instantly partner them with a local broker in their area that they can then have personalized service to complete the transaction.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>As I said, for those who are uncomfortable and want to stay at that arm\u2019s length, if they were to do that, is that going to affect their credit rating?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>No. The broker working with you will first look at your financial aspirations and goals, work out where you\u2019re at currently with your income, expenses, and your current repayments, and then ensure that you are moving to something that will make it a better outcome for you and your family.<\/p>\n

It doesn\u2019t necessarily mean you\u2019re going to refinance, but it does mean that you\u2019ll get a bit of a mental health check that you\u2019re actually in a good position.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>Because if I were to shop around and maybe go to one of the other banks, the moment I make an application or an inquiry with them, that is recorded on my credit file, isn\u2019t it?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>It definitely is if you make a formal application. A number of ours are actually committed to doing the research firstly. So, you need to know before you make the application that you are moving to something that will be better for you and your family financially down the track.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>That is very much why so many people are now using brokers, because you don\u2019t have to make that commitment there across all those home loans and can give you that advantage, can\u2019t they?<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>Absolutely. It\u2019s not uncommon to see a customer who comes to HashChing and says \u201cMy bank said I couldn\u2019t borrow.\u201d So, they think because one bank has said no, every bank will say no. That\u2019s completely not correct.<\/p>\n

And brokers are well positioned across nearly 30 different lenders to provide a good review of the market and what is actually possible for that particular customer.<\/p>\n

Kevin:\u00a0\u00a0<\/strong>Yes. HashChing, we\u2019ll put a link inside this interview so that you can get to them. Siobhan Hayden is the CEO for HashChing. She\u2019s been my guest.<\/p>\n

Siobhan, thanks very much for your time.<\/p>\n

Siobhan:\u00a0\u00a0<\/strong>Thanks for having me, Kevin. Have a great day.<\/p>\n","protected":false},"excerpt":{"rendered":"

One result from the Royal Commission into the banking sector, that no one saw coming, is the level of independence from consumers to shop around understanding that the loyalty they held toward their bank is not being returned.\u00a0 Siobhan Hayden from HashChing has more on…<\/p>\n","protected":false},"author":176692473,"featured_media":21505,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[32,34,10,11,13,36,25],"tags":[101],"class_list":["post-21517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-property-topic","category-finance-topic","category-kevin-turner-sponsored-channels","category-kevin-update","category-latest-story","category-property-investment-topic","category-sponsored-channels","tag-podcast"],"yoast_head":"\nBorrowers wise up to the banks \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\/borrowers-wise-up-to-the-banks-siobhan-hayden\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Borrowers wise up to the banks \u2013 Siobhan Hayden - 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