{"id":6897,"date":"2016-01-29T12:00:48","date_gmt":"2016-01-29T01:00:48","guid":{"rendered":"http:\/\/realestatetalk.com.au\/?p=6897"},"modified":"2016-01-29T12:00:48","modified_gmt":"2016-01-29T01:00:48","slug":"2016-will-be-different-to-2015-graeme-salt","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/2016-will-be-different-to-2015-graeme-salt\/","title":{"rendered":"2016 will be different to 2015 – Graeme Salt"},"content":{"rendered":"

For property investors, 2015 has been marked by the Australian Prudential Regulatory Authority (APRA) forcing banks to become more cautious on lending on residential investment properties.\u00a0<\/strong><\/p>\n

by\u00a0Graeme Salt – National Client Finance Manager – Chan & Naylor Australia Finance<\/h5>\n

 
\nFor markets such as Sydney and Melbourne, this is probably drawing this growth period to a halt.\u00a0However, there is one investment sector where the banks are making it easier to borrow money.\u00a0Commercial property does not get the media attention that residential property enjoys, yet it is very much the centre of the banks\u2019 growth focus.
\nThe graph below shows how residential investment lending has enjoyed a rapid growth, but is now tapering off.\u00a0 It also shows that business lending has and continues to enjoy a growth phase.
\n\"Screenshot<\/a>
\nCommercial lending is more sophisticated than residential lending, which means that the lending teams are more comfortable with sophisticated structures. Good brokers have access to business bankers with whom they can arrange loans \u2013 something that someone cannot do by just walking into their local branch.
\nAnd because commercial lending is more sophisticated than residential lending, the banks are more comfortable lending to companies, trusts and PITs.\u00ae
\nThe C&N Finance team are adept at arranging finance on a number of commercial properties. They have included (amongst others);
\n\u2022\u00a0\u00a0 \u00a0Offices
\n\u2022\u00a0\u00a0 \u00a0Shops
\n\u2022\u00a0\u00a0 \u00a0Warehouses
\n\u2022\u00a0\u00a0 \u00a0Factories
\n\u2022\u00a0\u00a0 \u00a0Car parks
\n\u2022\u00a0\u00a0 \u00a0Restaurants
\n\u2022\u00a0\u00a0 \u00a0Gyms
\n\u2022\u00a0\u00a0 \u00a0Petrol stations
\n\u2022\u00a0\u00a0 \u00a0Medical premises
\nBecause the banks are being more aggressive in this space, rates are also more competitive. In 2010, commercial lending rates were around two per cent higher than residential rates \u2013 now they are almost the same.
\nAs the economy continues to adapt to the wind down of the mining sector, the government is looking to stimulate other sectors of the economy. As a result, finance for commercial investing will be relatively easy for some time.
\n 
\n 
\nDisclaimer:\u00a0<\/b>
\n<\/b>This article contains general information. Before you make any financial or investment decision you should seek professional advice to take into account your individual objectives, financial situation and individual needs.<\/em>
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

For property investors, 2015 has been marked by the Australian Prudential Regulatory Authority (APRA) forcing banks to become more cautious on lending on residential investment properties.\u00a0 by\u00a0Graeme Salt – National Client Finance Manager – Chan & Naylor Australia Finance   For markets such as Sydney…<\/p>\n","protected":false},"author":176692471,"featured_media":6444,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[10,13,17,27],"tags":[101],"class_list":["post-6897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kevin-turner-sponsored-channels","category-latest-story","category-property-investment","category-trends-topic","tag-podcast"],"yoast_head":"\n2016 will be different to 2015 - Graeme Salt - 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\/2016-will-be-different-to-2015-graeme-salt\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2016 will be different to 2015 - 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