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Founder of Learn to Trade, Greg Secker’s investment journey began with him working in IT on a trading floor supporting the largest currency trader in London. With no real knowledge of finance and a $5000 gift from his mother, Greg entered the trading game and joins the Nestegg podcast to discuss his journey to success.

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Having previously joined the show to share how he is making a full-time income in only a few hours a week, Greg Morgan also joins host David Stratford to share how Learn to Trade set him on the path toward financial success, and why mindset and positivity is key to success as a trader.

The pair will explain why the current climate is the perfect time to be trading, explain the 5-2-1 rule and why it is so important, and reveal what the best investors are doing to cement their success.

You can keep up to date with what Learn to Trade are up to HERE

Have an investment story to share? Get in touch at [email protected] and you might get featured on the next episode.

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APRA eases residential mortgage lending rules

By Cameron Micallef · May 22 2019

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Borrow

APRA eases residential mortgage lending rules

By Cameron Micallef
May 22 2019

Reading:

APRA eases residential mortgage lending rules

By Cameron Micallef · May 22 2019

Reading:

Big changes are underway for your mortgage. The banking regulator is looking at measures that experts are tipping will make access to credit easier.

In a letter to authorised deposit-taking institutions (ADIs)- a bank or credit union- APRA is removing the guideline of using a minimum interest rate of at least 7 per cent.

Currently, if an investor is unable to pay back the loan at a mortgage rate of 7 per cent, they are not approved for the loan.

Under this new proposal, ADIs would be permitted to review and set their own minimum interest rate floor for use in serviceability assessments.

APRA Chair Wayne Bryes believes it the changes will provide greater flexibility to set their own serviceability floors.

“APRA introduced this guidance as part of a suite of measures designed to reinforce sound residential lending standards at a time of heightened risk,” he said.

“Although many of those risk factors remain – high house prices, low interest rates, high household debt, and subdued income growth – two more recent developments have led us to review the appropriateness of the interest rate floor,” said Mr Byres.

“With interest rates at record lows, and likely to remain at historically low levels for some time, the gap between the 7 per cent floor and actual rates paid has become quite wide in some cases – possibly unnecessarily so,” he said.

In its letter, ARPA has proposed a buffer of 2.5 per cent to ADIs meaning an investor would have 10 25 basis point rate rises before finding themselves in financial distress.

The guidelines are not new, with APRA first introducing them back in 2014 as part of its efforts to reinforce sound residential lending standards.

APRA is having a four-week consultation program that will finish on 18 June, ahead of APRA releasing its final version of the updated APG 223 shortly afterwards.

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About the author

Cameron Micallef

Cameron is a journalist for Momentum Media's nestegg. He enjoys giving Aussies practical financial tips and tricks to help grow their wealth and achieve financial independence. As a self-confessed finance nerd, Cameron enjoys chatting with industry experts and commentators to leveraging their insights to grow your portfolio.