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In this episode of the nestegg podcast, David Stratford has a chat with Aberdeen Standard Investments’ head of retirement and product strategy for Australia, Jason Nyilas to discuss all things retirement.

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Investors will learn the importance of financial advice in retirement, since the default pension options available don't always match up with personal expectations.

Jason also weighs in on whether the impending retirement income covenant goes far enough in supporting individual member needs.

Thanks, Jason, for sharing your insights with the nestegg podcast team!

You can keep up to date with what Jason is up to HERE.

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Wednesday, 16 October 2019

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Borrow

Fixed rate mortgages losing fans

By Cameron Micallef · August 23 2019

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Fixed rate mortgages losing fans

By Cameron Micallef · August 23 2019

Reading:

Investor expectations that the official cash rate will continue to fall is being cited as a reason for the lower demand for fixed rate home loan products.

According to recent home loan approval data from Mortgage Choice, demand for fixed rate home loans accounted for just 14 per cent of all home loans written.

“Despite some very attractive fixed rate home loan pricing, borrowers across the country are reluctant to fix,” according to Mortgage Choice chief executive Susan Mitchell.

“Demand for fixed rate loans is the lowest we’ve seen all year,” she said.

The statistics have revealed that Victorians are the least likely to lock in a rate, with just 7 per cent of investors choosing a fixed rate.

In contrast, NSW borrowers are the most likely to take advantage of the cheaper fixed conditions, with 19 per cent of new home loans being taken at a fixed rate.

For Ms Mitchell, despite borrower preference leaning towards variable rate loans recently, “there are still many reasons why it may be a good time for borrowers to fix part or all of their home loan”.

Particularly for investors, there are advantages that can be found in fixed rate mortgages.

“The certainty that comes from knowing exactly how much your home loan repayment will be each month brings peace of mind to many borrowers, especially first-time buyers who are adjusting to life with a home loan,” she said.

Regardless of the choice for fixed or variable, the CEO flagged the importance of borrowers checking whether they are able to get a better deal.

“My advice to borrowers who are considering switching their home loan would be to have their current loan reviewed by an experienced mortgage broker,” she offered.

“It won’t cost you to get a home loan health check, and you may learn that there are better deals on the market that could help you pay off your loan faster or reduce your repayments, for example,” she concluded.

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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.