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On this episode of The nestegg Podcast, host Maja Garaca Djurdjevic and three experts discuss the latest in equities, property investing and super.

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Steve Waters, director of Right Property Group, chats about the latest in property, including the much-talked-about use of macro-prudential measures to cool the rapidly expanding market.

RMIT’s senior lecturer of finance, Dr Angel Zhong, talks about soaring ETFs, what they are and why young investors, in particular, are jumping onboard their latest surge. Dr Zhong also takes a closer look at BNPL platforms.

And lastly, tax and super guru Timothy Munro gives his thoughts on Prime Minister Scott Morrison’s choice to backtrack on any further SG changes and looks at the impending end of the low and middle income tax offset.

Have a question for our experts? Get in touch at [email protected] and you might get featured on the next episode.

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["page_heading"]=> string(66) "Borrow Money - Your Guide to Loans and Credit Management | nestegg" ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2021-04-20 07:06:30" ["slug"]=> string(120) "16662:is-the-market-overheating-should-etfs-take-your-fancy-and-what-s-happening-to-the-low-and-middle-income-tax-offset" ["catslug"]=> string(11) "302:podcast" ["link"]=> string(133) "/resources/podcast/is-the-market-overheating-should-etfs-take-your-fancy-and-what-s-happening-to-the-low-and-middle-income-tax-offset" ["image"]=> string(58) "images/podcasts/Angel_Zhong_Steve_Waters_Timothy_Munro.jpg" ["image_alt"]=> string(0) "" } }

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Borrow

Is 2020 the year you break up with your bank?

By Grace Ormsby

January 28 2020
Share

Borrow

Is 2020 the year you break up with your bank?

By Grace Ormsby
January 28 2020

With heavy discounting now available in the mortgage world, long gone are the days where home owners would take out a loan and stick with that lender for life, a mortgage broker has highlighted.

Is 2020 the year you break up with your bank?

By Grace Ormsby

January 28 2020
Share

With heavy discounting now available in the mortgage world, long gone are the days where home owners would take out a loan and stick with that lender for life, a mortgage broker has highlighted.

Rebecca Jarrett-Dalton, the founder of Two Red Shoes, has predicted 2020 to be the year for refinancing.

Her reasoning? Customers as now expecting more from their lenders in return for their business.

“The lenders who can’t offer the most competitive rate will find themselves quickly broken up with as the act of refinancing becomes a more acceptable means to secure the best deal in town,” she said.

The mortgage broker noted there are a number of “savvy savers” now in the market who are seizing the opportunity they have opened up for themselves through securing a “new, shiny low rate” but making the same repayments as they were originally.

“This is getting these guys ahead by allowing them to build a buffer in an offset account or chipping directly away at the principal,” she flagged.

“It isn’t hard to see why” a number of mortgagors are looking at refinancing, according to the broker.

“The current discounts being offered, particularly on fixed loan rates, are massive!” she exclaimed, highlighting how there are five-year fixed loan rates on offer for as low as 2.7 per cent.

With customers “all over it and locking themselves in”, Ms Jarrett-Dalton said: “The major banks are definitely the ones who are feeling the brunt of customers taking the opportunity to jump ship and find themselves a better deal.

“Small lenders are capitalising on this by staying competitive and flexible.”

She also said these small players “are also quite happy to sit back and watch the big banks come under scrutiny from the media and watch consumers become more and more agitated with the majors”.

“These guys know that while their presence might be limited, they will fight for your business and try to stay relevant in today’s culture by adapting to models such as sustainable lending,” the broker concluded.

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About the author

Grace Ormsby

Grace is a journalist on Momentum Media's nestegg. She enjoys being able to provide easy to digest information and practical tips for Australians with regard to their wealth, as well as having a platform on which to engage leading experts and commentators and leverage their insight.

About the author

Grace Ormsby

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