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Self-managed super funds have seen a rapid increase in the last few years, with many people seeking transparent alternatives to traditional superannuation providers for their retirement planning.

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Chris Brycki founded the online investment adviser Stockspot to help people grow their wealth by providing access to low-cost, diversified portfolio opportunities. SMSFs are an attractive avenue for investors, however they require active attention to regulation and administration.

Chris joins host Grace Ormsby on this episode of the nestegg Podcast to share data that disproves common misconceptions around SMSFs, explain why simple investment solutions generally provide better results, and emphasise the importance of generating an investment strategy when setting up one’s own SMSF.

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

You can keep up to date with what Stockspot 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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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) "2019-12-10 05:07:04" ["slug"]=> string(41) "14271:debunking-common-myths-around-smsfs" ["catslug"]=> string(11) "302:podcast" ["link"]=> string(54) "/resources/podcast/debunking-common-myths-around-smsfs" ["image"]=> string(36) "images/podcasts/Chris_Brycki_web.jpg" ["image_alt"]=> string(12) "Chris Brycki" } }

Friday, 13 December 2019

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Borrow

Access to credit spikes as more banks change their loan conditions

By Grace Ormsby · July 17 2019

Reading:

Borrow

Access to credit spikes as more banks change their loan conditions

By Grace Ormsby
July 17 2019

Reading:

Access to credit spikes as more banks change their loan conditions

By Grace Ormsby · July 17 2019

Reading:

Two non-major banks have indicated that they are lowering their loan serviceability requirements, making a case for increased access to money lending.

Macquarie Bank and Suncorp have both announced a change to their loan serviceability assessments, with the announcements by the non-majors a roll-on effect of the Australian Prudential Regulation Authority’s decision to enable authorised deposit-taking institutions to set their own lending review standards.

It follows news from earlier this week that both ANZ and Westpac had lowered their rate floors for the consideration of customer lending.

Macquarie Bank announced that it had cut its interest rate floor to 5.3 per cent, where it previously sat at 7.25 per cent, with the effect of undercutting the serviceability rates of both ANZ (which now sits at 5.5 per cent) and Westpac (sitting at 5.75 per cent).

The non-major also increased its buffer in line with APRA’s new guidelines from 2.25 per cent to 2.5 per cent.

Suncorp also announced a change, which will see its serviceability rate sit comparably with ANZ, now offering a reduced interest rate floor for serviceability of 5.5 per cent.

A spokesperson from the bank, who noted an increased sensitivity buffer to 2.5 per cent, said “this change will deliver positive benefits for customers wanting to enter the property market”.

“As always, we encourage aspirational home owners to do their homework, ask questions of their broker or bank and have a clear understanding of what they can afford to repay each month.”

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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.