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In this episode of The nestegg Podcast, host Maja checks in with our three experts to discuss this week’s biggest conversations about super, property and investment.

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Steve Waters, director of Right Property Group, talks about the current market and its growth prospects, hinting at a “revenge spend” period post-lockdown. Could property prices really inflate by a further 20 per cent?

Meanwhile, RMIT’s senior lecturer of finance, Dr Angel Zhong, talks about the earning season and dividends, delving into how companies decide distribution policy. Find out what is happening in the recent dividend announcements.

Last but not least, tax and super guru Timothy Munro talks us through the results of APRA’s inaugural super test and how engaged members should really be with their super. Timothy also touches on the super splitting law and what it means for relationship breakdowns.

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

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Could property prices inflate by another 20%? What’s happening in recent divid...

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There is $17.5 billion in lost and unclaimed super across ...

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Surprise as home loans in arrears figures fall

By Francesca Krauke

April 24 2017
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Invest

Surprise as home loans in arrears figures fall

By Francesca Krauke
April 24 2017

The number of delinquent housing loans declined surprisingly in February, despite rising interest rates across the lending marketplace.

Surprise as home loans in arrears figures fall

By Francesca Krauke

April 24 2017
Share

The number of delinquent housing loans declined surprisingly in February, despite rising interest rates across the lending marketplace.

The report RMBS Arrears Statistics: Australia by S&P Global Ratings found that the number of delinquent housing loans underlying Australian prime residential mortgage-backed securities (RMBS) fell to 1.23 per cent in February from 1.29 per cent in January.

According to S&P, the results were surprising as it normally expects arrears to increase month-on-month in February, reflecting the seasonal effects of Christmas spending and summer holidays, and particularly at a time of rising interest rates.

“The month-on-month decline in arrears in February could mean that some of the rise in arrears in January was partly due to the timing of mortgage-rate increases; the weighted-average variable rate increased for a number of more recent transactions in January,” S&P explained.

“Mortgage-rate increases can create an initial spike in arrears when first applied, particularly if they are introduced when more borrowers are likely to be on holidays. This might account for part of the increase we observed in January.”

The report shows mortgages 31 to 60 days in arrears recorded the greatest improvement in February after recording the largest increase in January. The major banks recorded the largest decline in mortgages 31 to 60 days in arrears.

Further, outstanding loan balances originated by major banks make up more than half of total RMBS loans outstanding, and their arrears performance has a significant influence on the Standard & Poor Performance Index (SPIN) for Australian prime mortgages.

“Several lenders’ recently announced interest-rate increases will continue to take effect in coming months,” S&P said. “We expect this to put further pressure on the SPIN. The borrowers most vulnerable to interest-rate rises are those with higher loan-to-value (LTV) ratios and less favourable refinancing prospects, particularly borrowers with low-documentation and nonconforming loans.”

Arrears in February remained unchanged in Queensland at 1.65 per cent, and rose in the ACT to 0.81 per cent from 0.78 per cent in January and in Tasmania to 1.51 per cent from 1.47 per cent a month earlier. Arrears declined in all other states.

Loans in Victoria and NSW make up more than 54 per cent of the total loans outstanding that underlie Australian RMBS transactions, meaning that the arrears performance of the two states has a large influence on the SPIN. Both states recorded a month-on-month decline in arrears in February, despite a decline in total loan balances outstanding during the month.

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