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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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Revealed: Which generation has the worst credit scores?

By Reporter

February 25 2019
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Revealed: Which generation has the worst credit scores?

By Reporter
February 25 2019

Credit scores are key to securing finance in Australia, particularly a mortgage. A recent dive in 14,000 credit reports revealed which generations are performing well and which are raising red flags.

Revealed: Which generation has the worst credit scores?

By Reporter

February 25 2019
Share

Credit scores are key to securing finance in Australia, particularly a mortgage. A recent dive in 14,000 credit reports revealed which generations are performing well and which are raising red flags.

Comparison site Finder found that Millennials have the worst credit score of any generation, with an average score of 666 out of a possible 1000.

According to Finder’s analysis, Baby Boomers have the highest of any generation with an average rating of 759.

Other research by Finder also showed 61 per cent of Australians don’t know their credit score. Of that 61 per cent, 13 per cent don’t know how to access it, and 6 per cent don’t know what credit score is.

Finder’s assessment of the findings is that Australians in their 30s will spend most of the decade “correcting the financial mistakes of their 20s”.

“Many Australians may be wondering how the banking royal commission will impact their ability to borrow. A good first step is to make sure your credit score is in good shape,” said Kate Browne of Finder.

“A poor credit score at 30 is particularly troubling as it could make it more difficult to take out a loan for a house, car or even a personal loan for a wedding.”

The outlook for 2019

After the banking regulator lifted its cap on interest-only lending in January, the mortgage broking community generally agreed that the market for finance would be easier to access in 2019.

However, in this post-royal commission environment, lenders are more stringent than usual with their checks and balances for each new loan applicant.

This was evidenced in , released this month, which showed total home loan commitments fell by 4.4 per cent in December, getting 2019 off to a soft start.

Click here for a breakdown of the spending and savings habits lenders will be scrutinising in 2019.

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