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Con Orfanos Home Loans

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2014 - Year of Consolidation

Posted on February 20, 2014 at 9:50 PM

Hello and Happy New Year to all of you.  With 2014 well and truly under way I thought it was an opportune time to give my views on the South Australian opportunities in I see for 2014.  Rather than a full on story I will bullet point my views.


  1. The property market has shown some property value increases, being it very small and for houses more than units.
  2. It is still a buyers market, so hang on to those properties and only sell if it is a necessity.   
  3. 2014 will still see opportunities to buy at great negotiated prices.  Our house prices are still well below the other states which tells me in South Australia the opportunity for growth is greater looking at the next 10 years.  For first time investors its a good time to buy your first investment property or upgrade your current home, and keep your current home as an investment.
  4. Interest rates look like staying low, at least until the end of 2014.  The Reserve Bank has indicated the cash rate is expected to remain unchanged for the majority of 2014.  With some fantastic fixed and variable rate loans available, and lenders wanting your business make sure your home/investment home loans are working for you.   
  5. If you have spare cash or equity in property find out in 2014 how to use it effectively.  If you don't know what you've got, or what you can do with the property you currently have, ASK.  Send us a contact email with your enquiry and we will lead you in the right direction.
  6. Make sure in 2014 you understand your finances.  You need to understand how your home loan works, what flexibility it gives you, which debts are bad debts and how to get rid of them.  It is never too late to get your finances back on track.  


From a COHL point of view, 2014 has taken off where the second half of 2013 left off.  We have seen a very positive outlook, with many development loans, a growth in purchases, confidence in investing in rental property, a move to re-structure loans to maximise investment loan effectiveness, and  a restructuring of owner occupied loans for maximum principal reduction.  


Please feel free to contact us or just add to this blog with your views and information.  


Best Regards,

Con Orfanos Principal (Dip FMBM)


 


 


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