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})(window,document,"script","//bat.bing.com/bat.js","uetq");</script><script data-rh="true" type="application/ld+json">{"@context":"http://schema.org","@type":"NewsArticle","author":{"@type":"Person","name":"Sue Williams"},"dateModified":"2024-11-12T18:00:00+00:00","datePublished":"2024-11-12T18:00:00+00:00","description":"Home buyers are showing fresh signs of eagerness to purchase, especially if they think any interest rate cut will push up prices.","headline":"‘Like going to a casino’: More home buyers turn to risky strategy","image":{"@type":"ImageObject","height":450,"url":"https://static.ffx.io/images/$zoom_0.1809%2C$multiply_0.7554%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/cb900795dcee6fa193350e8ddfc71f60a118acf4","width":800},"keywords":"","mainEntityOfPage":{"@id":"https://www.brisbanetimes.com.au/property/news/like-going-to-a-casino-more-home-buyers-turn-to-risky-strategy-20241112-p5kpup.html","@type":"WebPage"},"publisher":{"@type":"Organization","logo":{"@type":"ImageObject","height":"628","url":"https://www.brisbanetimes.com.au/brisbanetimes-2023.png","width":"1200"},"name":"Brisbane Times"},"isAccessibleForFree":false,"hasPart":{"@type":"WebPageElement","isAccessibleForFree":false,"cssSelector":".paywall"},"isPartOf":{"@type":["CreativeWork","Product"],"name":"Brisbane Times","productID":"brisbanetimes.com.au:webonly"}}</script><title data-rh="true">Low deposit home loans: More home buyers turn to risky 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title="Articles by Sue Williams">Sue Williams</a></span></span></h5><div class=""> <span class="_2xetH"><time class="_2_zR-" data-testid="datetime" dateTime="2024-11-13T04:00:00+10:00">November 13, 2024 — 4.00am</time></span></div></div></div><div class="_2CSKo noPrint"><div class="_1KqZ_"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_3-fU6">Save</span></button><div aria-hidden="true" class="_1lwFz uXbxr" id="saveTooltip" role="tooltip"><button>Log in</button>,<!-- --> <a data-testid="login-register" href="https://brisbanetimes.myfairfax.com.au/channel/7SMsQ6jjgIqPyo9XFzdzWg/members/signups/new?callback_uri=">register</a> <!-- -->or <a href="https://subscribe.brisbanetimes.com.au/?promote_channel=HI_HL_GNL">subscribe</a> <!-- -->to save articles for later.</div><div><div aria-hidden="true" class="_1lwFz WUf_a _1pHo1" id="onboardingTooltip" role="tooltip"><h3>Save articles for later</h3><p>Add articles to your saved list and come back to them any time.</p><button class="_2YSi8 _17BTN _3_hLE" data-ffx-event-action="cta click" data-ffx-event-category="save onboarding" data-ffx-event-label="got it - part 1" data-ffx-hittype="event">Got it</button></div></div></div><div class="_2Cn91"><div class="_2KkCz"><button class="_30X7v _2-NUy" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size normal" data-ffx-event-value="0" data-ffx-hittype="event">Normal text size</button><button class="_3Rq_0" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size large" data-ffx-event-value="0" data-ffx-hittype="event">Larger text size</button><button class="_3VkdU" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size extra large" data-ffx-event-value="0" data-ffx-hittype="event">Very large text size</button></div></div></div></div></section><section class="_1Rw6X" data-testid="article-body-top"><aside class="_2GZaf"><div class="vnWOX"><header><h2>Property listings</h2></header><div id="dg-recommended-listings"></div></div><div class="_1q-_I _3sCHz"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-160x600_300x250_300x600-pos2-desktop"></div></div></div></div></aside><div class="_1ysFk" data-testid="article-body"><div><div class="_5JLqO"><div class="_1Ld7U" id="beyondwords-player"></div><div class="_3Fhwk" data-testid="showPlayerOverlay"></div></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>The number of home buyers taking out steeper loans to finance mortgages on much smaller deposits has jumped in a sign of fresh eagerness to get into the property market.</p><p>Latest research shows that 9.2 per cent of new loans for owner-occupiers have a loan to valuation ratio (LVR) of 90 per cent or higher as of the June quarter, up from 6.1 per cent a year ago.</p><figure class="_3ujPS _3x3-4 RMwbY _2XZQH" data-testid="image"><div aria-label="enlarge image" class="_1lwW_" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.129%2C$multiply_0.9788%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/cb900795dcee6fa193350e8ddfc71f60a118acf4, https://static.ffx.io/images/$zoom_0.129%2C$multiply_1.9577%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/cb900795dcee6fa193350e8ddfc71f60a118acf4 2x" height="494" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.129%2C$multiply_1.0159%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/cb900795dcee6fa193350e8ddfc71f60a118acf4, https://static.ffx.io/images/$zoom_0.129%2C$multiply_2.0317%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/cb900795dcee6fa193350e8ddfc71f60a118acf4 2x" height="512" width="768"/><img alt="More home buyers have small deposits. " src="https://static.ffx.io/images/$zoom_0.129%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/cb900795dcee6fa193350e8ddfc71f60a118acf4" height="390" width="584" srcSet="https://static.ffx.io/images/$zoom_0.129%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/cb900795dcee6fa193350e8ddfc71f60a118acf4, https://static.ffx.io/images/$zoom_0.129%2C$multiply_1.545%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/cb900795dcee6fa193350e8ddfc71f60a118acf4 2x"/></picture></div><figcaption class="_3CZmy"><p><span class="_2Li3P">More home buyers have small deposits. </span><cite class="ojLwA"><span class="_30ROC">Credit: </span>Dion Georgopoulos</cite></p></figcaption></figure><p>Investors are also borrowing big, with 3.22 per cent of loans having the same LVR – up from 2.3 per cent over the same period.</p><p>“In the past, people used to wait until they’d saved enough to have a good deposit, but now they’re very keen to get into the market as soon as possible as they see rising values as a way to create wealth,” said Justin Doobov, managing director of mortgage brokers Intelligent Finance.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>“Also, a house worth $1 million today they know could be worth $1.3 million in three years’ time when they’ve saved enough, so they want to avoid missing out. Already, they’re being squeezed by rising property prices and the cost of living, so it’s not so easy to save up a decent deposit, either.”</p><p>The new data has been published by CoreLogic, using figures released by the Australian Prudential Regulation Authority (APRA). It shows that high LVR loans peaked in December 2020 then fell steadily until suddenly sharply rising in December 2023.</p><div class="_6ebFV noPrint"><div class="_15gOL AkZ3C"><iframe class="_16-Dw AkZ3C LntZY" data-testid="embed-iframe" frameBorder="0" height="157" data-src="https://datawrapper.dwcdn.net/2CEEe/1/" title="Embedded iFrame"></iframe></div></div><p>CoreLogic economist Kaytlin Ezzy says one of the main reasons LVRs are rising for both owner-occupiers and investors is that the serviceability of borrowing has shrunk as a result of the high-interest rate environment.</p><p>“Borrowing capacity has become more pinched, particularly at a time when asset prices are still rising,” she said. “House prices continue to set new records so finances have become incredibly tight for many people.”</p></div></div></div></section><div class="_1FVfK"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-728x90_970x250-pos99-desktop"></div></div></div></div><section class="vPaWe" data-testid="article-body-bottom"><div class="_1ysFk"><div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Owner-occupiers have also been increasingly taking up the federal government’s first home guarantee scheme, whereby an eligible buyer can secure a home with a deposit as small as 5 per cent without paying costly lenders mortgage insurance. Instead, up to 15 per cent of the housing cost is guaranteed by Housing Australia on behalf of the government.</p><div class="ymInT _3uJpn _3by58 noPrint"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div><p>“Investors are, in addition, being strongly motivated by the prospect of capital gains, so are weighing up the downside of raising only a small deposit and taking out a larger loan with the advantages of getting into the market earlier,” Ezzy said.</p><p>“A lot of people are trying to get in before interest rates might be lowered as then they expect an uplift in home prices as more people attempt to buy as a result.</p><p>“They’re pricing the prospect of a rate cut into their investing decisions. Potentially, maybe people are becoming more used to the high-interest rate environment, too, and they’ve had the benefit of the government tax cuts which has helped some to jump in.”</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Mortgage broker and founder of Two Red Shoes, Rebecca Jarrett-Dalton, says she believes the main reason high LVRs are rising are simply that banks now allow it, previously having been much more restrictive with conditions for granting mortgages.</p><p>“A number of the major banks are now permitting it, with the Commonwealth Bank allowing buyers to now borrow up to 95 per cent,” she said. “As well, the first home guarantee scheme has proved incredibly popular.</p><figure class="_3ujPS _3x3-4 RMwbY _2XZQH" data-testid="image"><div aria-label="enlarge image" class="_1lwW_" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.148%2C$multiply_0.9788%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e, https://static.ffx.io/images/$zoom_0.148%2C$multiply_1.9577%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e 2x" height="494" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.148%2C$multiply_1.0159%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e, https://static.ffx.io/images/$zoom_0.148%2C$multiply_2.0317%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e 2x" height="512" width="768"/><img alt="The rising cost of living has put savers under pressure." loading="lazy" src="https://static.ffx.io/images/$zoom_0.148%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e" height="390" width="584" srcSet="https://static.ffx.io/images/$zoom_0.148%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e, https://static.ffx.io/images/$zoom_0.148%2C$multiply_1.545%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e 2x"/></picture></div><figcaption class="_3CZmy"><p><span class="_2Li3P">The rising cost of living has put savers under pressure.</span><cite class="ojLwA"><span class="_30ROC">Credit: </span>Nikki Short</cite></p></figcaption></figure><p>“People are so keen to get a foot in the market that, even if they can’t afford to buy something suitable to live in, they’re buying an investment property instead with a high LVR. They’d rather be in the market, no matter what, than not.”</p><p>That wide range of first home buyer incentives is undoubtedly fuelling this trend, agrees Nerida Conisbee, Ray White chief economist, but bank competition may also be contributing.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>“It is likely that strong competition within the banking sector is another factor,” she said. “It’s encouraging them to lend to people with lower deposits, while higher prices may also play a role. Buyers may only be able to provide a low deposit to get into their suburb of choice.”</p><p>The problem for low-deposit buyers is that many are banking on prices continuing to rise, but a slowdown or fall in property prices risks creating a major difficulty.</p><p>“In some ways, it’s like going to a casino and expecting your number to always come up, and not realising that sometimes you can lose money in that game,” Doobov said.</p></div></div><div class="noPrint"><div></div><div></div></div><div class="CBSIP"><div class="_1GjZU" id="dg-membership"></div></div><div id="embedded-feedback"></div><div class="_22FRK _2spQv"><section class="aKWhn noPrint" id="endOfArticle"><div class="dLGbc"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span 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buyers are showing fresh signs of eagerness to purchase, especially if they think any interest rate cut will push up prices.\",\"allowComments\":true,\"body\":\"<p>The number of home buyers taking out steeper loans to finance mortgages on much smaller deposits has jumped in a sign of fresh eagerness to get into the property market.</p><p>Latest research shows that 9.2 per cent of new loans for owner-occupiers have a loan to valuation ratio (LVR) of 90 per cent or higher as of the June quarter, up from 6.1 per cent a year ago.</p><x-placeholder id=\\\"ebb9fbf1e153a2335415da81e6fdefa5c3ab0895\\\"></x-placeholder><p>Investors are also borrowing big, with 3.22 per cent of loans having the same LVR \\u2013 up from 2.3 per cent over the same period.</p><p>\\u201CIn the past, people used to wait until they\\u2019d saved enough to have a good deposit, but now they\\u2019re very keen to get into the market as soon as possible as they see rising values as a way to create wealth,\\u201D said Justin Doobov, managing director of mortgage brokers Intelligent Finance.</p><p>\\u201CAlso, a house worth $1 million today they know could be worth $1.3 million in three years\\u2019 time when they\\u2019ve saved enough, so they want to avoid missing out. Already, they\\u2019re being squeezed by rising property prices and the cost of living, so it\\u2019s not so easy to save up a decent deposit, either.\\u201D</p><p>The new data has been published by CoreLogic, using figures released by the Australian Prudential Regulation Authority (APRA). It shows that high LVR loans peaked in December 2020 then fell steadily until suddenly sharply rising in December 2023.</p><x-placeholder id=\\\"7058341b6286801d5bd50fd8e9c730907bbaaec4\\\"></x-placeholder><p>CoreLogic economist Kaytlin Ezzy says one of the main reasons LVRs are rising for both owner-occupiers and investors is that the serviceability of borrowing has shrunk as a result of the high-interest rate environment.</p><p>\\u201CBorrowing capacity has become more pinched, particularly at a time when asset prices are still rising,\\u201D she said. \\u201CHouse prices continue to set new records so finances have become incredibly tight for many people.\\u201D</p><p>Owner-occupiers have also been increasingly taking up the federal government\\u2019s first home guarantee scheme, whereby an eligible buyer can secure a home with a deposit as small as 5 per cent without paying costly lenders mortgage insurance. Instead, up to 15 per cent of the housing cost is guaranteed by Housing Australia on behalf of the government.</p><x-placeholder id=\\\"ca56eb2bf1bf7518a16aff8294b05e3db92749dd\\\"></x-placeholder><p>\\u201CInvestors are, in addition, being strongly motivated by the prospect of capital gains, so are weighing up the downside of raising only a small deposit and taking out a larger loan with the advantages of getting into the market earlier,\\u201D Ezzy said.</p><p>\\u201CA lot of people are trying to get in before interest rates might be lowered as then they expect an uplift in home prices as more people attempt to buy as a result.</p><p>\\u201CThey\\u2019re pricing the prospect of a rate cut into their investing decisions. Potentially, maybe people are becoming more used to the high-interest rate environment, too, and they\\u2019ve had the benefit of the government tax cuts which has helped some to jump in.\\u201D</p><p>Mortgage broker and founder of Two Red Shoes, Rebecca Jarrett-Dalton, says she believes the main reason high LVRs are rising are simply that banks now allow it, previously having been much more restrictive with conditions for granting mortgages.</p><p>\\u201CA number of the major banks are now permitting it, with the Commonwealth Bank allowing buyers to now borrow up to 95 per cent,\\u201D she said. \\u201CAs well, the first home guarantee scheme has proved incredibly popular.</p><x-placeholder id=\\\"e11744a05c5fd2fc64b53548d2fceb8bbe3af77b\\\"></x-placeholder><p>\\u201CPeople are so keen to get a foot in the market that, even if they can\\u2019t afford to buy something suitable to live in, they\\u2019re buying an investment property instead with a high LVR. They\\u2019d rather be in the market, no matter what, than not.\\u201D</p><p>That wide range of first home buyer incentives is undoubtedly fuelling this trend, agrees Nerida Conisbee, Ray White chief economist, but bank competition may also be contributing.</p><p>\\u201CIt is likely that strong competition within the banking sector is another factor,\\u201D she said. \\u201CIt\\u2019s encouraging them to lend to people with lower deposits, while higher prices may also play a role. 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