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🏡 Housing Finance Surges Across Australia: A Decade-High Trend Housing finance is booming across Australia, with most states seeing significant growth above decade averages. CommSec’s State of the States report shows WA leading with a 37.8% increase. FY2024 also recorded a 6% rise in new property-related loans, while investor loans surged by 30.2% year-on-year. The market is buzzing with activity, from first home buyers to investors. 📈🏠 #HousingFinance #PropertyMarket #InvestmentBoom #10xwealthgrow #perthgrowfinance #perthgrowfinance #devvisagie

🏘️ SRS supporter Lloyds Banking Group is calling for the UK to build 1 million more homes for social rent in its new white paper on the future of investment in social housing. Drawing on 12 months of engagement with stakeholders across the social housing sector, “Building Futures” sets out Lloyds' prospectus for action – a package of measures that will help deliver more social homes. It includes proposals for two new investment mechanisms that could generate up to 200,000 new homes for social rent over 10 years, alongside wider reforms to the social housing sector. Read "Building futures – a new era of investment in social housing" here and below: https://lnkd.in/etAAekiH David Willock, David Cleary, Chris Yau #UKHousing #SocialHousing #HousingFinance

🏴󠁧󠁢󠁳󠁣󠁴󠁿 The Open Market Shared Equity Scheme (OMSE) is back !!!! 🏴󠁧󠁢󠁳󠁣󠁴󠁿 Great news to hear that this scheme is returning 😊 🎉 Open to First Time Buyers and other priority groups (across Scotland) who are looking to purchase homes on the open market. This scheme is designed to help you to buy a home without having to fund it’s entire cost-you will get help from the Scottish Government 🤩 😯 You will contribute the majority, usually between 60% and 90% and the government will hold the remaining share under a shared equity agreement. 🌟 Key points 🌟 ➡️You will have complete title to the home and your name will be on the title deeds ➡️There will be a standard security on the home to make sure the Scottish Government share is protected ➡️If you choose to sell the home, the Scottish Government will get a share of the money ➡️Aimed at households with low to medium incomes ➡️you need to be able to show that you cannot afford to buy the home without the help of this scheme ➡️Different threshold prices across Scotland-the threshold prices are set by apartment size (number of habitable rooms) ➡️Your application will be assessed to see if you qualify and will be subject to approval If you are looking to discuss this in more detail or have an initial chat to see if it’s right for you-please get in touch 😊💖 📞07841362093 alaw@amandalaw-mortgages.com

The past few years have been challenging for housing finance, but housing providers have an opportunity to diversify their funding streams and access a market that has been largely untapped.   In a recent article for Social Housing Magazine, ABN AMRO UK’s Head of Real Estate Rutilio Merién and Bromford’s Director of Treasury, Imran Mubeen, look at how diversification of funding options in order to maintain competitive advantage without being held hostage to the drivers of any single investor market is key – and one potential area is in the European private placement market.   Read more here: https://lnkd.in/ebCAWEjX   #UKhousing #HousingFinance #HousingAssociations #ABNAMRO

As we continue to grapple with a national housing shortage, the pull back of funding from the major banks and traditional lenders is adding fuel to the fire. This has pushed the industry to look for alternatives for real estate financing, seeding the recent rise of non-bank lenders for real estate financing. In this context, commercial real estate (CRE) debt has an important role to play in the future of Australian real estate. For investors, it can also provide attractive, risk-adjusted returns and the opportunity to gain exposure to an asset class traditionally reserved for institutional investors and large-scale financial entities. Continue reading our latest blog 'The CRE Debt Market', to learn more this vast and varied market and how it can present opportunities for income-seeking investors. https://lnkd.in/gcsU6bEM Why zig when you can Zagga? #investsecurely #borrowsimply #credebt #investments #commercialrealestatedebt #cred #alternativeinvestments #realestateprivatecredit #privatecredit #housingcrisis #housingshortage #houseprices #rentalyields #supplydemand #projectfinance #nonbanklender #privatelender #investmentmanager #tier2lender #relationshiptrustpartnership #diversification #assetallocation

Bank of England has cut the base rate by 25bps to 5%, the first fall since March 2020. With inflation still a challenge, consecutive cuts going forward should not be expected. The Chancellor has announced a £22bn hole in the UK’s finances. Measures to fill this gap include the stopping pensioner winter fuel payments, the removal of the cap on social care for the elderly and cancelling several infrastructure projects. Cushman & Wakefield reports that European real estate values rose for the second consecutive quarter across all sectors. M&G Real Estate is buying the 50% stake it doesn’t own in The Mall at Cribbs Causeway for c. £100m from creditors of Intu. BNP Paribas Real Estate reports that A total £11bn of UK commercial real estate investments changed hands in Q2 (+8% year on year), bringing the H1 2024 total to more than £22bn. Crosstree Real Estate Partners LLP has acquired a £150m GDV 431-bed PBSA development in Tottenham Hale. Related Argent has secured an £85m refinancing for its debut BTR development, Author King’s Cross, from NatWest Group. The government has launched its consultation on the National Planning Policy Framework to reintroduce housing targets and green belt land release. Watkin Jones Group has agreed the forward sale of a 397-bedroom PBSA scheme in Stratford, London, to social impact investor Housing Growth Partnership. Platform_ has bought its first site in Bristol, where it plans to develop a 300-unit BTR scheme. The budget for this year's renewable energy auction will be increased to £1.5bn, up from £1bn last year. Much of the funding will support offshore wind power, which the government wants to quadruple by 2030. While broadly welcomed by the renewables industry, the target remains extremely challenging. Mark Charlton – Real Estate Research Consultant at Waypoint #waypointAM #RealEstate #Marketing #ESG #BTR #PBSA #Finance #CapitalMarkets

Exciting developments in the housing sector! Just yesterday, I emphasized the need for bankers to innovate in lending but seems government is much ahead & working to make housing for all come true. In today’s, economic times, there is a a article where government is firming up for zero collateral housing loan scheme till 20 lakhs with minimal supporting documents. This will be backed by credit risk guarantee fund scheme however till default up to 70%. Credit assessment will be done digitally by examining timely utilities payment like electricity, municipal tax, salaries & EPF paid rather than ITR & other collateral. This will be master stroke if implemented as it will have positive cascading effect overall like, it will.. • Boost to Affordable Housing: This initiative will significantly enhance the affordable housing sector, driving growth in real estate. • Easier Lending for Bankers: With 70% of exposure backed by guarantees, bankers can lend more confidently. • High Demand Potential: The targeted segment is highly under-penetrated and serves the masses, ensuring strong demand. Kudos to the government for thinking in such direction that pave the way for housing for all! Pic Credit - The Economic Times #AffordableHousing #RealEstate #housingforall

Listen up for one of the safest and in my opinion the best way to create a truly passive income stream in 2024 📢 Rent to Social Housing is one of the safest investments out there in the current climate. The Affordable Homes Budget has already been allocated until 2026 and the terms agreed. we use fixed term Fri leases and the contracts are held bar solicitors for the full duration. if you're looking to make your money work harder for you instead of dwindling away in the bank, get in touch now and see what deals we have available. #passiveincome #ukproperty #wealth

Client Win Storytime 📖🥰 Buying a property within a self managed super fund (SMSF) is not as easy as one assumes... 🙈 There are lender requirements to be met, rental yield parameters to ensure taxation benefits are accessed, and admin that is specific to Trust purchases 🧩 Our goal at K&M was to acquire the best asset class for our client’s capital growth needs, whilst also ensuring a high enough rental yield to run neutrally geared. This task may sound simple but piecing together all the pieces of the puzzle and finding this purchase in a home – and not a unit or townhouse – is like finding a needle in a haystack ‼️ We found that unicorn property off-market and purchased under market value. Winning for our client! 🏡🔑 #clientdiaries #justbought #buyersagent #buyersadvocate #kittyandmiles #superannuation #wealthcreation

Major lenders are set to establish a government-backed scheme to help fund retrofit, in a bid to find a way to finance costly improvement work. Discussing the best investment options in 2024 at a panel on 9 September along with Mr Cleary, Priya Nair, chief executive of THFC, said retrofit funding is “where the creativity has to come in”. Options include finding “the mechanism to make the cost of capital cheaper, because there isn’t this income stream or cash flow return” or “financing with returns-based incentives or results-based outcomes, such that the cost of capital can be reduced”, Ms Nair said. https://lnkd.in/ee3VZtZq