{"id":15960,"date":"2023-05-25T16:43:32","date_gmt":"2023-05-25T05:13:32","guid":{"rendered":"http:\/\/quantiphy.com.au\/oldbackup\/?p=15960"},"modified":"2023-05-25T16:43:32","modified_gmt":"2023-05-25T05:13:32","slug":"lowering-the-stress-test-for-all-refinancers","status":"publish","type":"post","link":"https:\/\/quantiphy.com.au\/oldbackup\/lowering-the-stress-test-for-all-refinancers\/","title":{"rendered":"Lowering the stress test for all refinancers"},"content":{"rendered":"<p>Forget having to visit the doctor to test if your heart can endure high stress\u2014just order a coffee and croissant in a Sydney caf\u00e9 and take note of the total. With the cost-of-living skyrocketing, inflation at 7%, and rates rising 3.75% in a year, Australians are undergoing stress tests every day, with seemingly no relief in sight. <\/p>\n<p>This week, however, The Westpac Group threw borrowers a lifeline by lowering the stress test on select finance applications. For borrowers trapped in mortgage prison, the news couldn\u2019t come sooner. As of Monday, as an \u2018exception\u2019, select refinancers who flunk Westpac\u2019s standard serviceability test (AKA mortgage stress test) can now retake the test under a \u201cmodified Serviceability Assessment Rate\u201d, so long as it\u2019s above the bank\u2019s floor rate.<\/p>\n<p>Much like supermarkets testing customers to see if they can afford a $5 avocado, banks apply pressure to a borrower\u2019s finances to ensure they can still afford their mortgage repayments if rates were to rise by 3 percentage points above the rate they are applying for, even if the application is a refinance. This means that because they don\u2019t pass the new bank\u2019s serviceability test at higher rates, some borrowers can\u2019t refinance to a cheaper lender. AKA, trapped in mortgage prison. <\/p>\n<p>Usually, these mortgage prisoners are the borrowers most likely to need rate relief to keep their heads above water\u2014households that borrowed at or near capacity when rates were at record lows and the APRA stress test was at 2.5%.<br \/>\nDubbed \u201cStreamlined Refinance\u201d, the new Westpac scheme, of course, does have its own conditions. Applying borrowers must be refinancing to a loan that has lower monthly repayments than their existing one (which, you would hope, would always be the case), and a credit score of over 650 is needed to be eligible.<br \/>\nCurrently, testing to a buffer of 3 percentage points has the safety of both the borrower and the bank in mind to ensure the borrower doesn\u2019t take out more than they can put back. Thanks to 2008, we\u2019ve all seen what lax lending standards \/ taking out excessive debts beyond one\u2019s income can do to an economy (spoiler alert: GFC). <\/p>\n<p>Despite mortgage prisoners having the ability to negotiate with their current lender for rate cuts, refinancing to a lower cost lender on a new customer rate often reaps the biggest rewards.<br \/>\nWhile there\u2019d be a lot to iron out if Australia\u2019s banking regulator, APRA, followed Westpac\u2019s lead, allowing mortgage prisoners to refinance to a cheaper lender could prevent some from defaulting on their loan\u2014a scenario all banks would be happy to avoid.<\/p>\n<div class=\"bt_bb_row\" data-structure=\"12\">\n<div class=\"bt_bb_column col-md-12 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"12\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_row_wrapper bt_bb_row_width_boxed_1200\">\n<div class=\"bt_bb_row\" data-structure=\"2-4-4-2\">\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_text\">\n<h6>Speak To An Expert<\/h6>\n<p>Schedule in a time to discuss your situation with a home loan specialist<\/p>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_button bto btop bt_bb_icon_position_left bt_bb_color_scheme_14 bt_bb_style_filled bt_bb_width_inline bt_bb_shape_inherit bt_bb_size_normal bt_bb_align_inherit\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_normal&quot;,&quot;xl&quot;:&quot;normal&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xl&quot;:&quot;inherit&quot;}}\"><a class=\"bt_bb_link\" title=\"BOOK IN A CALL\" href=\"\/finance\/book-a-chat-with-tommy-biller\/\" target=\"_self\" rel=\"noopener noreferrer\"><span class=\"bt_bb_button_text\">BOOK IN A CALL<\/span><\/a><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<p>As expressions of relief continue to flood in from Westpac\u2019s decision, the question is, should APRA consider officially lowering the stress test for all refinancers?<\/p>\n<p>Prior to Westpac\u2019s announcement, APRA\u2019s answer was no, stating the stress test buffer would remain at 3%. But that was in February, before most of us even knew what Pedro Pascal was capable of. Things can change in an instant.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Forget having to visit the doctor to test if your heart can endure high stress\u2014just order a coffee and croissant in a Sydney caf\u00e9 and take note of the total. With the cost-of-living skyrocketing, inflation at 7%, and rates rising 3.75% in a year, Australians are undergoing stress tests every day, with seemingly no relief&#8230;<\/p>\n","protected":false},"author":4,"featured_media":15961,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-15960","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lowering the stress test for all refinancers - Quantiphy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aus-finance.com.au\/gazette\/lowering-the-stress-test-for-all-refinancers\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lowering the stress test for all refinancers - Quantiphy\" \/>\n<meta property=\"og:description\" content=\"Forget having to visit the doctor to test if your heart can endure high stress\u2014just order a coffee and croissant in a Sydney caf\u00e9 and take note of the total. With the cost-of-living skyrocketing, inflation at 7%, and rates rising 3.75% in a year, Australians are undergoing stress tests every day, with seemingly no relief...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/aus-finance.com.au\/gazette\/lowering-the-stress-test-for-all-refinancers\" \/>\n<meta property=\"og:site_name\" content=\"Quantiphy\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-25T05:13:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/quantiphy.com.au\/oldbackup\/wp-content\/uploads\/2023\/05\/anna-samoylova-w55SpMmoPgE-unsplash.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1110\" \/>\n\t<meta property=\"og:image:height\" content=\"730\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"guy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"guy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/aus-finance.com.au\\\/gazette\\\/lowering-the-stress-test-for-all-refinancers#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/lowering-the-stress-test-for-all-refinancers\\\/\"},\"author\":{\"name\":\"guy\",\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#\\\/schema\\\/person\\\/e2082abcb51c3924c4e24a78b162c34b\"},\"headline\":\"Lowering the stress test for all refinancers\",\"datePublished\":\"2023-05-25T05:13:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/lowering-the-stress-test-for-all-refinancers\\\/\"},\"wordCount\":532,\"publisher\":{\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/aus-finance.com.au\\\/gazette\\\/lowering-the-stress-test-for-all-refinancers#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/anna-samoylova-w55SpMmoPgE-unsplash.jpg\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/lowering-the-stress-test-for-all-refinancers\\\/\",\"url\":\"https:\\\/\\\/aus-finance.com.au\\\/gazette\\\/lowering-the-stress-test-for-all-refinancers\",\"name\":\"Lowering the stress test for all refinancers - Quantiphy\",\"isPartOf\":{\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/aus-finance.com.au\\\/gazette\\\/lowering-the-stress-test-for-all-refinancers#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/aus-finance.com.au\\\/gazette\\\/lowering-the-stress-test-for-all-refinancers#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/anna-samoylova-w55SpMmoPgE-unsplash.jpg\",\"datePublished\":\"2023-05-25T05:13:32+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/aus-finance.com.au\\\/gazette\\\/lowering-the-stress-test-for-all-refinancers#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/aus-finance.com.au\\\/gazette\\\/lowering-the-stress-test-for-all-refinancers\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/aus-finance.com.au\\\/gazette\\\/lowering-the-stress-test-for-all-refinancers#primaryimage\",\"url\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/anna-samoylova-w55SpMmoPgE-unsplash.jpg\",\"contentUrl\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/anna-samoylova-w55SpMmoPgE-unsplash.jpg\",\"width\":1110,\"height\":730},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/aus-finance.com.au\\\/gazette\\\/lowering-the-stress-test-for-all-refinancers#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Lowering the stress test for all refinancers\"}]},{\"@type\":\"WebSite\",\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#website\",\"url\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/\",\"name\":\"Quantiphy\",\"description\":\"Accounting, Taxation, Wealth &amp; 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