home loans & loan refinancing Australia wide

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FAQ

• Is there a fee for the Smartline service?
• Which lenders does Smartline work with?
• How much can I borrow?
• How does Smartline find a loan that’s right for me?
• Who does the paperwork?
  
• Do I have to chase the lender or do you do that?
• Is my Smartline Personal Mortgage Adviser fully qualified?
• What happens with my personal information?

Is there a fee for the Smartline service?

There is no charge for the specialist home loan broking service we provide for you. The lender you have chosen pays us a commission from its profit. We fully disclose our commissions to you in our Finance Broking Contract.

Which lenders does Smartline work with?

Our panel of lenders is a well-balanced selection of 30 of Australia’s leading home lenders.

How much can I borrow?

We understand that the 'how much' question is on the top of most people's lists. With a few details, we can quickly find out which lenders will let you borrow the money you want.

How does Smartline find a loan that’s right for me?

Using our specialist software, your Smartline Adviser can help you compare the loan products of 30 different lenders, quickly and easily. Your Smartline Adviser will tell you about the loans that are right for your needs. We'll review the details of each loan with you - and help you choose the one that’s right for you.

We’ll explain clearly in plain English all the features and costs of the chosen loan and tell you how much the repayments will be.

Who does the paperwork?

Your Smartline Adviser will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it (in many cases electronically) with your chosen lender. Smartline has programmed each of the lenders' lending criteria into its software so that you don’t waste time applying to a lender who will assess your application less favourably.

Do I have to chase the lender or do you do that?

We'll take the hassle out of the application process by managing it on your behalf - right through to settlement. We will help you with any questions that you may have and, if there are any problems, we’ll chase up the lender for you.

Is my Smartline Mortgage Adviser fully qualified?

All Smartline Adviser are fully qualified and trained mortgage professionals who have undertaken to:

• complete our intensive induction training, and pursue mandatory ongoing training in technical and customer service areas;
• meet our stringent service standards at all times;
• maintain MFAA accreditation;
• maintain professional indemnity insurance.

What happens with my personal information?

Our Privacy Policy ensures that any personal information collected by us will be used only for the purpose indicated. We will not give your personal information to other organisations for their marketing purposes.