home loans & loan refinancing Australia wide

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Moving or upgrading

Selling and buying is a juggling act that requires careful planning and financial management. Smartline can make the process easier for you by helping you with the key steps:

• How much can I borrow?
• The costs of buying
• Finding a home loan

How much can I borrow?

Your Smartline Mortgage Broker can give you an accurate indication of your borrowing and purchasing power, saving you time and hassle.

If you want to get started now, use our borrowing calculator to give you an estimate of how much you could borrow.

The costs of buying

The costs of buying and financing a home include the lender's application fees, possibly mortgage insurance if you are borrowing more than 80% of the property value, stamp duty, conveyancing, and inspection costs.

Work out an estimate of all your costs of buying with our costs of buying calculator.

Finding a home loan

Your adviser can help you choose a loan solution that is right for you, without all the running around. If you’re keen to do some research now, read our handy home loan guide.

Check out the sections on professional package home loans and basic low interest home loans which are most popular with home buyers to keep costs and repayments to a minimum. Also check out offset accounts and split loans – these are very useful features.

If you’re thinking of doing some major renovations an equity loan can be a convenient solution. If you plan to buy your new property before you sell your existing one, you may need a bridging loan. And rather than having to juggle your finances to draw a cheque for the deposit on your new home, we can organise a deposit bond for you.