Getting Approved

Simon and Terri-Lee

"Our Smartline Adviser was prepared to do the research and come up with a solution. Too many people try and cookie-cutter you or just give up." Simon and Terri-Lee

"When Adam’s parents suggested he contact Smartline, he was excited to hear he could secure a loan with a savings plan and some help from his parents." Adam

Adam
Adam and Natalie

"We had a broker who didn’t make us feel foolish for asking questions, even if it was for the third or fourth time."
Adam and Natalie

"Nothing was too much trouble – our broker met us after hours, and he always got back to us promptly with the answers to any questions we had." Angelo and Belinda

Angelo and Belinda
The Humphries

"We knew we had built considerable equity in our property but were not sure of exactly what to do with it and how best to use it."
The Humphries

"I’ve got a better interest rate, better flexibility, facilities and best of all less stress!" Irene

Irene
Simon

"I refinanced my previous property with my Smartline Mortgage Broker, and the service was so good we stayed with him this time around." Simon

"Building a house can be a very overwhelming & emotional process as there is a lot of money involved, but our broker took care of everything and was always available when I called." Fiona & Jamie

Fiona & Jamie
Helen and Michael

"Our Smartline Mortgage Broker has been fantastic. He showed us how refinancing our home could not only save us money, but also make it possible to buy an investment property." Helen & Michael

Home Loan Approval Process

Tips For Home Loan Approval

When it comes to lending money, lenders are naturally cautious – which is why they demand so much detailed information about you and your financial position.

Each lender has a different way of assessing loan applications. The good news is that our personal mortgage advisers can guide you accurately to the right lender – and you don’t waste time applying to a lender who will assess you less favourably.

Here are some tips to help you get your home loan approved.

  1. Apply to the right lender - your Smartline Mortgage Broker will work out which lender is most likely to approve your loan.
  2. Presentation - your Smartline Mortgage Broker can professionally present your application, and this can make all the difference.
  3. Always be honest in your loan application - you need to provide evidence for everything, so any discrepancies will soon show up.
  4. Prove your savings record by keeping your bank statements for at least six months, and make a concerted effort to keep the balance growing.
  5. Make sure your credit rating is good by paying all your bills on time.
  6. If you have recently moved jobs, get a letter from your employer confirming that you are no longer on probation.

What If Your Loan Application Is Rejected?

If a lender refuses your initial application, don’t panic. It may be that you don’t meet their particular lending criteria, but another lender will be happy to offer you a loan.

There are also some things that you might be able to do to get approval. If you have applied through Smartline, then your adviser may be able to discuss your application and the reasons for refusal with the lender. Sometimes, the refusal has nothing to do with you, but with the property.

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