Smartline Blog

Follow our Smartline blog for up to date latest Australian finance and property news.

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Do Sydney and Melbourne have competition for value growth?

Traditional property wisdom dictates that the biggest gains over time can be had in the largest, busiest and most populous regions of a country. In Australia, this has certainly proven true over the last few years, with NSW and Victoria capitals Sydney and Melbourne grabbing all the headlines thanks to their steady increases in real […]

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Investing together part 2: Buying property with a partner

Love and money are two strong forces that may not always exist in favour of one another. In no situation do they work closer than when buying a home – a commitment almost on par with saying the words ‘I do’. While shouldering the financial burden together will certainly make buying a home easier, difficulties […]

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Investing together part 1: The guarantor

The median cost of a house in one of Australia’s five biggest cities exceeds $800,000, according to CoreLogic RP Data. Small wonder then that your average first and second home buyer might struggle to get approved for the loan necessary to buy in such an expensive market. Could having a guarantor for your loan be […]

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Smartline named franchising winner for eighth straight year

Smartline Personal Mortgage Advisers has been named as Australia’s top franchise for the eighth consecutive year. Topfranchise.com.au ranked Smartline number one in its latest top 10 list released today (Monday, September 26), following a comprehensive survey of franchisees from franchise systems across the country. Smartline has held the number one ranking since 2009. Smartline took […]

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Knocking down to rebuild: the pros and cons

New information reveals that knocking down to rebuild your home is now practically an Australian tradition. In fact, the Housing Industry Association has forecasted that the number of new dwelling commencements will reach a staggering high of 232,500 during 2015 and 2016, a decent number of which might be knock down, rebuilds. The HIA’s chief economist Harvey […]

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3 tips for saving while paying off a mortgage

Paying off a mortgage can be a lofty task indeed. With those weekly payments coming out of your account, you may have nothing left for other financial goals such as saving for a holiday or perhaps even making extra mortgage repayments. It doesn’t have to be that way. With smart advice courtesy of one of […]

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3 mistakes to avoid when investing in property

Investing in property can reap massive rewards – do it right and you could be living dreams of early retirement. In fact, CoreLogic’s Pain and Gain report reveals that over 92.1 per cent of people who sold during Q1 2016 made a profit, at an average of $239,855 per sale. On the flip-side, if you do […]

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Is spring the best time to buy property?

The frost on your windshield is getting a little thinner in the morning. Trees are slowly turning green again. There’s even a little warmth in the sun. It’s spring – a beautiful time of year when colours come back to nature and the temperature starts to increase before the glorious Australian summer begins. Lovely as […]

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Should you buy an apartment or a house?

When buying property and securing a home loan whether to buy an apartment or a house should be one of the first decisions you make. For some, the answer will be clear straight away, but for many the right choice will be a complete mystery. There’s several benefits to both types of home and neither option provides […]

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Client stories:

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It was Christmas Eve 2015 and Elly Marie and her husband Nic were busy with their new baby and planning their upcoming wedding in February.  On a whim, they decided to put an offer on a unit – another investment property – which they didn’t think would be accepted. It was. With no finance preapproval, […] read more
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Borrowing money can get awfully complicated and that’s where having the right mortgage broker made all the difference for Belinda and Ashley Benson. The couple initially met Smartline mortgage adviser Sharon Lee through a work colleague when they were buying their first home. “It was our first time borrowing this kind of money,” says Belinda, […] read more
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Going green wasn’t an optional extra for the Nieuwenhuis’, it was an integral element of their property investment strategy. ‘I’ve always had a passion to live more green,’ says Dee. ‘I have faith in the fact that we will have to go that way eventually – so the sooner the better. I thought that green […] read more

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