Smartline Blog

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

Wall color selection during renovation in a room (3D Rendering)

Funding renovations

Renovations can be costly and stressful, but as long as you are increasing the value of your home, it can be a good financial decision. Here are the different finance options available: Top up your current loan Since your equity typically increases over time, you can often borrow additional money on your existing loan. You […]

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Rates for interest-only loans on the rise

Concern about the growth of mortgage lending across the banking industry has prompted the Australian Prudential Regulation Authority (APRA) to tighten requirements for banks offering interest-only loans. Here, we look at what the changes are, and how they are affecting the lending market. APRA is concerned that too many mortgage holders are paying interest only […]

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Making tax payments can be one of the more challenging aspects of managing property investments.

Property cycle: capital city and regional update

There are signs the strong Sydney and Melbourne residential property markets are beginning to slow, which is usual at this time of year. At the same time, other capital city markets are only exhibiting modest, if any, growth. Cameron Kusher, head of research for Australia at CoreLogic RP Data, says clear signs are emerging that […]

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New South Wales follows in Victoria’s footsteps to tackle housing affordability

Measures designed to tackle housing affordability have recently been unveiled by the NSW state government, following similar initiatives the Victorian state government announced earlier this year. NSW Premier Gladys Berejiklian is championing changes that are designed to make housing more accessible for residents, and will take effect from 1 July 2017. Is property about to get […]

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Why robo-advice is no substitute for the human touch in mortgage broking

Websites offering the ability to obtain a home loan online are becoming more popular – not only in Australia but also globally. These platforms offer what is known as ‘robo-advice’ – guidance and help provided online, instead of by a real person. Such advances in technology seem convenient for time-poor individuals, but are they really better […]

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Queensland first home buyers get a boost

Great news for first home buyers in the sunshine state: the First Home Owner’s Grant (FHOG) is being extended to 31 December this year. The Queensland state government initiative was due to expire at the end of June, but it was recently announced that under the 2017-2018 State Budget, funding would be allocated to extend […]

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Rentvesting: another option for property ownership

Rent money is dead money – owning your own property is almost always the better financial decision, if you can afford it. However, ‘rentvesting’ – that is, renting where you want to live and investing in a property elsewhere – can be an even better option. What are the advantages 1. You can live where […]

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How mortgage brokers work to negotiate interest rates

Don’t assume interest rates are always non-negotiable. Many home buyers mistakenly believe that interest rates are firm numbers set by market factors they don’t understand. Even seasoned buyers often settle for higher interest rates than they’d like. Why do they cave? Because they either assume rates are set, or become frustrating working directly with lenders. Fortunately, […]

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Client stories:

When Ivan Marsic and his wife Tanja Brinkman decided they wanted to knock down their house and build a duplex, they didn’t expect to have any problems securing a loan to build the new property. The house had been fully paid off, and Ivan had been with the same bank since primary school. They also […] read more
Having a great mortgage broker can really help ease the stress and strain that comes with buying a property – particularly when you’re doing it solo. Getting back into the property market was a priority for Belinda Fellows, after she had separated from her partner and they had sold the property they had together. “I’d […] read more
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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