Smartline Blog

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

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City or country property, which is a better investment?

According to Australian Bureau of Statistics’ data, almost two-thirds of us live in cities. But while many of us live in a metropolis, there are plenty of great opportunities to buy investment property in regional areas. City versus country: pros and cons Wherever you choose to buy a property, it’s important to understand the pros […]

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What do APRA’s mortgage lending measures mean for property seekers?

The Australian Prudential Regulation Authority (APRA) recently announced that it will be introducing extra measures to improve the quality of mortgage lending in Australia and moderate investor lending. This comes as a response to increased housing affordability nationwide and a surge in investor lending, in conjunction with a fall in owner-occupied loans. What exactly are the measures […]

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Three ways to add value to your property

If you’re thinking about how to improve your home or investment property prior to putting it on the market, the preparation you do beforehand can make a big difference to the price it fetches on auction day or through a sale process. The idea is to work out the best ways to add value to […]

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Buying your first investment property

It can make a lot of sense to buy property as an investment; historically it has provided strong returns. In addition, owning ‘bricks and mortar’ gives investors a sense of having an interest in something real. But buying property as an investment is different to buying property to live in. Here, we look at some […]

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Life stages and property, part 1: Your 20s and 30s

Age is a decisive factor in determining our spending habits, attitudes towards money and financial priorities. At different life stages, we are thinking about different things, worried about different issues and focused on achieving different goals. Naturally, this impacts our finances. This month, we’re examining some trends relating to age and financial thinking in connection […]

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The essential checklist for first home buyers

Are you thinking about buying your first home? You’ve got a decent chunk of money tucked away and now all that’s left is to find yourself the right home loan. What comes next? Here’s a handy checklist we’ve put together: 1. Decide if it’ll be live-in or investment The first decision you’ll need to make […]

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5 reasons to use a mortgage broker to find your home loan

Once you’ve decided to take out a home loan, you have two options. First, you can deal directly with individual banks and lenders and compare all the different loan options yourself. Alternatively, you can enlist the help of a mortgage broker, like Smartline, who negotiates with a number of different banks and lenders on your […]

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What you need to know about getting a home loan in Sydney

Sydney is where much of the property market growth in Australia is concentrated, and in recent years it has experienced increasing prices. It’s good news for property owners, who have seen their homes explode in value, but what about property seekers? What can you expect when you take out a home loan in Sydney? Let’s take […]

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Could rising home loan costs affect your retirement?

The number of Australians who own their home outright has declined dramatically over the last two decades, to the point where home owners with a mortgage now outnumber those who have paid theirs off. These findings were revealed by the Australian Institute of Superannuation Trustees (AIST) in their recent report on the impact declining home ownership […]

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Client stories:

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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
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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
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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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