Smartline Blog

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

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Intending to borrow

If you’re intending to borrow in the near future, there are a few things you should start getting organised now if you want to maximise the amount you can borrow. Having your financial information ready to go also minimises approval times, which is a godsend if you are already looking for a property. Start with […]

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Starting the new year afresh

If you were a little generous at Christmas and overspent, it might be time to make a budget and get on top of your finances. Why keep a budget? A budget essentially means you can hold yourself accountable for your spending. The transparency of doing a budget can be a bit of a shock if […]

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Restructuring, part 1: reasons to restructure your home loan

Many home owners feel stuck in their current home loan. When debts pile up, meeting the monthly repayments can become stressful. If you’re feeling some financial pressure but don’t want to move out of your current home, it can pay to have a think about home loan restructure. You can choose between internal (sticking with your current […]

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Should I stay or should I go? The downsizing dilemma

Your kids have all flown the coop and you suddenly find that the family home seems a lot larger than it used to. Whereas every surface may once have been strewn with muddy soccer boots, university textbooks and never-ending loads of laundry, whole spaces now go unused for weeks on end. It seems to take much […]

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3 financial goals you can set for yourself in 2017

Life comes at you fast, and if you don’t set concrete goals for yourself, it’s easy to fall behind. This is especially the case when it comes to planning your finances. If you have certain benchmarks you’d like to hit in terms of savings and investment, it’s best to draw up an exact schedule for […]

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How ‘big data’ is helping consumers make better property decisions

When most people think of the buzzword “big data,” their minds probably go first to big corporations planning big analytical projects. Brands like Google, Apple and Amazon can use big data to analyse their customer bases and find innovative new ways to do business. But here’s another way of looking at it – what can […]

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Previewing 2017 : How’s the landscape for real estate buyers?

The market for housing in Australia is always an active one. This is never going to change, as people will obviously always need places to live. Prices are always subject to ebbs and flows, however, as levels of supply and demand fluctuate and the market adjusts accordingly. With this in mind, it’s interesting to think […]

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Learn to recover from the post-Christmas financial blues

There’s no time of year more exciting than Christmas – but the truth is that once it ends, it’s common to feel a little blue. The gifts, the meals, the special time with friends and family – they’re all over until next December. And also, there’s usually a financial crunch that comes with wrapping up […]

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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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