Smartline Blog

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

Using a guarantor? Here’s what you need to know

Saving for your first home is a big hurdle. With a willing and eligible guarantor, your dream property may be more attainable than you think. But there are risks for the guarantor, so consider the following before heading down this path. A guarantor is usually a close family member who guarantees the security of your […]

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5 tips for managing mortgage stress

The term mortgage stress has been bandied around in the news recently. With Reserve Bank of Australia (RBA) cash rate at a record low of 1.5 per cent, house prices continuing to rise and incomes remaining flat, economists are concerned that when rates do increase, many Australians will experience mortgage stress. There are many definitions […]

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Debt consolidation

Having multiple loans can creep up on you. Let’s say you took out a personal loan for a holiday you couldn’t quite afford outright when you were younger. Perhaps a year or two later you took out a car loan because the weekly repayments sounded far easier than a $40,000 lump sum. Several years after […]

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What are the costs of buying a new home?

So, you are ready to purchase your first home. You’ve got pre-approval for your mortgage, and you feel confident your income will stretch to cover the repayments. But are you aware of all the other costs involved in buying a home? Here, we break down the fees for you, so you don’t encounter any surprises […]

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rent increasing

How far can rents actually rise?

We recently received another thought provoking blog post from .id the population experts. The topic was based on “rent & mortgage” data that has just been released from the 2016 Census. As you can see below, median weekly rents have been on the rise since the 2011 Census. Whilst these rent increases have been substantial, […]

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Taking the long-term view on your mortgage

Taking out a mortgage is a big commitment, and often you will be paying back your mortgage over 25-30 years. This is a long-term arrangement, and possibly the first time you’ve ever had to think so far into the future. There is a lot to arrange when taking out a mortgage. And to give yourself the […]

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Where will property values be in three years?

The annual QBE Australian Housing Outlook (2017-2020) report has just been released. This report, produced by BIS Oxford Economics, has a remarkably accurate track record when it comes to forecasting capital growth rates. Here is a summary of their median house price predictions. As you can see, it appears that Sydney’s boom is predicted to […]

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Heating up? 5 ways to cool your house that won’t cost the earth

Summer is fast upon us. In some parts of the country, it has definitely arrived. While summer means beaches, swimming and evening BBQs, it also means high energy bills, as we switch on the aircon to stay cool. Before you panic, and start looking for real estate in Tasmania, there are a few ways you […]

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Offset or redraw? A look at the pros and cons

With interest rates at historic lows, some homeowners are building up a savings buffer by paying more than the minimum off their mortgage each month.   Evidence bears this out. The Reserve Bank of Australia’s latest Financial Stability Review reveals the balances in mortgage offset accounts and redraw facilities are high, at around 17 per […]

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Client stories:

Udaya and Nita Lohani

With their family having outgrown the two-bedroom unit they had lived in for seven years, Udaya and Nita Lohani knew the time was...

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Customer posing in new home

Alison Bromley

Having sacrificed and worked hard to save the money for the deposit for her first house, Alison Bromley became overwhelmed at the...

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Family posing in new home backyard

Matt Richardson

Running his own successful IT project management business while growing his investment property portfolio means Matt Richardson...

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