Category: Debt Consolidation

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

Is it time for a home loan health check?

One of the common mistakes that many Australian homeowners make is assuming that the terms of your mortgage are finite. Over the life of your home loan, your financial circumstances are likely to change several times. Whether you get a higher paying job, cut back on your hours or start a family – the amount […]

Read More

Mortgage advisers offer start-to-finish loan support

When it comes to home loans, a mortgage broker plays an integral role in helping you identify the most suitable products and preparing your application. But did you know that your mortgage adviser can continue to be a valuable port of call long after all the Is have been dotted and the Ts have been […]

Read More

Why get advice from a mortgage broker?

If the advice of a mortgage broker wasn’t needed, Smartline wouldn’t exist. But, we do exist – and for a few very good reasons. Expertise Your mortgage broker needs to be up-to-speed with lenders’ ever-changing policies – not only where to find the best deals but which lender will accommodate your unique personal circumstances. Package […]

Read More

Loan repayment timing the ‘devil’ in the detail

Lenders are paying more and more attention to the little details of your loan application and credit history – such as loan and bill repayments, which you might not think would be considered. Not being aware of and managing these little details may impact on your chances of securing finance in the future – but […]

Read More

Avoid shopping for credit and improve home loan chances

Many Australians have high levels of personal and credit card debt, but those looking to borrow to buy a home in the near future are advised to jump off the consumption bandwagon to improve their home loan chances. Not only can current personal debt levels have a significant impact on your ability to secure a […]

Read More

Manage Your Mortgage

For homeowners looking to maximise household cash flow in 2011, there are ways to manage the mortgage and get ahead. Set up an offset account An offset account is a separate deposit account linked to your home loan.  The interest earned on the savings is offset against the interest payable on the home loan. You […]

Read More

Client stories

Vanessa Schefe

Vanessa and her partner Brett wanted to buy a new home and approached several big banks for a loan. Not only did they have no...

Read More

Linda and Trevor Friend

Linda and her husband Trevor had their mortgage with one of major banks for years. With rates going down steadily, the time had...

Read More

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...

Read More

Stay Connected