Category: First Home Buyers

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

first home buyer credit crunch

Are first home buyers keeping the property market steady?

House prices in Sydney and Melbourne have fallen slightly in recent months. Falling house prices can be due to various factors, like increased interest rates, or oversupply. In current times, the drop in house prices has largely been attributed to what they call a ‘credit crunch’. What’s a credit crunch? A credit crunch is a […]

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apartment

Live well in a small apartment

Are you dreaming about buying your first home, but feel daunted by house prices? Before you opt out, consider getting your foot on the property ladder with a small apartment.   As the Ai Group reported earlier this year, apartment construction is booming in Australia. Generally speaking, a small apartment is less expensive than a […]

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3 innovative ways to break into the property market

According to a recent Grattan Institute report, home ownership rates have fallen in recent years for all Australians, but particularly for younger people and people in a lower income bracket. ‘It’s been a perfect storm of rising incomes and falling interest rates, rapid migration, tax and welfare settings feeding demand, and planning rules restricting supply. […]

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Costs to buy home

Costs of purchasing a home

You’re trawling real estate sites, and popping into open houses every Saturday. You’ve done your calculations, spoken to your mortgage adviser, and know roughly what you can afford to spend on your first home. The advertised price of the property, though, is only one expense to consider when buying your first home. So that you […]

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buying the first home

5 hacks for breaking into the property market

Dreaming of owning your own home? With house prices as they are, saving for your first home deposit can feel daunting. But the good news is, it’s possible. Here are some practical tips for breaking into the property market, and making your dream a reality. 1. Define your goal While you can dream big, and […]

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Buying a property with friends

Buying property with friends

With prices stubbornly high around the country, more under 40s Australians are teaming up with friends or family members to buy their first property. It can be a win-win for both parties. Having someone else stump up half the deposit and share the expenses and exposure may allow you to get into the market sooner, […]

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rentvesting

Making rentvesting work for you

It’s no secret that property values across Australia have raced north in recent years, in both major cities and regional towns. So much so that median house prices in Sydney and Melbourne are currently sitting at the eye-watering figures of $1,177,769 and $852,724 respectively, according to the latest QBE Australian Housing Outlook. If you don’t […]

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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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Client stories

Fiona and Jamie Clifford

When young couple Fiona and Jamie decided to build their new home, they knew they could rely on Smartline Personal Mortgage...

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Neville and Christine Lewis

Using the equity they had built up in their family home, Neville and Christine Lewis started investing in property in the early...

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Nick Tinning and Naomi Parkes

Nick Tinning and fiancée Naomi Parkes thought securing a loan to build their house would be relatively...

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