Category: General

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

buying a house at auction

Buying at auction? 6 tips to help you prepare

So, you are ready to buy, you’ve been scouting the market, and have chosen your dream home. And it’s going to auction. Bidding at auction can be a daunting experience if you haven’t done it before. The majority of people who attend auctions report feeling less than confident about making a bid. To help you prepare […]

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5 smart ways to spring clean your finances

Spring is a great time to dust off the cobwebs and reorganise the linen cupboard. It is also a great time to reassess your finances, to make sure everything is running smoothly. Here are some strategies to ensure you are getting the most out of your money. Dust the cobwebs off your budget Checking in with […]

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Which of Australia’s capital cities have the most affordable mortgages?

Affordability is about more than just the price of a house. Monthly mortgage repayments and house price-to-income ratios also dictate how affordable a property is. In this post, we compare the cost of a mortgage in Australia’s capital cities. What is the average price of a mortgage in Australian cities? At the end of June 2017, CoreLogic […]

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The nation’s capital is hot now!

While the average August temperature in Canberra is a mere 13.5 degrees Celsius, the property market could be heating up. CommSec’s latest State of the States report, which analyses indicators over eight key economic areas, shows us that the Australian Capital Territory has the highest home lending rates in the country. This is positive news […]

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Tips for breaking into the housing market

Recent Census data tells us that less people own their own homes than five years ago. That can at least be partly attributed to rising house prices. In Sydney, house prices are 12 per cent higher than they were a year ago. In Melbourne, house prices are up 13 per cent from last year. These increases can be […]

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4 resolutions for home buyers this new financial year

January 1 is generally the time we most commonly make resolutions – diets, fitness, careers and relationships all get dealt with as the new year comes around. But does it make sense to make financial resolutions at this time too? When the new financial year rolls around, you’ve just submitted your tax return and got your finances in […]

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New Census data looks good for investors

Are you looking to invest in property? You might be interested to hear that according to new Census data, rents have increased and mortgage repayments have decreased in the last five years, making property investment an attractive option. Many people in Australia have a mortgage, and people are paying less per week for their mortgages, […]

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Rates for interest-only loans on the rise

Concern about the growth of mortgage lending across the banking industry has prompted the Australian Prudential Regulation Authority (APRA) to tighten requirements for banks offering interest-only loans. Here, we look at what the changes are, and how they are affecting the lending market. APRA is concerned that too many mortgage holders are paying interest only […]

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Making tax payments can be one of the more challenging aspects of managing property investments.

Property cycle: capital city and regional update

There are signs the strong Sydney and Melbourne residential property markets are beginning to slow, which is usual at this time of year. At the same time, other capital city markets are only exhibiting modest, if any, growth. Cameron Kusher, head of research for Australia at CoreLogic RP Data, says clear signs are emerging that […]

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Client stories

Dee and Henry Nieuwenhuis

Going green wasn’t an optional extra for the Nieuwenhuis', it was an integral element of their property investment strategy....

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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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Kerry Simpson and Scott Wright

Kerry and Scott joke that their Smartline Adviser knows more about their finances than they do. Over the past 11 years...

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