Category: General

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

Can Sydney’s housing affordability be fixed in five steps?

Australia has ranked as one of the least affordable countries in the world for housing again – but solutions are on the way. Demographia’s 2017 report ranked Australia third behind Hong Kong and New Zealand for unaffordable housing, largely driven by price hikes in Sydney and Melbourne. Of course, that’s nothing new. Anyone who’s tried […]

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Get ready for the new financial year

A new financial year is a great time to review your finances and make sure they are in tip-top order. It’s the time of year to ensure you are claiming all your allowable deductions and that your tax records are in order. Here, we look at how to prep for 30 June whether you are […]

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22 ways to cut your energy bills (before spending on solar panels)

Winter is here! Despite many Australians opting not to heat their homes to the point of complete comfort, many of us nevertheless will soon receive a nasty surprise when the energy bills arrive. With Australia’s historically cheap energy, old housing stock in many areas, mild climate and frequent emphasis on low building costs, many homes […]

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How can you expand your financial literacy?

Financial literacy is all about equipping yourself with the skills to handle your money effectively. We’ve talked before about the importance of increasing your financial literacy in order to make smarter decisions that will result in more money for you. But how do you find resources that explain things in straightforward language free from all that […]

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What are the financial challenges facing Australian women?

Australian women typically live several years longer than men, according to the Australian Institute of Health and Welfare. In spite of this, women face financial disadvantages that men do not, which affects their ability to save. Our country still has a fair way to go until this is no longer an issue, if we take […]

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Australia, it’s time to talk about money

Money. Capital. Finances. It’s time to have a chat about these taboo topics. Australia is one of those countries where people simply refuse to discuss their money worries, even when they are on the brink of bankruptcy. In fact, according to a survey by Members Equity (ME) Bank, Australians are far more happy to talk […]

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Loan Redraw or Offset Accounts? Which is Best?

Offset accounts and redraw facilities work in similar ways; they both allow you to reduce the balance of your home loan, and therefore the interest charged, by applying extra money to your debt. They also are an effective means to build a “buffer” for a rainy day. Redraw allows you to deposit spare income into […]

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Client stories

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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Belinda and Ashley Benson

Borrowing money can get awfully complicated and that’s where having the right mortgage broker made all the difference for...

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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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