Category: Home Loans

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

loan restructure refinance

Should you restructure your loan?

Should you restructure your loan? Restructuring your loan, or switching loans, can be an effective way to free up funds for renovations and other life costs, and help you better manage your finances. But how do you know when to restructure your loan? And is it always a good idea? Here, we look at what […]

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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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Falling property price

Falling house prices? Don’t panic

CoreLogic recently reported that Sydney house prices were down -1.3 per cent in the last quarter, ending in November 2017, and Darwin house prices had dropped backwards -2.7 per cent. The report found a combined capital city drop of -0.1 per cent in the last month. Flags are raised when we hear these figures, which […]

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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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apra restrictions

Loan restrictions in place until household debt stabilises

Earlier this year, the Australian Prudential Regulation Authority (APRA) placed restrictions on investor lending and interest-only loans to address housing affordability, and potential mortgage stress. At the time, interest-only loans accounted for almost 40 per cent of lending. APRA Chairman Wayne Byres recently told building societies and credit unions that restrictions will remain in place […]

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renting with pets

Should you rent to people with pets?

Whether to enforce a blanket ‘no pets’ policy or consider allowing tenants to keep animals is a conundrum for many Australian landlords. It’s a topic that recently made its way onto the government agenda in one Australian state. Victorian premier Daniel Andrews hit the headlines in October when he mooted the ban of unreasonable ‘no […]

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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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Client stories

Janine Davies

Janine Davies originally found the idea of buying a home nerve-wracking. Terminology she didn’t understand, mountains of...

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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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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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