Category: Home Loans

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

first home buyer

7 Tips For First Home Buyers

Are you planning to buy your first home? This is an exciting time! To help you, we’ve put together some things to think about. Save a deposit If you are thinking of buying your first home, you should already be saving for a deposit. The bigger your deposit, the better your chances of securing a […]

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second property

Things to consider when buying your second property

You’ve purchased your first home. Congratulations! If you’ve been there for a while, you may be building up equity, which can put you in a good position to consider a second property. So, what’s equity and how can it help you buy a second property? The equity in your home is the value of your […]

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AFL grand final

Kick your financial goals

Grab your scarf and jersey. Grand Final weekend is here. To celebrate, we share six ways you can kick your financial goals. 1. Set goals You can’t kick a financial goal that doesn’t exist. The key to getting financially savvy and moving ahead, is to have clear, specific and concrete financial goals. “The more specific […]

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RBA

How do lending restrictions affect you?

Lending restrictions implemented in recent months are attempting to address housing affordability and prevent the onset of mortgage stress in many Australian households. The restrictions mean lenders have more responsibility than ever before. But what are these lending restrictions? And how will they potentially affect you? Here, we investigate some of the changes. Lending restrictions explained […]

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Why should I get a pre-approval?

Purchasing a property can be stressful enough, considering the amount of coin you are dealing with. Getting a pre-approval from your lender before you make an offer on a property should bring you some peace of mind and ensure that you won’t end up in serious hot water. A pre-approval is an indication from 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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Borrowing for over 50s

As anyone of middle age will attest, turning 50 can creep up on you. We know that 50 is the new 40! But if you want to take out a loan and you are over the age of 50, you may need to provide more information about your future financial position before you can borrow. […]

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tips for a budget holiday

Tips for holidaying on a budget

School holidays have already begun for some and for others, they’re just around the corner. With the kids at home and a break from work, it’s time to kick back and have some fun. But holiday fun can be expensive. If you are saving for a home loan deposit or are up to the hilt in home […]

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Client stories

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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Kimberley Harrison

Kimberley and her partner Todd were looking at buying a home together. They had each contacted their respective banks but were...

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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...

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