Category: Home Loans

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

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 […]

Read More
Valentine, home loan

Buying for love? Pause, before you fall head over heels

The shops are full of hearts and roses, and restaurants are booking up. Valentine’s Day is just around the corner and we’ve got our rosy glasses on, because this is the month of love. Between booking restaurants and ordering flowers to woo your dream date, you might also be surfing real estate sites, looking for […]

Read More
rent tips

Top tips for renting your property

Around a third of Aussie homes are rented. In areas where rentals are in such short supply, renters face waiting lists, and in some cases, need to bid against other wannabe tenants. In short, the rental market is strong. If you aren’t in a position to move into your new home straight away, or are […]

Read More
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 […]

Read More
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 to […]

Read More
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 receded -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 is […]

Read More
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, […]

Read More
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 […]

Read More
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 […]

Read More

Client stories

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...

Read More

Alfonso De Guzman

Alfonso De Guzman’s focus on property investment in the past seven years has not only helped him and his family to provide for...

Read More

Belinda and Ashley Benson

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

Read More

Stay Connected