Category: Home Loans

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

Costs to buy home

Costs of purchasing a home

You’re trawling real estate sites, and popping into open houses every Saturday. You’ve done your calculations, spoken to your mortgage adviser, and know roughly what you can afford to spend on your first home. The advertised price of the property, though, is only one expense to consider when buying your first home. So that you […]

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RBA

Residential lending dominates

Monthly data from the Reserve Bank of Australia (RBA) indicate that Australia Prudential Regulation Authority (APRA)’s policies are taking effect. What are APRA’s policies? APRA implemented policies in 2017 to slow investor lending, in an attempt to address housing affordability. The policies require lenders to limit investor credit growth by 10 per cent per year. Interest […]

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Playing for Gold? How to improve your mortgage game plan

As we cheer our nation’s top athletes to the finish line during the Gold Coast 2018 Commonwealth Games, we thought it’s a good time to look at your mortgage game plan. Here are some tips for playing for gold, and getting the most out of your mortgage experience. Put in the hours Just as our […]

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Mortgage terms

7 mortgage terms you need to know

So, you’ve decided to buy a house. Choosing between polished floors and carpet is one thing. Getting your head around the logistics of financing your house is a whole other ball game. To give you a head start, we’ll take you through some key mortgage terms. Mortgage Let’s start with the basics. What exactly is […]

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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 […]

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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 […]

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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 […]

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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 to […]

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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 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 […]

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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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Khris Lloyd

25-year-old Khris Lloyd was left in the lurch when his beloved credit union did a backflip on their pre-approval for a run-down...

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