Category: Mortgage Broking

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

What to look for in a home loan lender

You’ll need to make many choices when securing a home loan. From the most suitable type of loan and interest rate, through to extra options such as a redraw facility, making the right decisions early on can play a huge part in ensuring your repayments process runs smoothly and is stress-free. But what about the choice […]

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Why robo-advice is no substitute for the human touch in mortgage broking

Websites offering the ability to obtain a home loan online are becoming more popular – not only in Australia but also globally. These platforms offer what is known as ‘robo-advice’ – guidance and help provided online, instead of by a real person. Such advances in technology seem convenient for time-poor individuals, but are they really better […]

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How mortgage brokers work to negotiate interest rates

Don’t assume interest rates are always non-negotiable. Many home buyers mistakenly believe that interest rates are firm numbers set by market factors they don’t understand. Even seasoned buyers often settle for higher interest rates than they’d like. Why do they cave? Because they either assume rates are set, or become frustrating working directly with lenders. Fortunately, […]

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Life stages and property, part 2: Your 40s and 50s

Australians face varying financial challenges at different stages of their lives. Your relationship with your biggest investment – your home – changes over time as well. When you’re in your twenties and thirties, you’ll be focused on saving up for your first property. By the time you reach middle age, you’ll likely own your own […]

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How can you help your kids with their mortgage?

As Australian property values increase, many first home buyers are turning to “The Bank of Mum and Dad” for help with purchasing their first property. Whether you have adult children on the brink of moving out, or have a young brood who won’t be buying property for another couple of decades, it’s understandable that you’d […]

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City or country property, which is a better investment?

According to Australian Bureau of Statistics’ data, almost two-thirds of us live in cities. But while many of us live in a metropolis, there are plenty of great opportunities to buy investment property in regional areas. City versus country: pros and cons Wherever you choose to buy a property, it’s important to understand the pros […]

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What do APRA’s mortgage lending measures mean for property seekers?

The Australian Prudential Regulation Authority (APRA) recently announced that it will be introducing extra measures to improve the quality of mortgage lending in Australia and moderate investor lending. This comes in a response to increased housing affordability nationwide and a surge in investor lending, in conjunction with a fall in owner-occupied loans. What exactly are the measures […]

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Buying your first investment property

It can make a lot of sense to buy property as an investment; historically it has provided strong returns. In addition, owning ‘bricks and mortar’ gives investors a sense of having an interest in something real. But buying property as an investment is different to buying property to live in. Here, we look at some […]

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5 reasons to use a mortgage broker to find your home loan

Once you’ve decided to take out a home loan, you have two options. First, you can deal directly with individual banks and lenders and compare all the different loan options yourself. Alternatively, you can enlist the help of a mortgage broker, like Smartline, who negotiates with a number of different banks and lenders on your […]

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What you need to know about getting a home loan in Sydney

Sydney is where much of the property market growth in Australia is concentrated, and in recent years it has experienced increasing prices. It’s good news for property owners, who have seen their homes explode in value, but what about property seekers? What can you expect when you take out a home loan in Sydney? Let’s take […]

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Client stories

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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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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Elly and Nic Marie

It was Christmas Eve 2015 and Elly Marie and her husband Nic were busy with their new baby and planning their upcoming wedding in...

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