What Can You Afford to Buy?

Before you buy your home, you need to know how much you can borrow and what sort of repayments you can manage. This page will get you started. A Smartline mortgage broker can give you the whole picture and exact figures.

How much money can I borrow?

Crunch some numbers
. Get a rough estimate of how much you can borrow, your loan repayments, costs and more with our handy mortgage calculators. A Smartline mortgage broker can give you an exact picture, free-of-charge.


Apply for loan pre-approval

This is when lenders assess your financial position and let you know how much they will lend you. We can get you loan pre-approval from a lender (valid for up to three months), so you have a figure to take along to open homes, auctions and sale discussions.


Understand how lenders assess your options

Lenders use a number of things to determine if you qualify for a loan – and, if so, how much they’ll lend you. Smartline brokers have access to the lending criteria for all of our 25 lenders and can help you understand your options.


Boost your borrowing power

There are lots of ways to increase the amount banks and other lenders are likely to give you. A Smartline broker can show you how – from good credit card management and financial records to your income, choice of loan product, deposit amount and more.


Avoid rash decisions

If you’re stressed, confused or in a hurry for money, it’s easy to make costly mistakes. Your Smartline broker is the calming, rational voice of experience you need in your corner, to help you make wise choices.


Find a comfortable repayment amount

You don’t want to be living and working just to pay off your home loan. Your broker can show you how a good budget, the right repayment option, and money aside for the unexpected can make life with a mortgage much easier.

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