Smartline Select

The benefits of a Smartline Select home loan:

  • Easy to understand, quality home loan options
  • Expert advice and support from your Smartline Adviser to help you select the features for your needs
  • No annual fee and competitive rates to help you save
  • 24/71 secure online, tablet and mobile access to your accounts
  • A Smartline Select debit card with convenient redraw2 access to your variable rate home loan funds via ATMs3 or EFTPOS
  • Direct debiting from your home loan to your everyday bank account
  • The option to make extra repayments to your variable rate home loan at no cost
  • A dedicated Customer Care team to make managing your loan easy
  • Confidence in knowing your loan is managed by the largest wholesale lender Advantedge Financial Services, part of the NAB Group.

Download the Smartline Select Customer Brochure

Smartline Select offers a variety of options with interest rates to suit your needs. To find out more about available rates and how Smartline Select can work for you, speak to your Smartline Adviser today.

 

Support during Coronavirus (COVID-19)

At Smartline Select, we know this is an extremely difficult time for many of our customers and we want you to know that we’re here to help.

Find out more on how we can support you with your home loan. Smartline Select is funded by Advantedge Financial Services.

To find out more about how Smartline Select can ease the burden of COVID-19, speak to your Smartline Adviser today.

 

Loan Features

Smartline Select – the home loan that lets you choose

Buying a home can be a complex process, so we’ve made sure our home loan options aren’t. With a Smartline Select home loan, you can choose from a fixed or variable interest rate option or a combination of both.

We also have a range of different loan features that have been custom built to deliver a great experience for you. Your Smartline Adviser can take you through these to determine which options best suit your needs.

Variable Rate

With a variable rate you get competitive rates and all the essential features, plus you can make extra payments electronically at no cost and redraw1 those extra repayments when it suits you.

At a glance:
  • Competitive
    • Variable interest rate offers you greater flexibility
  • Flexible
    • Principal and Interest or Interest Only repayment options2 to fit your financial plans
    • Monthly, fortnightly or weekly repayment frequency options to suit your cash flow3
    • Loan terms up to 30 years for a repayment period that’s right for you
    • Redraw1 available by multiple methods, including a Debit Card to access funds via ATMs and EFTPOS
    • Split your loan up to four times
    • Additional repayments electronically at no cost, so you can repay your mortgage sooner
  • Extras
    • Flexible repayment options – weekly, fortnightly or monthly3
    • 24 hour4 access to funds through Debit Card, ATM and EFTPOS
    • Available to you whether you’re buying land, building or both

Fixed Rate

Our fixed rate gives you the certainty of knowing exactly how much your repayments will be. You can choose your fixed rate term from 1 to 5 years, depending on the period that suits your needs.

At a glance:
  • Competitive
    • Fixed interest rate offers you greater peace of mind
  • Flexible
    • Certainty of knowing what your repayments are during the fixed rate term
    • Choice of 1 to 5 year fixed rate terms to fit your plans
    • Principal and Interest or Interest Only repayment options2 to suit your situation
    • Lock Rate option for added rate protection prior to settlement
    • Flexible repayment options – weekly, fortnightly or monthly3
    • Split your loan up to 4 times


1. Subject to loan terms.
2. Interest only term up to 10 years where the loan is for investment purposes, and up to 5 years where the loan is for personal use or LVR >85%.
3. Weekly or fortnightly repayments are available after you make your first monthly repayment. For interest only loans, only the monthly repayment option is available.
4. Subject to system availability.


Forms & Brochures

Customer Brochure
Borrowers’ Guide to Construction Loans
BPAY User Guide
Digital Signing Guide
Direct Salary and Other Income Credits User Guide
Fees and Charges Guide

Pre-Settlement Forms

Loan Applications

Application Form
Fixed Rate Authority Form
Co-Borrower Acknowledgement

Post-Settlement Forms

Contact Details & Personal Information

Contact Details Update Form
Nomination Regarding Notices and Other Documents Form
Personal and Credit Information Access and Correction Form

Loan Variations

Loan Variation Form
Fixed Rate Break Cost Acknowledgement Form

Debit Cards

Debit Card – Manual Activation Form
Debit Card – New, Cancellation and Replacement Request Form

Internet and Phone Transacting

StarCall/StarNet Application Form

Redraws, Repayments, and Progress Drawdown Requests

Repayment Request Form
Redraw Requests and Transfers Form
Construction Progress Drawdown Request Form

Note: Borrowers wanting to change their nominated bank account details must complete the Direct Debit Request form. This form is available by Smartline Advisers contacting Advantedge on 1300 543 558 or by borrowers downloading this form when they log into StarNet.


© Copyright 2015 Advantedge Financial Services Pty Ltd ABN 36 130 012 930, Australian Credit Licence 391202.


FAQs

Smartline Select Frequently Asked Questions

Smartline Select is available exclusively through your Smartline Adviser. Your Smartline Adviser can help manage the entire application and approval process. They’re your best source of information about Smartline Select and the application process to help ensure you get the home loan that’s right for you.

New Customers: FAQs

How can I apply for Smartline Select?
Please contact your Smartline Adviser to apply and lodge your application.

What documents do I need to provide when applying?
When you discuss your home loan with your Smartline Adviser, he/she will inform you of the relevant documentation required to apply for a Smartline Select loan.

What’s the difference between a fixed and a variable rate home loan?
A fixed rate loan means that the interest rate, which applies to your loan, will stay the same for a fixed period. For example, if you take out a 3-year fixed rate home loan, the interest rate will be the same throughout the 3 year fixed rate term, which means you know exactly what your repayments will be during that term. A variable rate loan means that the interest rate may change from time to time throughout the life of the loan.

Current Applicants: FAQs

Smartline Select is available exclusively through Smartline Advisers. Your Smartline Adviser can help manage the entire application and approval process. They’re your best source of information about your application.

Who do I speak to about Smartline Select?
Please go to the Contact Us section of this page.

Current Customers: Post-Settlement FAQs

Who do I speak to about my Smartline Select loan? How can I contact Smartline Select?
You can contact the CustomerCare team on 1300 543 558 from 8:00am-8:00pm (AEDT) Monday to Friday for queries on your loan. Or to contact a Smartline Adviser, please go to the Contact us section below.

What happens to my extra funds at settlement?
Surplus funds will be made available as set out in the Direction to Pay form you sign.

When will I receive online access and a Smartline Select Debit Card?
Your online access details for StarNet will be mailed to you within 5 days of settlement. If you requested a Smartline Select Debit Card at the time of application, the Debit Card and PIN for the card will be sent to you within 10 days of loan settlement in two separate letters for your security.

How can I find out the amount of funds I have available to redraw?
You can check your loan account via StarNet or StarCall to view your available redraw^ amount anytime or call the CustomerCare team on 1300 543 558 from 8:00am-8:00pm (AEDT) Monday to Friday.

Can my redraw be transferred into any account?
No. Any redraws^ you request can only be paid into the linked account that you nominated on your Direct Debit Request form.

Can I make a deposit into my loan at a NAB Branch?
Yes. You will need to complete a deposit slip with the BSB and account number we give you in your Welcome Pack. A fee applies to manual transactions.
Note: The teller will not have access to your loan account details in the loan systems. You can ask the teller to treat the deposit as a “back office” transaction. If there is any confusion, ask the teller to call CustomerCare on 1300 543 558 to assist.

How can I make additional repayments on variable rate loans?
Electronically via StarNet or StarCall:
– You can set up one off or ongoing payments on StarNet or via StarCall at any time, at no cost.Manual Transactions:
– Manual transactions can be made by downloading a copy of the Repayment Request form and returning the completed form to the CustomerCare team:
– By email to smartline@mycustomercare.com.au
– By post to Advantedge Financial Services Pty Ltd CustomerCare, P.O. Box 626, Collins Street West, Melbourne VIC 8007A fee applies to manual transactions. Additional payments made electronically do not attract a fee.

How do I request a recalculation of my repayments?
Please complete the Repayment Request form and return the completed form to the CustomerCare team:
– By email to smartline@mycustomercare.com.au
– By post to Advantedge Financial Services Pty Ltd CustomerCare, P.O. Box 626, Collins Street West, Melbourne VIC 8007Ongoing additional payments made electronically do not attract a fee.

How do I increase my loan amount?
Contact your Smartline Adviser to arrange an appointment to discuss your request#.

How can I redraw on my vacant land / construction / fixed rate loan?
Redraw is not available on fixed rate loans. Any available redraw^ on construction and vacant land loans can only be accessed by completing the Redraw Requests & Transfers form and returning the completed form to the CustomerCare team:
– By email to smartline@mycustomercare.com.au
– By post to Advantedge Financial Services Pty Ltd CustomerCare, P.O. Box 626, Collins Street West, Melbourne VIC 8007

How can I change my repayment frequency?
You can change this in StarNet. Alternatively, please complete the Repayment Request form and return the completed form to the CustomerCare team:
– By email to smartline@mycustomercare.com.au
– By post to CustomerCare, P.O. Box 626, Collins Street West, Melbourne VIC 8007Ongoing additional payments made electronically do not attract a fee. You can also provide a letter requesting the change, signed by all borrowers, and send it to the CustomerCare team by email or post as shown above.


Contact Us

For new applicants

Please contact a Smartline Adviser, please phone 13 14 97.

For existing applicants and current customers

CustomerCare
Need some assistance with your existing Smartline Select loan? You can speak to a Smartline Adviser or contact us directly via the following channels.


Phone
1300 543 558
8am-7:30pm (AEDT)
Monday to Friday


Email
CustomerCare: smartline@mycustomercare.com.au


Postal Address
PO Box 626 Collins Street West
Melbourne VIC 8007


Complaints and Financial Hardship
Download our Complaints and Dispute Resolution and Financial Hardship Guide

 


 


1 Subject to system availability.
2 Subject to loan terms.
3 Use of NAB or Redi ATM networks are free of charge. Fees and charges may apply to use other ATM networks.


Smartline Select products are funded by the Advantedge Residential Loan program. AFSH Nominees Pty Ltd (AFSH) ACN 143 937 437 Australian Credit Licence 391192 is the program lender and Advantedge Financial Services Pty Ltd (Advantedge) ACN 130 012 930 Australian Credit Licence 391202 is the program loan servicer. The program is funded under arrangements with National Australia Bank Limited (NAB). Each of AFSH and Advantedge are members of the NAB Group. NAB does not guarantee the obligations of its subsidiaries. Smartline Select is distributed by Smartline Home Loans Pty Ltd ABN 38 085 370 270 Credit Representative 381913 of Smartline Operations Pty Ltd ABN 86 086 467 727 Australian Credit Licence Number 385325.