The home loan that is right for you
We all have features in a home that we aren’t willing to compromise on
Just like your home, a Smartline Select home loan is customised for you – giving you the option to select the key features you want, without having to pay for the ones you don’t need.
Available exclusively through your Smartline Adviser, our home loans are straightforward, easy to understand and offered at highly competitive rates.
You get the expert personal service, support and advice that only your Smartline Adviser can provide.
And you can feel confident that you’ll have security throughout the life of your loan with the backing of Advantedge – one of Australia’s leading lenders and part of the NAB Group.
The home loan that’s made easy for you
- Easy to understand, quality home loan options
- Expert advice and support from your Smartline Adviser to help you select the right features for your needs
- No annual fee# and competitive rates to help you save
- 24/7^ secure online, tablet and mobile access to your accounts
- A Smartline Select home loan debit card with convenient redraw* access to your variable rate home loan funds via ATMs 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 CustomerCare team to make managing your loan easy
- The backing of the largest wholesale lender in Australia, Advantedge – part of the NAB Group.
# Fees may be introduced and varied in accordance with loan terms.
^ Subject to system availability.
* Subject to loan terms.
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 fixed or variable rate options, 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 them to determine which options best suit your needs.
Variable Rate
Variable rate loans give you the flexibility and freedom to manage your loan the way you want.
All the essential home loan features are included at competitive rates.
You can also make extra payments at no cost and redraw* those payments when needed.
Fixed Rate
With a fixed rate loan you get the certainty in knowing how much your repayments will be during a particular period.
The fixed term can be from 1 to 5 years depending on what suits you best.
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
Understanding redraw and repayments
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.
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.
What happens next?
Find out what to expect once your Smartline Select home loan is approved through to your first loan repayment.
New Customers: FAQs
How can I apply for Smartline Select?
What documents do I need to provide when applying?
What’s the difference between a fixed and a variable rate home 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?
Current Customers: Post-Settlement FAQs
Who do I speak to about my Smartline Select loan? How can I contact Smartline Select?
What happens to my extra funds at settlement?
When will I receive online access and a Smartline Select Debit Card?
Can I make a deposit into my loan at a NAB Branch?
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?
– You can set up one off or ongoing payments on StarNet or via StarCall at any time, at no cost.
– Manual transactions can be made by downloading a copy of the Repayment Request form and returning the completed form to the
– 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?
– 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?
How can I change my repayment frequency?
– 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.
Redraw information
Benefits of a redraw
How can I find out the amount of funds I have available to redraw?
Can my redraw be transferred into any account?
How can I redraw on my vacant land / construction / fixed rate loan?
– 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
Complaints and Disputes Resolution
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
View our Complaints and Dispute Resolution and Financial Hardship Guide
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.