When buying a home, to live in or as an investment, most people will have the goal of eventually paying it off. A 30-year loan might seem like a long time to be making repayments, but you won’t be stuck paying interest if you’re able to pay it off sooner. Here are five ways to help achieve that that.
With our in-house mortgage broking division we bridge the gap between the countless
phone calls and emails between lender and accountant making your refinancing and borrowing much less stressful.
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SMART Business Solutions is a registered financial services provider and perfectly positioned to help you calculate the level of home loan you qualify to borrow and how to boost your borrowing power.
If you’re in the market for a financial advisor with knowledge of the property market and mortgages, SMART Business Solutions can team up with you to help you purchase a property at the best interest rates and on the most reasonable terms possible. We are here for you every step of the way, providing regular check-ins to ensure you stay on track to property ownership success!
Our in-house mortgage broking service makes your mortgage and lending needs so much easier, minimising the discord between accountant,
lender and product advice.
We'd love to help you find the best loan for your needs.
Equipment finance makes the most sense when it helps your business grow. If new machinery will increase productivity, open up new contracts, or allow you to expand your services.
A good rule of thumb is to match the finance term to the useful life of the asset. This ensures your repayments align with the equipment’s value to your business.
Commercial property has rebounded strongly, reaching $15.9 billion year-to-date through the second quarter of 2025.
Retail has positioned itself as one of the strongest performing sectors in the commercial property market.
With $7 billion in Games-related infrastructure investment already underway, demand for office space in engineering, construction and professional services sectors is increasing substantially.
Online loan calculators can give you a realistic estimate of your potential repayments without affecting your credit score.
Debt consolidation works best when the new loan has a genuinely lower interest rate and a reasonable term.
It’s human nature to make decisions based on how something makes us feel — but property investing is not the time for sentimentality.
Regional Australia remains an attractive option for capital city residents, with 26 per cent more people relocating to regional areas.
Traditionally, a 20% deposit is considered the safe minimum by lenders because it reduces their risk. Borrowers with less than 20% usually need to pay Lenders Mortgage Insurance (LMI).
The scheme enables eligible buyers to purchase a home with as little as a 5% deposit, while avoiding lenders’ mortgage insurance (LMI).
Equipment finance can be a huge boost for business growth, especially in certain industries. However, managing the world of equipment loans isn't always straightforward.
Choosing the right business loan for you and your business can be complex, especially when juggling multiple providers, structures, and repayment options.
According to latest Asia-Pacific Data Centre report, Melbourne's live IT capacity has reached 337.1MW, marking a 25.4% year-on-year increase.
New research shows that four of Australia’s six major capital cities have recorded substantial improvements in their CBD retail vacancy rates over the past year.
Australia's commercial property market has delivered strong evidence of a recovery with total returns surging to 4.94 per cent in Q2 2025.
The short answer is no. Many lenders offer no-deposit car loans, which means you can borrow the full value of the vehicle.
A travel loan is simply a type of personal loan that’s used specifically for holiday-related expenses.
Bridging loans can be a smart strategy for homeowners looking to upsize, downsize or relocate – especially in a competitive property market.
Australian housing values are gaining momentum with falling interest rates driving renewed growth in the property market.
Despite elevated interest rates causing stress to borrowers, trust in brokers remains high.
Investing in property isn’t just about mortgage repayments. There are significant upfront and ongoing costs to consider.
Low-doc loans are a practical solution when tax returns or full financial statements aren’t available.
The Australian business landscape is expanding, signalling a potentially strong future for commercial property markets.
Australia's commercial property market is showing signs of recovery after a challenging period, with tentative growth expected throughout 2025 and stronger performance anticipated in 2026.
According to the CBRE Lender Sentiment Survey, 56 percent of lenders expressed intentions to grow their commercial real estate exposures.
Property prices have surged in several markets since the Reserve Bank of Australia's first interest rate cut in February.
A personal loan can help improve your credit score if managed properly. Regular, on-time repayments show lenders you can handle debt responsibly.
Investors now represent a substantial portion of new lending, approaching record highs in some smaller states and reaching levels nationally
Familiarise yourself with auction rules and terminology. Understand how vendor bids work, and clarify all sale terms before auction day.
The end of the financial year (EOFY) is often one of the best times to snap up a bargain in the automotive market.
The Australian office market is showing encouraging signs of recovery in 2025.
SMART Business Solutions is proud to announce its recognition as the winner of Excellence in Local Community Connection (Medium–Large Business) and Excellence in Access and Inclusion at the 2025 Mornington Peninsula Business Excellence Awards.
It might seem like a clever strategy - moving surplus business cash into your personal mortgage offset account to save on home loan interest, then shifting it back to the company around tax time. But there’s a catch: the ATO sees this, and they’re not fans.
