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.
While commercial property is a little more difficult to understand than residential, it offers several significant advantages for investors.
By using a guarantor to get a home loan, you can potentially put down a lower deposit. However, it doesn’t necessarily mean you will be able to borrow more money.
Even if you can’t quite afford your dream home right now, there are still other options to get onto the property ladder a lot sooner than most people think.
While the suburb and area are important factors in property selection, many investors fail to identify some of the red flags that might weigh on a property’s potential for growth.
While everyone loves talking about property in Australia, the reality is that few people are experts. Here are some of the most common property investment myths plus some good ideas to consider.
Now that the new financial year is here, it’s time to start looking at all the ways you can make the most of your investment property. If you want to claim your expenses on your rental property, it’s vital that you have good records.
When property markets are hot, vendors often choose to go to auction to try and attract the very best price they can. However, many vendors are open to accepting an offer prior to the start of the auction itself.
With the spring selling season just around the corner and property markets looking very strong, many potential sellers are looking at ways to spruce up their homes.
If your current lender is not prepared to give you a better deal then it might be well worth taking the time to speak with a mortgage broker to find a lender that will. Here’s how to refinance your current home loan.
In the past 12 months we have seen record numbers taking out fixed-rate home loans. Particularly during COVID-19 times, it's worth considering what might happen with interest rates in the future and whether that means you too should think about a fixed-rate home loan.
The RBA has made it known that interest rates are likely to stay low for a while yet; however, there is increasing evidence to suggest that they will need to rise sooner rather than later.
Whether you’re a first-time home buyer looking to find your feet or a refinancer looking for certainty, there are clearly several factors to consider when shopping for a home loan.
Buying a residential property versus purchasing an investment property involves entirely different considerations. Here are the vital criteria to be on look-out for when selecting the right home loan for your investment property purchase.
A mortgage offset account is among the top home loan features available. And using one correctly can significantly impact your monthly repayments and how much you end up paying for your loan.
If you have a home loan, there are many reasons you may consider refinancing. That could include wanting to borrow more, access different home loan features or simply to get a better interest rate. We explore the more common reasons for refinancing, including a few you may not have thought of.
There are several reasons motivating homeowners to refinance. It could be to achieve a lower interest rate or move from a fixed rate to a variable rate loan or vice-versa. If you’re thinking about switching loans, you need to consider the costs of any penalties – if relevant – versus any savings you stand to make.
Borrowing capacity is the amount of money a lender or mortgage broker is willing to extend to you to purchase a property. It is also a measure of your ability to make ongoing loan repayments.
| The Fair Work Commission (FWC) has handed down its 2026 Annual Wage Review, and the numbers are in. From 1 July 2026, the national minimum wage will rise by 5.97%, and modern award minimum rates will increase by 4.75%. |
Now's the time to review what strategies you can use to minimise your tax before 30 June.
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