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.
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.
A cash flow forecast for the year ahead will help you anticipate slow periods, identify upcoming expenses, and plan for investment opportunities.
Planning ahead can prevent surprise tax bills and smooth out your cash flow.
Australia has established itself as the world's second most attractive data centre investment market, with only the United States receiving more capital inflow in this rapidly expanding sector.
The Northern Territory's commercial property market is experiencing significant growth, with Darwin emerging as a new hub for investors across multiple sectors.
The surge in confidence comes amid February's interest rate cut and expectations of further reductions throughout 2025, creating a more optimistic outlook across most sectors and states.
Making strategic investments in new assets before EOFY can position your business for growth in the year ahead.
Struggling with loan repayments? Discover the truth about financial hardship arrangements, how they impact your credit, and the proactive steps you can take to regain control.
A business line of credit can help cover operational expenses like wages, rent, and stock.
A business loan can provide the working capital needed to cover short-term expenses like wages, rent, supplier invoices, or utility bills, without disrupting day-to-day operations.
Large format retail (LFR) continues to stand out as an investment class across Australia's commercial market, with strong yields compared to other assets
Businesses across Australia are shifting from rapid warehouse expansion to strategic consolidation as they face rising real estate costs and normalising e-commerce demand in 2025.
The commercial property market is showing signs of recovery after a challenging two-and-a-half-year period of declining valuations.
Whether you're planning a lap of Australia or a weekend escape, owning a caravan or camper can be a great investment in lifestyle.
One of the biggest benefits of debt consolidation is the potential to reduce how much interest you’re paying.
Lenders assess defaults on a case-by-case basis. What’s most important is the context surrounding the default and how your financial situation has changed since.
Some lenders will assess your income using Australian tax rates, even if you're living in a country with lower tax obligations.
Under the expanded program, income thresholds will increase from $90,000 to $100,000 for singles and from $120,000 to $160,000 for couples or single parents.
Federal elections have little effect on Australia's property market, despite common perceptions, according to new research.
What does it take to turn a modest property portfolio into a self-sufficient powerhouse? In this episode of The Accountant That Builds, Shannon Smit invites you into the fascinating journey of property investment, revealing the key steps, strategies, and mindset shifts that can transform two properties into a thriving, cash flow-neutral portfolio.
Paying off your mortgage is a significant financial milestone, but once you’ve reached the halfway mark, what’s the best next step? Should you continue aggressively paying it down, start investing, or focus on building your superannuation?
If you’re wondering whether it’s possible to finance your wedding, the answer is yes. A wedding loan could help cover your expenses while allowing you to spread the cost over time.
Retail fitouts require a strategic approach to attract customers and drive sales. A visually appealing and functional layout can influence purchasing behaviour, making the investment critical.
With the right strategy and financial discipline, borrowers can take full advantage of rate cuts and get ahead on their mortgage, potentially saving hundreds of thousands in interest.
The latest Office Market Report from the Property Council has found that CBD office vacancy experienced only a marginal increase from 13.6 to 13.7 per cent over the six months to January 2025.
The Australian commercial property market has demonstrated remarkable resilience, with foreign investment surging particularly in the final quarter of 2024
Commercial property investment is set to surge in 2025, with premium assets in key CBD locations.
Equity is the difference between what you owe on the loan and the car’s trade-in value.
Rental growth is expected to moderate to between 3.5% and 4.5% over the next two years, down from the peak of 7.8% observed in March 2024.
Self-Managed Super Funds (SMSFs) offer Australians greater control over their retirement savings, and property investment is one way people can take advantage of this flexibility.
Purchasing a home as a couple is a major financial and emotional milestone. Beyond simply owning property together, it signifies a long-term commitment to shared financial and lifestyle goals.
Asset finance is a flexible funding solution that allows businesses to acquire essential equipment without paying the full cost upfront.
Purchasing early in the year can provide six months of tax benefits, and various financing options are also available, including no-deposit solutions.
With summer well and truly here, and perfect boating weather on the horizon, many Aussies are looking at the best way to finance their dream vessel.
The report reveals that 84 per cent of first-home buyers preferred to purchase sooner with a smaller deposit, rather than delay their purchase to save more.
The scheme allows eligible Australians to purchase property with the government contributing up to 40 per cent of the purchase price for new homes and 30 per cent for existing properties.
Mortgage brokers have access to a broad panel of lenders, ranging from major banks to specialist lenders.
Equipment finance offers a flexible solution for acquiring the assets your business needs without significant upfront costs.
Shannon Smit, Founding Director of Smart Private Wealth, has been awarded the prestigious Excellence in Innovation award at the 2025 Count Financial Awards, recognising her ground-breaking leadership in transforming how financial advice and professional services are delivered in Australia.
We’ve all seen it: slick social media reels, perfectly filtered property gurus, and bold AI influencers promising fast wealth. But in Australia’s regulated finance and property landscape, chasing that hype can lead to more heartbreak than haul.
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