Mortgage and Lending

HomeServices

More than accounting advice.


Not all mortgage brokers are created equal. Our holistic approach to lending, accounting and financial planning means we bridge the gap in the client experience, eliminating the frustration from delays that are often inevitable with multiple stakeholders involved in the lending process.

Our mortgage brokers offer the advantage of having of an accounting background, meaning we’re looking at your figures with a strategic mind. We will ask you more questions and we’ll go deeper in our process.

Why? So that you end up with a loan that offers longevity, minimising the need to refinance again in a short time frame - avoiding a stressful and often costly exercise on both your time and money.

VISIT www.smartmortgagebroking.com.au VISIT www.smartmortgagebroking.com.au

We specialise in

SMSF Lending
Investment Properties
Refinancing
Commercial Lending  
Bridging Loans  
Loan Negotiations
Pre-Approvals
Construction Loans
Debt Consolidation  
Land Purchasing
Equipment Finance


What would you like to do?



I want to buy a home

Buying a home can be highly emotional. It's exciting, stressful, joyful and sometimes frustrating. We aim to minimise the negative emotions, so you can focus on the positives, by offering our holistic approach to lending.

FIND OUT MORE


I want to build a home

Building a home involves a different approach to lending. It's a bigger risk for lenders and requires more skilled, more strategic mortgage brokers who understand the issues and can mitigate them. We know how.

FIND OUT MORE


I want to buy an investment

Property investment can offer a solid return on investment. Our expert team are skilled at investment loans, including complex SMSF lending, offering the foresight of accounting & financial planning.

FIND OUT MORE


I want to refinance

Any mortgage broker can refinance. Our difference is to get to know you, your goals and your longer term plans better so we can advise on a loan with longevity, minimising your time and efforts to get what you need.

FIND OUT MORE


Get in touch

Our holistic approach to taxation, accounting and financial planning means we bridge the gap in the client experience, eliminating the frustration from delays that are often inevitable with multiple stakeholders involved in the lending process.

We invite you to book a Complimentary 15-Min Discovery Meeting with our lending team.


Shannon Smit, Credit Representative Number 533133 is a credit representative of SMART Business Solutions Mortgage & Lending Pty Ltd (Authorised Credit Representative 527754, ACN 611 647 922). Authorised under outsource Financial Pty Ltd, Australian Credit Licence 384324.  
Disclaimer: This is general information only and is subject to change. Your complete financial situation will need to be assessed before acceptance of any proposal or product.
View our Privacy Policy.


What does a mortgage broker do?

Put simply, our mortgage broker advisory can take the time and hassle out of hunting around for the right home loan ensuring we take into consideration your entire financial picture ensuring a better outcome for you.


Finds the right loan


Read More Read More

 Competitive interest rates

Read More Read More



Assist with refinancing



Read More Read More


Explains using home equity



Read More Read More

Find Out
More


CONTACT US

Get the latest updates on lending and property.

Subscribe To Our Mortgage & Lending Newsletter.


Are debt consolidation loans worth it?

Debt consolidation works best when the new loan has a genuinely lower interest rate and a reasonable term.


4 Mistakes Property Investors Still Make

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 continues to attract city dwellers

Regional Australia remains an attractive option for capital city residents, with 26 per cent more people relocating to regional areas.


How to get into the marker sooner without a 20% deposit

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).


Home guarantee scheme to open doors for more first home buyers

The scheme enables eligible buyers to purchase a home with as little as a 5% deposit, while avoiding lenders’ mortgage insurance (LMI).


Top 5 Mistakes Business Owners Make With Equipment Finance

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.


How to choose the right business loan for growth

Choosing the right business loan for you and your business can be complex, especially when juggling multiple providers, structures, and repayment options.


Melbourne emerges as australia's fastest-growing data centre hub

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.


CBD retail recovery gains pace across Australia

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.


Commercial property market confirms its recovery

Australia's commercial property market has delivered strong evidence of a recovery with total returns surging to 4.94 per cent in Q2 2025.


How much deposit do i need for a car loan?

The short answer is no. Many lenders offer no-deposit car loans, which means you can borrow the full value of the vehicle.


Plan your next holiday with a travel loan

A travel loan is simply a type of personal loan that’s used specifically for holiday-related expenses.


Pros And Cons Of A Bridging Loan Instead Of Sitting In Limbo

Bridging loans can be a smart strategy for homeowners looking to upsize, downsize or relocate – especially in a competitive property market.


Housing values accelerate as interest rates fall

Australian housing values are gaining momentum with falling interest rates driving renewed growth in the property market.


Trust in mortgage brokers remains high

Despite elevated interest rates causing stress to borrowers, trust in brokers remains high.


How to know if you can afford an investment property

Investing in property isn’t just about mortgage repayments. There are significant upfront and ongoing costs to consider.


5 Advantages Of A Low-Doc Business Loan

Low-doc loans are a practical solution when tax returns or full financial statements aren’t available.


NSW government to reshape commercial property landscape

The Australian business landscape is expanding, signalling a potentially strong future for commercial property markets.


Commercial property market poised for growth in 2026

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.


Lenders remain optimistic about commercial real estate market

According to the CBRE Lender Sentiment Survey, 56 percent of lenders expressed intentions to grow their commercial real estate exposures.


Inner melbourne leads property price surge after rate cut

Property prices have surged in several markets since the Reserve Bank of Australia's first interest rate cut in February.


Understanding The Pros And Cons Of Personal Loans

A personal loan can help improve your credit score if managed properly. Regular, on-time repayments show lenders you can handle debt responsibly.


Investor activity reaches near-decade highs across Australia

Investors now represent a substantial portion of new lending, approaching record highs in some smaller states and reaching levels nationally


How first home buyers can buy at auction

Familiarise yourself with auction rules and terminology. Understand how vendor bids work, and clarify all sale terms before auction day.


Why should buy a car at the end of the financial year

The end of the financial year (EOFY) is often one of the best times to snap up a bargain in the automotive market.


Australian office market shows signs of recovery

The Australian office market is showing encouraging signs of recovery in 2025.


5 strategies to streamline your cash flow before EOFY.

A cash flow forecast for the year ahead will help you anticipate slow periods, identify upcoming expenses, and plan for investment opportunities.


7 Tax Strategies For Property Investors Ahead Of EOFY

Planning ahead can prevent surprise tax bills and smooth out your cash flow.


Australia emerges as a leading data centre market

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.


Darwin’s commercial property market is booming

The Northern Territory's commercial property market is experiencing significant growth, with Darwin emerging as a new hub for investors across multiple sectors.


Commercial property soars to an 8 year high

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.


Why EOFY is a good time to look at asset finance.

Making strategic investments in new assets before EOFY can position your business for growth in the year ahead.


Hardship Happens. What Matters is What You Do Next

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. 


Smart finance strategies for seasonal businesses

A business line of credit can help cover operational expenses like wages, rent, and stock.


Top 5 reasons growing businesses can use a business loan

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 emerges as a solid investment option

Large format retail (LFR) continues to stand out as an investment class across Australia's commercial market, with strong yields compared to other assets


Industrial property occupiers look at strategic consolidation

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.


Commercial property market reaches a turning point

The commercial property market is showing signs of recovery after a challenging two-and-a-half-year period of declining valuations.


5 tips for getting best deal when trading in your car

Whether you're planning a lap of Australia or a weekend escape, owning a caravan or camper can be a great investment in lifestyle.


The benefits of debt consolidation

One of the biggest benefits of debt consolidation is the potential to reduce how much interest you’re paying.


Can you refinance with a default on your record?

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.


How to get a home loan as an expat

Some lenders will assess your income using Australian tax rates, even if you're living in a country with lower tax obligations.


Government expands help to buy scheme with higher caps

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.


Elections have minimal impact on the property market

Federal elections have little effect on Australia's property market, despite common perceptions, according to new research.


Episode 18: From 2 to 10 - Building a Self-Sufficient Property Portfolio

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.


Paid Half Your Mortgage? What to Do Next.

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?


Is it possible to finance your wedding?

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 Vs Office Fitouts

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.


How to Use the Rate Cut to Pay Off Your Mortgage Sooner

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.


Office vacancy rates hold steady despite new supply surge

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.


Foreign investment drives australian commercial property surge

The Australian commercial property market has demonstrated remarkable resilience, with foreign investment surging particularly in the final quarter of 2024


Premium office property poised for strong growth

Commercial property investment is set to surge in 2025, with premium assets in key CBD locations.


How to trade in your car

Equity is the difference between what you owe on the loan and the car’s trade-in value.


Property market set for growth in 2025, stronger gains in 2026

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.