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.
SMSF Lending
Investment Properties
Refinancing
Commercial Lending
Bridging Loans
Loan Negotiations
Pre-Approvals
Construction Loans
Debt Consolidation
Land Purchasing
Equipment Finance
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.
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.
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.
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.
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. |
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.
Get the latest updates on lending and property.
The Property Council of Australia's latest Office Occupancy survey found that Perth’s office occupancy rate continued to improve between May and June (63 to 65 per cent), and Melbourne’s lifted slightly (48 to 49 per cent), while occupancy levels in the ACT declined (60 to 53 per cent).
Debt levels have been steadily rising over the past few decades, but it’s important to understand that not all debt is bad. If you’re finding yourself getting into too much debt through the use of credit cards, there are a few steps you can do to get out of it.
With upward pressure on prices across many sectors of the economy, being able to effectively manage your cash flow is more important than ever. One way businesses can help their cash flow is to finance their heavy or costly equipment.
Renovating a home is a great way to increase both its value and your rental yield, if you’re an investor.
Rentvesting involves renting where you want to live and investing in a property elsewhere so you can get your foot on the property ladder.
Everyone knows you don't pay tax on the sale of your family home, right..? We take a closer look at the main residence exemption that excludes your home from capital gains tax and the triggers that reduce or exclude that exemption.
Industrial property has been one of the best performers over the past two years and its record run should continue, according to a leading expert.
On the back of a strong Australian economy and solid property market, office investment is set to surge according to new analysis from Knight Frank.
When people buy a car these days, many will use some form of finance. While using finance to purchase a car can help you get the vehicle you want now, it’s important to make sure you’re properly comparing loan options and not just taking what a dealership has to offer.
With interest rates tipped to rise as the RBA begins to return the cash rate to a more normal level, homeowners are wondering what the best way to handle this new environment might be.
Unlike other purchases, it’s not possible to return a car if you get home and decide you don’t like it.
With interest rates at record low levels, many homeowners are considering the possibility of fixing their interest rate on the home loan.
Lenders Mortgage Insurance can be a great tool to help homebuyers get into a property that they otherwise might not be able to afford. However, it comes with a cost.
When buying a home, to live in or as an investment, most people will have the goal of eventually paying it off.
After a strong 12 months, industrial property is set to see further upside according to a leading valuer.
If you’re setting the goal of purchasing a home in the coming year, it might be time to start getting your financials in order ahead of time.
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.
.jpg)
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.
It would seem SMSF loans have become an increasingly popular way to access the capital required to get a foothold on the property ladder.
.jpg)
