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.
A personal loan can help improve your credit score if managed properly. Regular, on-time repayments show lenders you can handle debt responsibly.
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.
Commercial properties showed remarkable strength in 2024, with the essential service sectors driving significant growth across the Australian market.
Creating an effective budget is crucial for successful saving. One way to do this is to set up multiple debit cards for different spending categories.
Debtor finance is a financial arrangement where a business uses its accounts receivable (unpaid customer invoices) as collateral to secure funding.
Asset finance can be a powerful tool to help businesses work their way through the season smoothly while setting up for long-term growth.
The Australian commercial property market is set for a rebound in 2025, amid changing market conditions and renewed investor interest expected to lead the recovery.
The commercial property market is entering a period of strategic change, with new trends reshaping investment opportunities across various sectors.
While most car loans typically run for three to five years, extending beyond this can lower your monthly repayments.
Properties in markets with high supply levels or significant fluctuations in prices may be seen as higher risk.
Banks use this credit score to assess your creditworthiness, and it can significantly impact your ability to secure good financing terms.
For many Australians, purchasing an investment property first – known as 'rentvesting' – can be a smarter financial strategy.
The property investment landscape in Australia is experiencing a significant shift, as Queensland approaches Victoria's position as the second-largest investor market in the country.
Open homes can be overwhelming for first-time buyers. With so much at stake, asking the right questions is crucial to making an informed decision.
A good credit score can lead to better loan terms, lower interest rates and smoother approval processes.
Asset finance can be a powerful tool for startups looking to purchase equipment and technology without using up their cash reserves.
Sydney has emerged as Australia's retail powerhouse, while office markets across the country continue to face challenges.
Commercial properties leased to established charities are emerging as highly sought-after investments.
Australia's construction sector, with commercial and infrastructure projects reaching record levels while residential development declines.
Car loan refinancing involves replacing your existing car loan with a new one. The new loan pays off your existing debt, allowing you to start making payments on the refinanced car loan.