Latest Mortgage and Finance News

Many of our lenders have announced their new serviceability rates now that APRA has removed the 7 per cent interest rate floor. Previously, many lenders ensured borrowers could service their loan at a rate of 7.25 per cent, as a safeguard against future rate rises....

The lending market shifts constantly in terms of policies, trends and lender requirements. Your circumstances may now be different since you last reviewed your loan. These changes create a great opportunity to do a mortgage health check, and reassess your finances to...

Comprehensive Credit Reporting – changes you need to know The term ‘bad credit rating’ strikes fear into the heart of any borrower. A poor credit history can lead to you paying higher rates for a loan, or may even mean you are unable to get a loan at all until your...

If you, or someone you know, is considering getting a foot onto the property ladder for the first time in 2019, you may be eligible for some pretty sweet financial incentives offered by our state government. In WA, the First Home Owner Grant (FHOG) provides eligible...

So, you’ve decided to buy a house. Choosing between polished wood and carpet is one thing. Getting your head around the logistics of financing your house is a whole other ball game. To give you a head start, we take you through some key mortgage terms. Mortgage Let’s...

  With prices stubbornly high around the country, more under 40s Australians are teaming up with friends or family members to buy their first property. It can be a win-win for both parties. Having someone else stump up half the deposit and share the expenses and...

  Saving for your first home is a big hurdle. A guarantor though, can help you enter the housing market. A guarantor is a close family member who guarantees the security of your loan using equity in their house. Your loan is secured by both the property you are...

  There are lots of great things about working for yourself. You get to start work and knock off when you decide. You are your own boss! But how does being self-employed affect you getting a mortgage? Here, we help you navigate the process. Get your paperwork in order...

Business lending, Mandurah Buying a business is a big and exciting commitment and, in most cases, an investment that will shape your life. If you’ve decided to start your own business Smartline Personal Mortgage Advisers @ 8 Sholl Street Mandurah provide the best...

Cash Flow Lending Do you want to grow your business, develop new products or invest in new equipment?  Don't let irregular cash flow stand in your way. Brad Kenworthy at Smartline Mandurah is a Cash Flow Lending Specialists and can help you to access the money you...