16
12.11
3:04
Because a home loan can be a long-term commitment, it’s important to think beyond the immediate time horizon when considering your home finance needs to ensure you end up with a home loan that has the ability to accommodate your future needs.
Life is full of change – much of it …
02
12.11
10:13
Smartline’s mortgage brokers are spending more time preparing loan applications and gathering sometimes hundreds of pages of supporting documentation to secure loans for clients – leaving ‘no stone unturned’.
That’s good to know, because there’s a range of factors that can see a loan application being refused. But, the trend …
14
10.11
8:11
Often borrowers mistakenly believe that all lenders are the same and that there is no scope to reduce loan costs – unless you threaten to leave your lender.
But that’s far from the truth. Those who have already sought assistance from their Smartline Adviser will know this to be true. So, …
09
06.11
9:34
If you’re intending to borrow in the near future, you should ensure your finances are well organised to not only minimise approval times, but also maximise the amount you can borrow
Having your ‘financial house in order’ can be as simple as having your tax returns up-to-date, making all bill and …
03
03.11
1:02
Don’t just ‘jump ship’ – test the water first
Mortgage holders should be cautious about making hasty decisions about moving their home loan following offers of cash incentives, reduced interest rates and new product offerings by the major lenders.
Don’t be tempted to ‘jump ship’ without first considering exactly what …
05
01.11
10:48
For homeowners looking to maximise household cash flow in 2011, there are ways to manage the mortgage and get ahead.
Set up an offset account
An offset account is a separate deposit account linked to your home loan. The interest earned on the savings is offset against the …
22
12.10
10:43
Not All Lenders are the Same
There is a widely held view that all banks are the same, offering pretty much the exact same products with the exact same requirements, and that there’s little competition in the lending market.
That mistaken belief could be costing borrowers thousands of …
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North Ryde NSW 2113
Phone: 13 14 97
Website: www.smartline.com.au
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Established in 1999, Smartline is an award winning, Australian-owned finance and mortgage loan broker with over 200 franchise owners throughout Australia. Smartline is committed to set the benchmark in Australia for mortgage advice and client care.
