Time and paperwork: leave it to your mortgage broker

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 …

Are you a renter-investor?

If you are, you’re one of a savvy group of first homebuyers who have chosen to purchase an investment property instead of their first home.

The rise of the first homebuyer as ‘renter-investor’ shows borrowers are thinking outside the square to get a foothold in the property market without compromising lifestyle.

Not …

Be a proactive mortgage holder – and save

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 …

Investing on a low income

If you do your homework and have a creative approach, investing on a low income can be a great vehicle for long-term wealth creation.

Property choice is critical

The best types of property for investors on low incomes are those at the lower end of the scale in price …

We have Short Memories

Throughout the GFC the RBA made a number of deep cuts to the cash rate in order to stimulate the Australian economy.
During this time our banks broke away from the standard convention of matching the …

How Powerful is the RBA?

Just picked up a fantastic little article out of the “RP Data Research” blog site. Thought you might appreciate a quick run down on its main points.
As you can quickly see below, mortgage interest rates are demonstrated to have a very strong lagging influence on consumer confidence.
When …

Investors – want more cash in your pocket?

One of the accountants I work with recently sent through a great piece of information for investors.

Jane Zhang from LJR BanTacs Accountants in Burwood tells how to avoid getting big lump sums back each year and instead spread your property related deductions over the year to smooth out your pay …

Pay off your home loan faster

Want to be mortgage free sooner? We have some smart strategies to reduce debt and put you on the fast track to paying off your home loan as quickly as possible.

For most of us, paying off a home loan as …

The State of Play in the USA

As you know, debt is my business and I work on budgets and affordability calculations every day. One of our clients recently sent this information though about the American Government and it frankly shocked me.

Many of us sat back and wondered why there was such a fuss about raising the …

Contact

Phone: 02 9712 4139
Mobile: 0403 845 518
Fax: 02 8088 7177
Email: singram@smartline.com.au
Website: www.smartline.com.au/singram

About

Established in 1999, Smartline is an Australian-owned finance and mortgage loan broker with over 200 franchise owners throughout Australia. Smartline Chiswick is committed to set the benchmark in Australia for mortgage advice and client care. Shannon Ingram is a fully qualified and trained mortgage broking professional who “live and breathe” home loans.

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