Smartline Home Loans

A new generation of borrowers is finding it increasingly challenging to secure a home loan, despite having the financial means to meet repayments.

Self employed business owners taking advantage of every claim at tax time could be severely limiting their borrowing capacity. Minimising taxable income means reduced access to home loans and borrowing capacity.

Many couples starting a family juggle mortgage repayments with bringing up baby on a single income, but a little planning goes a long way in helping new parents ease the financial burden. Read the latest mortgage tip from Smartline Mortgage Advisers.

Smartline Personal Mortgage Advisers has partnered with Aon Financial Planning & Protection to extend its risk insurance offering.

Smartline has again been named Australia’s top franchise. Topfranchise.com.au ranked Smartline number one in its latest top 10 list released this week, following a survey of franchisees from the best known franchise systems across the country.

Debt consolidation is used by many home-owners as a way to “clean up” their personal balance sheet and free up household cash flow – but it can have its drawbacks. Mr Chris Acret of Smartline Home Loans outlines some cautions for consumers.

Since the mid 90s Australian mortgage providers have been operating under well-constructed regulatory guidelines designed to encourage responsible lending. Depending on the lenders risk management policies your capacity to borrow will vary greatly.

An unprecedented number of home-owners will come out their fixed rate home loan in the next six to 12 months, with many unsure what their next move should be in an environment of rising interest rates.

There is a lot more to sourcing and managing the finance around your investment property purchase than simply telling your bank how much deposit you’ve got, what security you are offering and getting a loan ‘off the shelf’.

While your home loan might be the right one for you at the time you take it out, you should review the loan regularly, as there might be a more suitable option as your circumstances change, or as new products are launched.