Services

We understand that purchasing your first home is a significant milestone, and our goal is to make this process as smooth as possible. Our experienced team of Mortgage Brokers is dedicated to providing expert guidance and personalised support, ensuring you secure the right home loan for your unique needs. Whether you’re just starting to explore your options or ready to make an offer, our Mortgage Brokers is here to help you every step of the way.

Investing in property is one of the most effective ways to build wealth and secure your financial future. Whether you’re a first-time investor or looking to expand your portfolio, financing is crucial to your success. We provide personalised investment property loans that align with your financial goals and investment strategy. Our knowledge of the real estate market, combined with our commitment to personalised service, ensures that you receive suitable loan options for purchasing your investment property. With Smartfinn Advisors by your side, you can be confident that your financial needs are fully supported.

Refinancing your loan can be a powerful way to improve your financial situation, whether to lower your interest rate, reduce monthly payments, or pay off your loan sooner. At Smartfinn Advisors, we specialise in providing expert refinancing solutions personalised to your needs. We aim to help you secure better terms, giving you the financial flexibility and peace of mind you deserve. With our deep understanding of the refinancing process and our commitment to customised service, our Mortgage Broker will work with you to take advantage of the benefits a refinancing can offer. Whether you’re refinancing a mortgage or another loan, our team guides you every step, ensuring a smooth and successful experience.

Building your dream home or undertaking a significant renovation is exciting, but it requires the right financial support to realise your vision. Construction loans are specifically designed to finance the building process, providing the flexibility to pay for your project in stages as it progresses. At Smartfinn Advisors, we specialise in offering construction loans customised to meet your project’s unique needs, whether you’re starting from scratch or expanding your current home. We aim to give you the financial foundation to build your dream home confidently.

Transforming your home into the space of your dreams often requires more than just a vision—it requires the right financing. At Smartfinn Advisors, we specialise in property renovation loans, providing customised financial solutions that align with your needs and goals. Whether you’re looking to modernise an outdated kitchen, add an extension, or undertake a complete home rebuild, our expert team is here to guide you through every step of the loan process. With Smartfinn Advisors, you can confidently finance your renovation, knowing we’ve covered you from start to finish.

Whether you’re looking to purchase a new or used car, securing the right financing is key to getting behind the wheel of your dream vehicle. At Smartfinn Advisors, we specialise in providing customised vehicle loans to meet your unique needs and budget. As experienced vehicle loan brokers, we understand car financing and are here to guide you through every step of the process. With Smartfinn Advisors, you can enjoy a seamless experience, ensuring you drive away with a loan perfectly suited to your financial situation. Let us help you turn your dream car into a reality with a loan solution that works for you.

Whether planning a major purchase, consolidating debt, or covering unexpected expenses, a personal loan can provide the financial flexibility you need to achieve your goals. At Smartfinn Advisors, we specialise in offering customised personal loans to fit your unique financial situation. Our commitment to personalised service ensures that you get the right loan with terms that suit your needs, allowing you to take control of your finances confidently. With our team by your side, we will find the right loan for your needs so you can focus on what matters most.

Self-Managed Super Funds (SMSFs) offer a powerful way to take control of your retirement savings and invest in assets that align with your financial goals. One of the most effective strategies within an SMSF is investing in property, which can be facilitated through an SMSF loan. At Smartfinn Advisors, we specialise in providing SMSF loans that are Customised to your specific investment strategy, helping you leverage your superannuation to build wealth for the future. With our expertise in SMSF loan financing and compliance, we guide you through the process, ensuring you have the financial support needed to make informed and confident investment decisions. Let Smartfinn Advisors help you maximise the potential of your SMSF with a loan solution designed to meet your long-term goals.

Acquiring the right assets is crucial for the growth and success of any business, but it often requires significant upfront investment. Asset finance offers a flexible solution, allowing businesses to obtain essential equipment, vehicles, and machinery without large capital outlays. We specialise in customised asset finance solutions for your business’s specific needs. As experienced asset finance brokers, we understand the challenges of balancing cash flow with business expansion, and we’re here to guide you through every step of the financing process. With Smartfinn Advisors, you can secure your business’s assets to thrive with financing options customised to your goals.

Securing the right financing is crucial for business growth, whether you want to expand operations, acquire commercial property, or refinance existing debt. At Smartfinn Advisors, we specialise in providing commercial and business loans customised to meet your business’s unique needs. As experienced commercial mortgage loan brokers and business loan specialists, we understand how difficult business financing can be and are here to guide you through every step of the process. With Smartfinn Advisors, you can access the financial resources you need to take your business to the next level, backed by expert advice and Customised loan solutions that align with your goals.

Self-employed loans are specifically designed to accommodate the unique financial circumstances of individuals who run their own businesses or work as freelancers. These loans cater to borrowers whose income may fluctuate or come from various sources, making it harder to meet traditional lending criteria. Common types of self-employed loans include home loans, personal loans, and car loans, which are personalised to suit the needs of those who do not have regular salaried income.

Since self-employed individuals often lack the standard financial documentation provided by salaried employees, such as consistent pay slips, lenders typically require alternative forms of proof to assess income stability. Documents like tax returns, profit and loss statements, and business activity statements (BAS) are often used to evaluate a borrower’s financial health.

A non-resident loan is a type of financing available to individuals who are not permanent residents or citizens of Australia but wish to secure a loan for personal, investment, or home purchases within the country. Non-resident loans cater to a variety of borrowers, including foreign nationals, temporary visa holders, and expatriates. These loans enable non-residents to access financing for purchasing property, managing personal expenses, or investing in Australian assets.

Non-resident loans differ from standard loans offered to Australian citizens and permanent residents due to the higher risk perceived by lenders. As a result, these loans often come with stricter eligibility requirements, higher interest rates, and additional documentation. In some cases, non-residents must also gain approval from the Foreign Investment Review Board (FIRB) to purchase property in Australia, especially if they are not permanent residents.

A trust loan is a type of financing that allows a trust to borrow money for various purposes, including purchasing property, making investments, or distributing funds to beneficiaries. Trusts, which are legal entities that hold and manage assets on behalf of beneficiaries, can access loans similarly to individuals or businesses. These loans are typically used by family trusts, unit trusts, or discretionary trusts to manage or grow assets.

Unlike standard personal loans, trust loans involve more complex legal structures, as the trust itself is borrowing the funds rather than an individual. Trustees, who are responsible for managing the trust’s assets, work with lenders to secure the loan under the trust’s name, with the loan repayments being made from the trust’s income or capital.

A guarantor home loan is a type of mortgage that allows borrowers, typically first-time homebuyers, to secure a home loan with the support of a guarantor. A guarantor is usually a family member (often a parent) who agrees to use their own property as additional security for the loan. This reduces the lender’s risk, making it easier for the borrower to get approved for a loan, even with a lower deposit or limited credit history.

The guarantor doesn’t provide any cash but instead uses the equity in their own home to back the borrower’s loan. This arrangement can help borrowers secure a home loan with a smaller deposit and avoid Lenders Mortgage Insurance (LMI), which is usually required when the borrower has less than a 20% deposit.

Guarantor home loans are a good option for those who struggle to meet standard lending criteria, such as young buyers or those with limited savings. At Smartfinn Advisors, we help borrowers navigate the guarantor loan process, ensuring that both the borrower and the guarantor understand their responsibilities and can achieve favourable loan terms.

A home equity loan allows you to borrow money by leveraging the equity you’ve built in your property. Equity is the difference between the current market value of your home and the remaining balance on your mortgage. By tapping into this equity, homeowners can access a lump sum loan to finance various needs, with the loan secured against the property.

In Australia, the amount you can borrow with a home equity loan is typically determined by the lender’s assessment of your property’s value and outstanding mortgage balance. Unlike other types of loans, a home equity loan offers fixed repayment terms with a set interest rate that can provide stability over the repayment period.

At Smartfinn Advisors, we help Australian homeowners unlock the potential of their property’s equity, providing personalised home equity loan solutions with competitive rates and flexible repayment options.

Lender’s Mortgage Insurance (LMI) is an insurance policy designed to protect lenders in the event that a borrower defaults on their home loan. It is typically required when a borrower provides a deposit of less than 20% of the property’s value, as a smaller deposit is seen as a higher risk for the lender. While LMI protects the lender, it is the borrower who pays the insurance premium, which can amount to thousands of dollars depending on the loan size and deposit amount.

LMI can be paid upfront as a lump sum or added to the total loan amount, spreading the cost over the life of the mortgage. For many first-time homebuyers and those with smaller deposits, LMI is a necessary cost to enter the property market sooner. In certain situations, borrowers may be able to have LMI waived, which can lead to significant savings.

Low deposit home loans are designed to help buyers enter the property market with a smaller upfront deposit—typically ranging from 5% to 10% of the property’s value—rather than the recommended 20% deposit that most lenders require. These loans offer a practical solution for buyers who have a steady income and a good credit profile but haven’t yet saved a large deposit, making homeownership more accessible sooner.

While traditional home loans require significant savings to meet deposit requirements, low-deposit home loans allow buyers to borrow a higher percentage of the property’s value. In many cases, this means borrowing up to 90-95% of the purchase price. Lenders may require borrowers to pay the Lender’s Mortgage Insurance (LMI) if the deposit is below 20%, which protects the lender in case the borrower defaults on the loan.

At Smartfinn Advisors, we specialise in guiding clients through the process of securing low-deposit loans, offering personalised advice and personalised loan solutions to meet their financial needs.

No-deposit home loans are a type of mortgage that allows you to buy a property without needing to save for a traditional deposit, which is typically 5-20% of the property’s value. Instead of requiring a down payment upfront, lenders may provide 100% of the purchase price under specific conditions. This can make it easier for first-time buyers or those with limited savings to enter the property market sooner.

It’s important to note that while true “no deposit” home loans are offered by very limited lenders, there are various ways to secure a loan with little to no upfront savings. Options include using a guarantor home loan, additional borrowing for deposit and stamp duty provided it is supported by income, leveraging equity in an existing property, or taking advantage of government schemes designed to support first-time homebuyers. At Smartfinn Advisors, we help guide clients through these options, ensuring they secure the appropriate loan terms for their financial situation.

A bad credit loan is a type of financing designed specifically for individuals with lower credit scores or a less-than-ideal credit history. These loans are structured to provide access to funds when traditional loans may not be an option. Because lenders consider these loans at a higher risk, they often come with higher interest rates. They provide a valuable opportunity for those with poor credit to secure the money they need for emergencies, debt consolidation, or other financial needs. At Smartfinn Advisors, we understand the challenges of obtaining financing with bad credit, and we offer personalised loan solutions to help you move forward financially, even when other lenders may say no.

Home loans for doctors and certain other categories of Health Professionals are specialised mortgage products designed to cater to the unique financial needs of medical professionals. Given their stable and high-earning potential, lenders offer exclusive loan packages that often come with favourable terms compared to standard home loans. These home loans are personalised specifically for health professionals, offering benefits such as reduced deposit requirements, waived Lender’s Mortgage Insurance (LMI), and competitive interest rates.

Home Loans for Health Professionals are structured to recognise the financial profile of medical practitioners, including their ability to manage higher borrowing capacities and maintain a stable income. At Smartfinn Advisors , we provide health professionals access to these exclusive loan products, ensuring that medical professionals can secure favourable home loan terms and achieve their homeownership goals more easily