Home / Loans / Home Loans

Home Loans

Whether you are a first-time homebuyer, looking to refinance, or investing in property, our experienced team of Mortgage Brokers is here to provide expert guidance and support. We understand that securing a home loan is one of the most significant financial decisions you will make, and we are committed to helping you find the right loan options.

Our Home Loan Process

Step-by-Step Guide to Owning Your Home

The home loan process can be daunting and complex, but with Smartfinn Advisors, you’ll have a clear and guided path to securing the right loan and owning your home. Here’s how our process works:

1. Get Loan Pre-Approval

Having a deposit saved enables you to take the first step in seeking finance for your home. When you know exactly how much you can borrow, you can begin your search. We handle the pre-approval stage for you, managing the contacts with lenders and filling out forms, so you don’t have to worry about these tasks.

2. Choosing a Home to Buy

Most people have an idea of where they want to live. You can start your search by visiting real estate agents or searching online. Finding the perfect home that fits your needs and budget is crucial, and our team is here to support you through this exciting step.

3. Make an Offer

Once you’ve found the right home, you can make an offer at a private sale or bid at an auction. We can help you create competitive offers and bidding strategies.

4. Offer Accepted

If your offer or bid succeeds, the real estate agent will provide a copy of the contract for sale, which you should give your legal representative to check. Once signed by both parties, the contract becomes legally binding.

5. Final Loan Approval

After your offer is accepted, we will get your final loan approved. You will be required to sign the final loan documents for the purchase price balance. We’ll handle all the work to get your loan formally approved by your chosen lender, ensuring a smooth and efficient process.

6. Insurance

Your lender will require you to obtain building insurance to protect your new property. We can help you understand the insurance requirements and find the right coverage options.

7. Final Inspection

Before the settlement date, arrange for a final property inspection. Thoroughly check that everything in the contract of sale is in working order and the agreed condition. This step ensures that your new home meets your expectations before finalising the purchase.

8. Settle Your Loan

Settlement happens when your deposit is transferred to the seller, and the lender pays the agreed loan amount on your behalf. We coordinate with all parties to ensure a seamless settlement process.

9. Get the Keys

Once settlement has occurred, your conveyancer or agent will notify you, and you can get the keys to your new home. This marks the exciting completion of your home-buying journey with Smartfinn Advisors by your side.

Loan For First Home Buyer

Your Guide to Buying Your First Home with Smartfinn Advisors. Expert Mortgage Broking Services for First Home Buyers.

Find Out more

Investment Property Loan

Specialised Loans for Purchasing Investment Properties. Investment loans to maximise your property returns.

Find Out more

Refinancing

Expert Loan Refinancing Solutions Customised to Your Needs. Australia’s Expert Loan Refinancing Solutions.

Find Out more

Construction Loan

Personalised Construction Loans for Your New Home or Renovation. Build Your Dream Home with Smartfinn Advisors

Find Out more

Property Renovation Loan

Finance Your Dream Renovation with a Property Renovation Loan. Your Trusted Partner for Renovation Financing.

Find Out more

FAQS

What should I expect from a home loan Mortgage broker?

You can expect comprehensive support throughout the home loan process. Our home loan brokers provide personalised advice, handle all the paperwork, coordinate with lenders and solicitors, and offer ongoing support to ensure your loan remains suitable for your needs. We strive to make the process as seamless as possible.

What should I ask a home loan Mortgage broker?

When meeting with a home loan Mortgage broker, consider asking about their experience, the range of lender products they can access, their process for identifying suitable loans, and how they will support you throughout the loan journey. It is also helpful to ask for examples of how they have helped clients with similar financial situations.

How are home loan Mortgage Brokers paid?

Our home loan mortgage brokers typically pay through commissions from lenders once your loan is settled. This means there are usually no upfront costs for you. Your advisor will provide full transparency about any fees or commissions involved. However, it is at the discretion of the Mortgage broker to charge an upfront fee depending on the complexity of the application

What types of home loans are available?

We offer various home loan options, including fixed-rate home loans, variable-rate home loans, interest-only home loans, split home loans, and offset home loans. Our home loan specialists will help you understand each type and recommend the appropriate option for your financial situation.

Why should I use a mortgage broker instead of going directly to a bank?

Brokers give you access to a broader range of lenders and loan products, not just one bank’s offerings. They can also negotiate on your behalf, handle the paperwork, and provide advice throughout the loan process.

How much can I borrow?

Your borrowing power depends on your income, expenses, credit score, and existing debts. A Smartfinn broker can assess your situation and give you a clear idea of how much you may be able to borrow.

Broker Listings

All Results

Abraham John North Epping

0425 410 915

[email protected]

32 Boundary Road, North Epping, NSW 2121

Find Out More

Ajesh Varghese Haywards Bay

0402 694 352

[email protected]

144 Haywards Bay Drive, Haywards Bay, NSW, 2530

Find Out More

Akash Rajput Parklea

0469 025 816

[email protected]

Unit 38, 11 Glenvale Ave, Parklea, NSW 2768

Find Out More

Ankur Ahluwalia Quakers Hill

0401 365 560

[email protected]

7 Bonaccordo Road, Quakers Hill, NSW 2763

Find Out More

Arun Rarichan Perth

0491 615 504

[email protected]

46A Helm Street, Maddington, 6109 WA

Find Out More

Demal George Baulkham Hills

0410 770 799

[email protected]

55/40 Jenner Street, Baulkham Hills, NSW, Australia

Find Out More

Himanshu Sharma Edmondson Park

0413 438 298

[email protected]

5 Vaal way, Edmondson Park, NSW 2174

Find Out More

Hitesh K Rouse Hill

0403 974 225

[email protected]

11, India Parade, Rouse Hill, NSW 2155, NSW

Find Out More

James Wu Epping

0416 365 039

[email protected]

4/44-52 Kent St, Epping, NSW 2121.

Find Out More

Jeet Parikh Scarborough

0452 344 028

[email protected]

PO Box 207 Scarborough WA 6019

Find Out More

Jerish Jose Plumpton

0451 180 783

[email protected]

17 Karakum GLD, Plumpton, NSW 2761

Find Out More

John Kim New South Wales

0483 987 254

[email protected]

APX 2-4 Cunningham St Haymarket NSW 2000

Find Out More

Johnson Mani Hamlyn Terrace

0468 945 648

[email protected]

24 Middle Tree Close, Hamlyn Terrace, NSW 2259

Find Out More

Kavita Maan Sunshine

0416 790 000

[email protected]

44, Cornwall Road, Sunshine, VIC 3020

Find Out More

Litesh Kumar Marsden Park

0431 921 386

[email protected]

14 Zulu Street, Marsden Park, NSW 2765

Find Out More

Madhu Singh Rowville

0413 466 909

[email protected]

1 Swaran Close, Rowville, VIC 3178

Find Out More

Michael Arrowsmith Newport

0490 130 954

[email protected]

Level 1, 341 Barrenjoey Road, Newport, NSW 2106

Find Out More

Mili Mehrotra Turramurra

0433 023 224

[email protected]

34 Catalpa Cres, Turramurra, NSW 2074

Find Out More

Nashat Ibrahim Caddens

0449 900 585

[email protected]

41 Weema Street, Caddens, NSW, 2747

Find Out More

Natalia Matronitsky Baulkham Hills

0408 173 249

[email protected]

Suite 25, Charrington Court, 35 Old Northern Road, Baulkham Hills, NSW, Australia

Find Out More

Nidhi Wadehra Point Cook

0415 512 155

[email protected]

8 Bilbao Way, Point Cook, Victoria 3030 Australia

Find Out More

Param Khosa Craigieburn

0425 697 548

[email protected]

3 Consort Place, Craigieburn, Victoria 3064

Find Out More

Prasanth George Moorebank

0469 951 189

[email protected]

48 Moorebank Avenue, Moorebank NSW 2170

Find Out More

Sandeep Anand Manor Lakes

0406 202 527

[email protected]

3 Bush Street, Manor Lakes, Victoria – 3024, Australia

Find Out More

Sara Ayoub Riverstone

0423 437 919

[email protected]

12 Reuben St, Riverstone, NSW 2765

Find Out More

Sarju Shah Baulkham Hills

0435 623 580

[email protected]

Suite 25, Charrington Court, 35 Old Northern Road, Baulkham Hills, NSW, Australia

Find Out More

Sony Mathew Tamworth

0490 336 710

[email protected]

Unit 2, 26 Fishermans Place, Oxley Vale, NSW 2340

Find Out More

Surendra Bhandari Campsie

0424 444 264

[email protected]

8/62-64 Park St, Campsie, NSW 2194.

Find Out More

Utsav Jung Bist Schofields

0422 935 935

[email protected]

29 Cottage Glade, Schofields, NSW 2762

Find Out More

Vibha Bajaj Parramatta

0406 014 471

[email protected]

Parramatta & Baulkham Hills, Australia

Find Out More

Vineet Chaudhary Riverstone

0411 202 354

[email protected]

Riverstone, NSW 2765

Find Out More

Vipul Ghori Toongabbie

0425 377 781

[email protected]

53 Metella Rd, Toongabbie, NSW 2146, Australia

Find Out More

Viral Sheth Gledswood Hills

0430 023 917

[email protected]

Gledswood Hills, NSW 2557

Find Out More

Vishist Gupta Carlingford

0430 090 583

[email protected]

Unit 66, 14-16 Freeman Place, Carlingford NSW 2118

Find Out More

Western Australia Results

Arun Rarichan Perth

0491 615 504

[email protected]

46A Helm Street, Maddington, 6109 WA

Find Out More

Jeet Parikh Scarborough

0452 344 028

[email protected]

PO Box 207 Scarborough WA 6019

Find Out More

New South Wales Results

Abraham John North Epping

0425 410 915

[email protected]

32 Boundary Road, North Epping, NSW 2121

Find Out More

Ajesh Varghese Haywards Bay

0402 694 352

[email protected]

144 Haywards Bay Drive, Haywards Bay, NSW, 2530

Find Out More

Akash Rajput Parklea

0469 025 816

[email protected]

Unit 38, 11 Glenvale Ave, Parklea, NSW 2768

Find Out More

Ankur Ahluwalia Quakers Hill

0401 365 560

[email protected]

7 Bonaccordo Road, Quakers Hill, NSW 2763

Find Out More

Demal George Baulkham Hills

0410 770 799

[email protected]

55/40 Jenner Street, Baulkham Hills, NSW, Australia

Find Out More

Himanshu Sharma Edmondson Park

0413 438 298

[email protected]

5 Vaal way, Edmondson Park, NSW 2174

Find Out More

Hitesh K Rouse Hill

0403 974 225

[email protected]

11, India Parade, Rouse Hill, NSW 2155, NSW

Find Out More

James Wu Epping

0416 365 039

[email protected]

4/44-52 Kent St, Epping, NSW 2121.

Find Out More

Jerish Jose Plumpton

0451 180 783

[email protected]

17 Karakum GLD, Plumpton, NSW 2761

Find Out More

John Kim New South Wales

0483 987 254

[email protected]

APX 2-4 Cunningham St Haymarket NSW 2000

Find Out More

Johnson Mani Hamlyn Terrace

0468 945 648

[email protected]

24 Middle Tree Close, Hamlyn Terrace, NSW 2259

Find Out More

Litesh Kumar Marsden Park

0431 921 386

[email protected]

14 Zulu Street, Marsden Park, NSW 2765

Find Out More

Michael Arrowsmith Newport

0490 130 954

[email protected]

Level 1, 341 Barrenjoey Road, Newport, NSW 2106

Find Out More

Mili Mehrotra Turramurra

0433 023 224

[email protected]

34 Catalpa Cres, Turramurra, NSW 2074

Find Out More

Nashat Ibrahim Caddens

0449 900 585

[email protected]

41 Weema Street, Caddens, NSW, 2747

Find Out More

Natalia Matronitsky Baulkham Hills

0408 173 249

[email protected]

Suite 25, Charrington Court, 35 Old Northern Road, Baulkham Hills, NSW, Australia

Find Out More

Prasanth George Moorebank

0469 951 189

[email protected]

48 Moorebank Avenue, Moorebank NSW 2170

Find Out More

Sara Ayoub Riverstone

0423 437 919

[email protected]

12 Reuben St, Riverstone, NSW 2765

Find Out More

Sarju Shah Baulkham Hills

0435 623 580

[email protected]

Suite 25, Charrington Court, 35 Old Northern Road, Baulkham Hills, NSW, Australia

Find Out More

Sony Mathew Tamworth

0490 336 710

[email protected]

Unit 2, 26 Fishermans Place, Oxley Vale, NSW 2340

Find Out More

Surendra Bhandari Campsie

0424 444 264

[email protected]

8/62-64 Park St, Campsie, NSW 2194.

Find Out More

Utsav Jung Bist Schofields

0422 935 935

[email protected]

29 Cottage Glade, Schofields, NSW 2762

Find Out More

Vibha Bajaj Parramatta

0406 014 471

[email protected]

Parramatta & Baulkham Hills, Australia

Find Out More

Vineet Chaudhary Riverstone

0411 202 354

[email protected]

Riverstone, NSW 2765

Find Out More

Vipul Ghori Toongabbie

0425 377 781

[email protected]

53 Metella Rd, Toongabbie, NSW 2146, Australia

Find Out More

Viral Sheth Gledswood Hills

0430 023 917

[email protected]

Gledswood Hills, NSW 2557

Find Out More

Vishist Gupta Carlingford

0430 090 583

[email protected]

Unit 66, 14-16 Freeman Place, Carlingford NSW 2118

Find Out More

Victoria Results

Kavita Maan Sunshine

0416 790 000

[email protected]

44, Cornwall Road, Sunshine, VIC 3020

Find Out More

Madhu Singh Rowville

0413 466 909

[email protected]

1 Swaran Close, Rowville, VIC 3178

Find Out More

Nidhi Wadehra Point Cook

0415 512 155

[email protected]

8 Bilbao Way, Point Cook, Victoria 3030 Australia

Find Out More

Param Khosa Craigieburn

0425 697 548

[email protected]

3 Consort Place, Craigieburn, Victoria 3064

Find Out More

Sandeep Anand Manor Lakes

0406 202 527

[email protected]

3 Bush Street, Manor Lakes, Victoria – 3024, Australia

Find Out More

Featured News

Loan Essentials

End of financial year tax tips for investors

Tax time might not be everyone’s favourite season, but it it’s a great chance to tidy up your finances. If you own an investment property, it’s important to be aware of all of the tax deductions that could be available to you and plan smartly for the year ahead. Below is some general guidance, along...

General Information

Are you retirement ready? Planning for the next chapter

Retirement often conjures up images of afternoons on a golf course or adventures in a motorhome, of growing your own vegetables or spending quality time with the grandkids. In order to have the retirement you’ve always dreamed of, it’s important to plan ahead. Here are some key considerations. When do you plan to retire? Deciding...

Property Related

What Labor’s win means for aspiring home owners

The federal election is done and dusted, with Labor achieving a landslide victory. So how did aspiring homeowners fare? Let’s take a look.

Economy & Finance Update

Welcome to our May newsletter

If you’re planning a winter property purchase, you’d be feeling a warm buzz after the Reserve Bank of Australia’s (RBA) latest cash rate decision. The RBA delivered the second cash rate cut for 2025 in May, bringing it down 0.25 percentage points to 3.85 per cent. Meanwhile, property prices across the nation edged higher in...

Property Related

What Labor’s win means to Home buyers?

Following the 2025 Australian federal election, Prime Minister Anthony Albanese's Labor government secured a second term with a significant majority, positioning itself to implement substantial housing reforms aimed at assisting first home buyers and addressing broader housing affordability challenges

Loan Essentials

How do construction loans work?

If you’re planning to build your own home, a construction loan could help finance your project. Unlike standard home loans, construction loans provide funds progressively in stages as your new home is built. Here are a few of the key points you should consider. A quick guide to construction loans Construction loans differ significantly from...

Property Related

Negative gearing explained

Negative gearing is a popular investment strategy in Australia, but it’s also a term that often comes up in the media, particularly when there’s an election looming, like right now. Let’s take a look at what it means, what capital gains tax (CGT) is and why you need to know about these terms if you...

General Information

What the Federal Budget means for homebuyers

It’s Federal Budget time, so let’s cut to the chase. What’s in it for aspiring homeowners looking to purchase a property in 2025? Here are some of the key takeaways that could affect you. Purchasing property Help to Buy scheme Labor plans to boost its Help to Buy scheme by increasing income and property price...

Property Related

5 Trends to watch if you want to buy in 2025

In a fast-moving property market, timing is everything. You may find your dream home before selling your current one, but without the right financial solution, you could miss out. That’s where a bridging loan can help. Thinking about buying a home in 2025? The property market is evolving, bringing both opportunities and challenges for buyers....

Economy & Finance Update

Welcome to our April newsletter

The Reserve Bank of Australia (RBA) kept the cash rate on hold at its latest meeting, but it looks highly likely the RBA’s next move will be a cash rate cut after President Donald Trump’s sweeping tariffs on US imports sent shock waves through global markets. Meanwhile, the federal election has been called for 3 May and...

General Information

Renovation mistakes that could cost you – and how to avoid them

Renovating can be a great way to add value to your property, improve your living space, or boost your rental return. But before you start knocking down walls, there are a few key things to consider. A renovation can quickly turn from a smart investment into a financial headache if you don’t plan properly. Here’s...

Property Related

Is now a good time to buy?

The Reserve Bank of Australia (RBA) has cut the cash rate and interest rates have come down. So, is now a good time to buy property? The answer depends on your unique circumstances and goals. But generally speaking, it’s always best to get a leg up on the property ladder sooner rather than later. Here...

Make An Enquiry Today!

Want to Become a Mortgage Broker?

Enquire Now to Join Our Team

Want to Book a Consultation?

Get In Touch With Us Today