Smartloans Bendigo

18/03/2026

Does a Pre-Approval mean you can make an Unconditional Offer?

We recommend against it, and advise our clients to make offers subject to finance approval as a safe guard.

14/01/2026

My No.1 Tip for First Home Buyers.

Get Educated!

Meet with a Broker to understand how finance works.

Invest the time early.

02/10/2025

A number of changes to the Home Guarantee scheme came into effect on 1 Oct 2025.

Income threshold removed.
Regional Price Cap of $650,000 remains.
Unlimited positions now available.

Sadly the problem with building a new home under the scheme was not addressed, and remains nearly impossible.

24/09/2025

Your Credit File is known as CCR or Comprehensive Credit Report. It's not just a score, but a report that draws on a range of information to build a profile of your credit risk.

Small mishaps or oversights can now have serious consequences to your credit.

15/07/2025

The Reserve Bank of Australia (RBA) has recommended to ban Credit & Debit Card fees from 1 July 2026.

Payment networks and banks to follow this recommendation, otherwise our government will introduce laws to effect the ban.

Great news for consumers.

16/05/2025

08/05/2025

With the Federal Election over, we can expect changes to HELP debt soon.

People earning $70,000pa will pay around $1,300 less per year in repayments under the proposed changes.

Meanwhile, all student loans will be cut by 20%

15/04/2025

Our very own Ron Bradley organising valuable donations for Sunshine Bendigo

31/03/2025

Monthly CoreLogic house price data for March reveals an increase in values by 0.5% in regional areas.

This follows the recent 0.25% interest rate cut, which has clearly given a boost in confidence.

27/03/2025

This week's federal budget reveals some interesting information.

Where are our taxes going...

Interest on Debt!

If this was a family household, the number 1 priority would be reducing debt.

12/03/2025

The First Home Guarantee Scheme makes home buying far more achievable.

The minimum 5% deposit to qualify under the scheme is the goal to work towards.

Arrange a time to talk to us, and remember we do not charge for our service.