Smart Select Home Loans

02/18/2025

ᴛʜᴇ ʀʙᴀ ᴏꜰꜰɪᴄɪᴀʟ ᴄᴀꜱʜ ʀᴀᴛᴇ ᴅʀᴏᴘꜱ
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Finally, RBA has decided to cut the official cash rate by 25 basis points giving mortgage holders much-needed relief.

If you want to find out whether your home loan rate is still competitive or refinancing might be a better option, please contact us on 0422 586 193

Click the link below to read a full article:

https://www.rba.gov.au/media-releases/2025/mr-25-03.html

12/12/2024

As we head towards the end of 2024, let’s take a look at how property markets performed over the last year – and what’s being tipped for 2025. 🏡

As we head towards the end of 2024, let’s take a look at how property markets performed over the last year – and discover what the experts say may lie in store for home prices in 2025. 2024 has been a year of change, with property values and market conditions shifting across many of our […]

12/11/2024

🙌 4 ways to save up a deposit sooner 🙌⁣
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It takes 5.6 years on average to save a 20% deposit, according to recent PropTrack data.⁣
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But why wait that long if you don't need to? Here are 4 ways you could save up a deposit sooner.⁣
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✅ Pay LMI: some lenders accept a 5% deposit if you pay lenders mortgage insurance (LMI).⁣
✅ Get a guarantor: can a close relative guarantee your loan? It could let you buy with a 5% deposit and no LMI.⁣
✅ The First Home Guarantee scheme: the government guarantees your loan, so you can buy with a 5% deposit and zero LMI.⁣
✅ Use your super account: fast-track your savings by making use of the First Home Super Saver Scheme.⁣
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Call us to know which pathway could work for you. 👇⁣
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To find out more, DM us or contact Smart Select Home Loans on:

📞 0422 586 193
💻 [email protected]

12/10/2024

We can't help ourselves but be a little helpful! Thanks for the amazing review Dipesh! 😁

12/09/2024

🤳 TikTok vs talking to your broker 🤳⁣
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TikTok and Instagram Reels are fun, fast and free.⁣
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But if you’re looking for help with your home loan it's important not to just take information you discover during a random scroll as gospel.⁣
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Try to stick with posts from a licensed Australian mortgage broker. 👍⁣
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We have strict rules to follow on social media.⁣
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But you obviously can't control what's fed to you by the algorithms. ⁣
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So if you do come across financial content created by people based outside Australia, just know that in many countries the rules are far less rigid, different, or non-existent at all.⁣
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If you're ever in doubt about what you've seen, pick up the phone and give us a call.⁣
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Sure, we’d (probably) lose in a dance-off against your average TikTok creator. 😅⁣
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But we can provide you with home loan information tailored to your situation. 👇⁣
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To find out more, DM us or contact Smart Select Home Loans on:

📞 0422 586 193
💻 [email protected]

12/05/2024

The coming weeks will see millions of Aussies enjoy a well-earned getaway, and for some, a memorable holiday will inspire plans to buy a holiday home. Is it a good idea? And can a weekender still stack up financially? 🏖

The coming weeks will see millions of Aussies enjoy a well-earned getaway, and for some, a memorable holiday will inspire plans to buy a holiday home. But is it a good idea? And can a weekender still stack up financially? We explain what to consider plus tips to fund a vacation property. It’s that...

12/04/2024

🤔 Is now a good time to buy? 🤔⁣
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One-in-three people don't think so, according to PropTrack research (which means about two-in-three do). 😅⁣
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If you're in that one-in-three group: rest assured it’s natural to have doubts - a home is a big commitment after all.⁣
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But uncertainty can mean sitting on the fence much longer than you need to.⁣
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And the longer you delay, the more house prices may rise. 📈⁣
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So how do you know when's the ‘right’ time to buy?⁣
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The short answer is: it's when you’re ready to do so.⁣
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Call us today to find out if you’re home loan-ready - finding out might just give you that extra confidence you need to take the leap. 👇⁣
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To find out more, DM us or contact Smart Select Home Loans on:

📞 0422 586 193
💻 [email protected]

12/02/2024

💪 First home owners rewarded with capital gains 💪⁣
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If you’ve purchased a first home recently, you could already be ahead in the capital growth stakes.⁣
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First home buyers often target the more affordable end of the market.⁣
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And CoreLogic says the cheapest 25% of the market saw price growth of 2.7% in the 3-month period to August. 📈⁣
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By comparison, the top 25% saw gains of just 0.3%.⁣
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It goes to show that the sacrifices of saving for a first home can be well rewarded.⁣
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Talk to us today about loan options that can get you started in the market. 👇⁣
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To find out more, DM us or contact Smart Select Home Loans on:

📞 0422 586 193
💻 [email protected]

11/28/2024

There are few better ways to beat the summer heat than floating in your very own pool. With a range of price points to choose from, a pool can be affordable, but will it add value to your property? 🏊‍♀️

There are few better ways to beat the summer heat than floating in your very own pool. With a range of price points to choose from, a pool can be affordable, but will it add value to your property? And how will you pay for your backyard oasis? Fun fact: more than 3 million Aussies have […]

11/27/2024

🏡 The home loan feature 70% of borrowers want 🏡⁣
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Seven out of ten borrowers are opting for a home loan offset account, according to a recent NAB report.⁣
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An offset account can let you put spare cash to work by paying down your home loan sooner.⁣
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How much could your interest payments be reduced by with an offset? 🤔⁣
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Let's say you have $20,000 in your offset account over the life of a 30-year, $400,000 home loan (with an interest rate of 6%).⁣
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You could save more than $87,000 in interest, and reduce your loan term by more than three years, according to Macquarie Bank.⁣
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Contact us to find out if a home loan offset account could be right for you. 👇⁣
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To find out more, DM us or contact Smart Select Home Loans on:

📞 0422 586 193
💻 [email protected]

11/21/2024

You’ve seen the perfect piece of land but you’re not quite ready to build. No problem – a land loan can be a handy finance solution. However, it can work a bit differently from a regular home loan. Here’s what you need to know. 🤔

You’ve seen the perfect piece of land but you’re not quite ready to build. No problem – a land loan can be a handy finance solution. However, it can work a bit differently from a regular home loan. Here’s what you need to know. Not everyone wants to buy an established home or even a […]

11/20/2024

😎 Are you auction-ready? 😎⁣
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The spring market is ramping up - and so are sales by auction.⁣
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Over 2,000 homes went under the hammer in late August, with more expected through summer.⁣
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Here’s how to get your auction game on:⁣
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🧐 Research the local market to know what similar homes are selling for⁣
✅ Understand your borrowing power⁣
👍 Have your home loan pre-approved⁣
🔨 Arrange a pre-purchase inspection to avoid unwanted repair bills⁣
🙌 Attend other auctions to get a feel for how they work.⁣
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Call us today to get your finances auction-ready. 👇⁣
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To find out more, DM us or contact Smart Select Home Loans on:

📞 0422 586 193
💻 [email protected]