When it comes to Mortgages & Lending, expert advice is invaluable.

The right loan allows you to reduce debt and sets you up for financial independence. By building equity in your home you can also consider an investment property in the future if that’s something you are planning. This is where SMI can help. As mortgage brokers we provide transparent advice on what ALL lenders are offering now. We recommend the best deal, manage the loan application and track the loan to settlement.

Many people make the mistake of taking a “set and forget” view of their loan. Banks love this as they don’t have to worry that they aren’t looking after you. We think that as your lender makes a healthy profit from the interest they charge you they should be proactive – BUT, when was the last time they rang and offered you a lower interest rate?

 

With over 50 lenders in Australia the choice is vast and difficult to compare. Some loan products appear to have a lower cost but come with built in fees. Some lenders have annual packages which have a compulsory credit card that you may not need.

Contact SMI and secure your financial independence now.

Get in touch with us today:

Chris and Anthony have been great to deal with in getting our refinancing completed and always kept us in the loop when it was taking longer then expected.

– Terrina N.

FAQs

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Why should you go with a mortgage broker?

Going with a mortgage broker can save you both time and money. They are a go-between banks and other lenders and research home loan options for you to later compare. A mortgage broker focuses on you to make the process as easy as possible.

What is the main role of a mortgage broker?

A mortgage broker works as an intermediary who brings borrowers and mortgage lenders together. They get to know their clients financial situation first, to help them find the best mortgage to meet their property goals.

Why don’t mortgage brokers charge?

It costs nothing for you to sit down and review your home loan product with a mortgage broker, as they do not charge a fee. Mortgage brokers are reimbursed directly by the loan provider you decide to proceed with.

Is it better to go through a broker or a bank?

A mortgage broker does the heavy lifting of finding the home loan options available to you, rather than you having to contact different banks or lenders. Once they have some options you can easily compare interest rates, charges and loan features and the mortgage broker will help you with any questions you might have.

What do mortgage brokers need to know?

Mortgage brokers will ask you about your lifestyle, financial situation and how much you want to borrow to be able to understand how much you are able to repay each month.

What to expect from your first meeting with a mortgage broker?

There will be a lot of questions about your financial situation to understand your circumstances and goals. The more transparent you are, the better the mortgage broker can help you.

Chris and his team have been nothing but professional and helpful from day one.
He has opened our eyes and taught us so many valuable lessons in regards to puchasing our first home and setting us up for the future. He is always available to answer any questions and provides a wealth of knowledge.
We are looking forward to working with Chris in the years to come. I would definitely recommend SMI and Chris to anyone considering it.

– William D.

Chris & his team were able to get our home refinanced. We had tried with several different brokers but were unsuccessful. This has now put us in a much better financial situation. They also helped with insurances & super. Thanks 😊

– Melissa R.

Financial Services Guide & Privacy Policy

SMI Financial Solutions Pty Ltd ABN 92 154 155 307 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd, ABN 47 097 797 049, AFSL 236523. Christopher Smith (478941) and SMI Financial Solutions Pty Ltd (418006) are authorised for Credit Services with outsource financial ACL384324. Infocus is not liable for any credit services provided by either entity. Information published on this website has been prepared for general information purposes only and not as specific advice to any particular person. Any advice is General Advice and does not take into account any person’s particular investment objectives, financial situation and particular needs. Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.

© 2021 by SMI Financial Solutions Pty Ltd.

Disclaimer: Your full financial situation will need to be reviewed prior to acceptance of any offer or product.