Home loan Features

Home Mortgage Loans

Home mortgage loans in Australia are taken as highly expensive and full of complexities. Smart Loan providers help clients to save their efforts, time and money, by offering the best home mortgage rates and financial solutions. Our specialized home loan and mortgages consultation is absolutely free of cost, so as to keep your cost at minimum. Find the right mortgage for yourself and let us make the process faster and less complicated for you.

Our services and availability of fully specialized mortgage advisers would be there 24/7 even after you find the best home for you, so that we can remain intact with your financial needs. Get the feature of mortgage loan calculator to determine your mortgage position.

Home Loan Features

  • Variable Interest Rate Loan
  • Get the most popular loan in Australia, i.e. Standard variable loans. The interest rate is subjected to change as per the Reserve Bank of Australia’s policy.

    Let us tell you that two variable rate products are in the market, i.e. standard & basic. Of you want numerous options and repayments flexibility, standard is an ideal. If you are looking for lower rate than standard variable rate loan, consider basic, though they provide lesser flexibility.

  • Fixed interest rate loan
  • The loan under this is fixed with a certain rate for one to five years. It implies your repayments won’t be affected in any way by the changes in interest rates. The fixed rate can be altered at the end of the time period as a part of mutual agreement with lenders, or could be converted into variable rate.

  • Split Home Loan
  • Your loan is split into two parts, one is variable and the other is fixed. If you want to avail the flexibility of variable loan and certainty of fixed one, you may choose split home loan.

  • Interest only
  • The repayment of this loan is just the interest put on the principal amount, usually for a period of up to 5 years. Because it doesn’t involve paying off your principal, the size of monthly repayments is lower. At the end of this period, you start paying off both principal and interest. If you an investor who wish to pay off principal after the property is sold out and capital growth is achieved, choose this option.

  • Line of Credit
  • It lets the borrower to unlock the equity in the properties they hold for any particular purpose like investing, renovating, purchasing a car or other assets. The interest is paid only on the funds drawn on the line of credits. If borrowers pay minimum interest monthly, they enjoy the flexibility on when the principal amount needs to be paid.

  • Low Doc Loan
  • If you are a self employed person, this might be the best choice since these loans needs less documentation, though high interest rate or higher deposit.

  • Introductory/Honeymoon

Mostly first home buyers consider this option, though it is equally popular among masses. It gives discounted rate for initial six or twelve months, after that it reverts to the normal variable rate.

Car Loans

Auto loans are one of the most prominent offerings at Smart Loan Providers. We give you the specialized consultation on car loans and negotiate to get the best car loan rates for you in Australia. Being an experienced and specialized loan provider in Australian finance industry, we fully understand your car finance needs and come up with the options most profitable for you.

We not just help you get the best rates, but we also help you recover your bad credit so that you can satisfy your financial needs in future to the fullest. Get 24/7 consultation and quote absolutely free of cost.

Short term personal loans

Smart Loan providers have included quick short terms loans at the top most priority. We get you quick pay day loans, student loans and other short term finances at the cheapest rate. We make sure to keep the process as simple as possible to get instant approval and quick processing.

Short term loans in Australia are not easy to get, but we take care of your financial needs and navigate you every possible way to get the quick short term loans in shortest time span. Get the quote absolutely free of cost.