Rating based on 20 reviews


  • Home loans up to $500,000
  • Low-interest up to 25%
  • Repayment up to 30 years

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Author Smartline. Screenshot of Smartline website.
[Accessed March 17, 2023]

About Smartline

Looking for a fast, easy, and reliable home loan for your next property purchase?

Get the most profound home loan with Smartline, an award-winning mortgage and home loan broker company that has a network of more than 300 expert advisers within the banking industry, you will be sure to find a home loan that is tailor-made to your individual needs.

When Smartline started in 1999, its goal was to bring sound, expert advice to each customer’s individual needs. They never thought that their dedication would soon have them winning Australia Top Franchise Award for ten out of twelve years.

They pride themselves in handling each customer with the best and most suitable advice, whether they apply by visiting one of their nationwide branches or applying for a loan online.

Get the best home loan in Australia

Strapped for cash? Been wanting to expand your home, renovate or buy your very first nest? Get a perfectly tailored home loan that will be designed according to your needs and budget.

With Smartline you will have comfort in knowing that you have an expert on your side, helping and guiding you through every step of your home loan journey.

Getting a home loan has never been this easy, simple and convenient. Dealing with banks and lenders can sometimes become a daunting task. This is another reason why Smartline should be your first choice as they will do all the daunting work for you and expertly advise you on the best loan for your requirements. 

What’s more is that at Smartline, giving back to the community is a very important part of their culture. Not only do they donate $10 for every loan they organize, which has up to date reached $2.5 million, but their dedicated team is constantly assisting the community in various other ways.

Smartline Services

Whether you are a first-time homebuyer, wanting to move home, refinancing home loans, or investing in property, Smartline will make your dream a reality.

You can choose between fixed and floating interest rates or you can opt for a combination of both over the lifespan of your loan. Enjoy the freedom of a 100% offset account and redraw facility to access funds when you need them. 

With the Smartline home loan calculator, you can find out what your maximum home loan borrowing power will be, how making extra repayments will affect your loan, be able to work out what your repayment will be whether you choose to repay weekly or monthly, and see how a lump sum payment will reduce your loan.    

Tools and home loan calculators

Access a list of helpful calculators to help you plan your exciting journey towards homeownership:

The income tax calculator – Find out how much tax you pay according to your income level. The stamp duty calculator – See how much Stamp Duty will cost on your loan. The investment property purchase calculator – calculate the initial purchase cost as well as yearly financials for investment properties.

Home loan comparison calculator – compare fees, terms, rates, features, and more. Split home loan calculator – Find out what your repayments and total interest will be with fixed or variable rates. Budget planning calculator – Plan and create your budget. Saving plan calculator – Find out how much you can save.

Reliable used and brand-new wheels

They offer rates that are normally much lower than what the car yards offer. Enjoy the advantage of having a pre-approval before you go car shopping as this will allow you to know what you can spend when you speak to a dealer.

Smartline – Home loan

  • Loan Type Home loans
  • Interest Rate 25%
  • Loan Amount up to $500,000
  • Repayment 1 year to 30 years

Benefits of Smartline

  • Competitive interest rates
  • Compare home loans
  • Fast cash payout 

Smartline Home Loans - Smart Home Investments

How to Apply for a home loan?

You will need the following documents 

ID document

  • Current Passport
  • Drivers Licence
  • Photo ID  

Secondary identification includes

  • Birth Certificate
  • Medicare Card
  • A recent household bill that includes your name and address
  • Healthcare card
  • Citizenship Certificate 

Proof of your income

  • Bank statements (for the last six months).
  • Recent payslips.
  • Confirmation of your employment status and salary.
  • Latest group certificate 

If you work for yourself, you will need additional documents like:

  1. Your latest personal and business tax returns.
  2. Tax assessment notice for past two years   

Proof of financial position 

  1. Assets.
  2. Liabilities.
  3. Living expenses and entertainment.
  4. All sources of income.

Steps to apply

Step one: Speak to a home online loan advisor and answer a few questions and provide the relevant supporting documents.

Step two: They will then look at your financial position based on the information you provided. They will shortly be in touch to advise if you are pre-approved and for how much.

Step three: You can now start your house hunting with your pre-approval in hand!

The Benefits of a Smartline home loan

  • Convenient, fast, and reliable finance.
  • Trustworthy and transparent home loan advisors.
  • You can speak to a local advisor in your area.
  • Access to advance planning tools.
  • Get pre-approved in no time!
  • Low rates.
  • 100% offset account options.
  • Options of redrawing funds when needed.
  • Easily manage and repay your loan.
man holding thumbs up

Smartline is a trusted & reliable provider of home loans

In our review, Smartline adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Smartline is a registered credit provider in Australia: ACL 385325

Customer Reviews & Testimonials

May 2019

They have helped me find the best house loan for me and my family and made sure that the interest rates are not too high. We recommend them.

Joe S
— Brisbane —

May 2019

They have given us the best service and helped us to find ways to getting our mortgage paid for and we couldn’t have done without them

Christian L
— Perth —

April 2019

They have helped us and given us the best service and we couldn’t have asked for me friendlier staff.

Tanya B
— Melbourne —

Smartline Contact

Physical Address

  • Level 2, 2 Lyonpark Road, North Ryde North Ryde NSW 2113 Australia
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed