Smart Mortgage Corp

Our South Brisbane and Upper Mount Gravatt offices support home buyers, property investors and some commercial borrowing. We discuss each client's financing purpose and lender requirements before preparing a formal application.

We compare more than a headline interest rate. Repayment flexibility, fixed or variable structures, offset arrangements, loan duration and potential switching costs can all affect the suitability of a mortgage.

For property investors, we discuss expected rental income, holding expenses, current liabilities and plans for additional purchases. Credit policies can differ across institutions and property types.

When reviewing an existing mortgage, we examine its outstanding balance, term, repayment features and potential refinancing costs. Staying with the present lender may be considered alongside new products.

Construction finance can involve building contracts, progress payments, budgets and lender valuation requirements. Changes to the construction schedule may affect the documents and funding process.

For business and commercial borrowing, the purpose of funds, trading records, cash flow and proposed security may require a different lending assessment from an ordinary residential mortgage.