About Smart Choice Home Loans
Professional local mortgage brokers in Melbourne
Established in 2001, we are your local home loan expert, servicing all of Melbourne, Victoria. We always look for a loan that suits you. We help you find the best offers in the loan market. We get the latest rates, concession and deals from over 20 lenders, including the big four banks. Let us compare rates and fees for new loans, while reviewing your current loans and finances. Once we’ve found a loan that suits your needs and lifestyle goals, we’ll assist and manage the whole application process for you.
WE ARE OPEN – CovidSafe Mortgage Home Loan Updates
Smart Choice Home Loans assists you with loans and financial needs under the CovidSafe Plan in Melbourne, Victoria. We are operating at normal office hours from Friday – Saturday and can see you either face-to-face at a location that suits you OR via video call.
After a challenging year, the RBA has met for the final time in 2020 and decided to leave the cash rate unchanged. After reducing the rate three times during 2020, including to a record low of .10% in Nov 2020, the RBA opted to wait until its next meeting in February 2021 to further assess the impact of these reductions and its quantitative easing program.
In the lead up to the next meeting our central bank will continue to monitor the global COVID-19, the opening of state borders, our exchange rate and its impact on export competitiveness and the looming reduction to government support packages.
Rates are at a record low and lenders continue to offer very competitive rates. We can answer your questions and look at your circumstances to make sure you’re prepared for what could be coming next. This could mean refinancing or approaching your lender for a better rate. Because we do this type of work every day, we have a pretty good idea what lenders can do to win or keep your business.
With rates at a record low and lenders continuing to offer very competitive rates, why not review your situation to ensure you have the right product for you right now? We’re here to help if you have any questions or wish to review your circumstances. Please contact us now to assess your situation.
Why use Smart Choice Home Loans?
We are industry qualified and fully accredited with over 20 years of mortgage experience. Whether it’s for your first home, refinancing your current place or an investment, we have access to loans from a host of Australia’s leading lenders, one of which could be the right one for you. Finding one that’s right for you is the hard part, and that’s where we come in. We’ll consider a range of options to help you get the solution you’re looking for.
We’re here from start to finish
We’re not just here to help you find a loan with the right fit. We’re here to make the whole process easier. We can help you get pre-approval for your home loan so you can shop around for your home with confidence, knowing what you can afford to spend. We will help take care of the paperwork and manage the application process right through to approval.
Call us anytime
You can pick up the phone or email us at anytime during your financial journey. Maybe you’re about to buy, want to build your investment portfolio, renovate or just review – you can make an obligation-free appointment with us at a time and place that suits you.