OUR SERVICES - HOW WE ARE DIFFERENT

Unlike traditional mortgage brokers who might only offer loans from a limited selection of lenders, we believe in casting a wider net. Our team doesn't just rely on our in-house loan options; instead, we scour the entire Australian mortgage market to find the perfect loan for you. This means you have access to a vast array of choices, ensuring you're not limited to a handful of options but instead empowered with a multitude of possibilities. Additionally, we can negotiate interest rates with your current lender to secure even better terms for your mortgage.

Home Loans

Home loans for owner occupiers and first home buyers for the purchase of new, established or construction of residential property.
Refinance checks where 80% of people are paying too much on their current mortgage rate.
Self employed loans for those with or without 2 years financials.
Borrow up to 95% of the properties value.
See more Home Loan Information.

Property Investment Loans

Investment loans for property investors for the purchase of new, established or construction of residential property with flexibke loan terms.
Refinance of investment property loans for better interest rates and lower repayments.
Self managed super fund loans (SMSF) for those that wish to use their super fund to invest in property.
See more Investment Loan Information.

Commercial Loans

Home loans Commercial Loans for retail, office and industrial freehold for investors and owner occupiers. Development finance for retail and industrial units.
Self employed loans for those with or without 2 years financials.
High LVR up to 80%, Low Doc, credit impaired solutions, lease doc for investors and short term finance.
See more Commercial Loan Information.

Mortgage Calculators

Online mortgage calculators that calculate mortgage interest repayments and fees.
Calculate the total REAL ANNUALISED interest rate to find your exact costs.
Interest only calculators that calculates interest only repayments.
Calculate the mortgage reduction strategies of using a 100% offset account and making extra repayments.
See more Mortgage Calculators.

Lenders and Brokers

Experienced and licenced mortgage brokers with industry body memberships and government compliance.
Professional mortgage advice with the ability to compare interest rates and negotiate with lenders..
Loan structuring and product advice while handling all the paperwork and loan submission.
See more here.

Our Network

40 plus bank and non bank lenders for residential lending.
Access to over 400 commercial loan lenders for access to long and short term lending.
Expansive lender network to provide solutions for all types of loan scenarios .
Large network of brokers and specialists in all types finance.
For more information Contact Us.

TODAY'S INTEREST RATES

Last Updated 14th November 2024 . Interest rates are subject to change. Reserve Bank of Australia kept the cash rate at 4.35% on 5th November 2024.

Mortgage broker home loans that include all the major banks with the ability to negotiate interest rates. For more information request a Home Loan Quote

Loan Type	Interest Rate	Loan to Value (Up to)	Quotes
Variable Interest Rates
Variable to $1 million	5.99% CPR 5.99%	95%	Enquire
Variable Over $1 million	5.99% CPR 6.01%	95%	Enquire
Variable 100% Offset	5.98% CPR 6.25%	95%	Enquire
Line of Credit	6.81% CPR 6.99%	80%	Enquire
Vacant Land	5.39% CPR 6.26%	95%	Enquire
Fixed Interest Rates
1 Year Fixed	5.84% CPR 6.03%	95%	Enquire
2 Year Fixed	5.54% CPR 5.95%	95%	Enquire
3 Year Fixed	5.24% CPR 6.24%	95%	Enquire
4 Year Fixed	5.49% CPR 6.24%	95%	Enquire
5 Year Fixed	5.49% CPR 6.17%	95%	Enquire
7 Year Fixed	6.59% CPR 6.68%	95%	Enquire
10 Year Fixed	6.94% CPR 6.97%	95%	Enquire

$3,000 CASH BACK for home and investment loans for purchases and refinance over $250,000. For more information request a Investment Loan Quote

Loan Type	Interest Rate	Loan to Value (Up to)	Quotes
Variable Interest Rates
Variable to $1 million	6.24% CPR 6.26%	95%	Enquire
Variable Over $1 million	6.18% CPR 6.37%	95%	Enquire
Variable 100% Offset	6.18% CPR 6.37%	95%	Enquire
Line of Credit	6.81% CPR 6.99%	95%	Enquire
Fixed Interest Rates
1 Year Fixed	5.89% CPR 6.34%	95%	Enquire
2 Year Fixed	5.64% CPR 6.25%	95%	Enquire
3 Year Fixed	5.64% CPR 6.19%	95%	Enquire
4 Year Fixed	5.69% CPR 6.47%	95%	Enquire
5 Year Fixed	5.64% CPR 6.31%	95%	Enquire
7 Year Fixed	6.89% CPR 6.98%	95%	Enquire
10 Year Fixed	7.24% CPR 7.27%	95%	Enquire

Loan Type	Interest Rate	Loan to Value	Quotes
Variable Interest Rates
Variable to $1 million	7.19% CPR 7.63%	80%	Enquire
Variable Over $1 million	7.19% CPR 7.63%	80%	Enquire
Variable 100% Offset	7.19% CPR 7.63%	80%	Enquire
Line of Credit	8.29% CPR 8.39%	80%	Enquire
Fixed Interest Rates
1 Year Fixed	7.29% CPR 7.38%	80%	Enquire
2 Year Fixed	7.29% CPR 7.38%	80%	Enquire
3 Year Fixed	7.29% CPR 7.37%	80%	Enquire
4 Year Fixed	8.09% CPR 8.52%	80%	Enquire
5 Year Fixed	8.04% CPR 8.57%	80%	Enquire
7 Year Fixed	8.09% CPR 8.33%	80%	Enquire
10 Year Fixed	9.09% CPR 8.84%	80%	Enquire

Loan Type	Interest Rate	Loan to Value	Quotes
Variable Interest Rates
Variable to $1 million	6.94% CPR 7.23%	80%	Enquire
Variable Over $1 million	6.94% CPR 7.23%	80%	Enquire
Variable 100% Offset	6.99% CPR 7.50%	80%	Enquire
Fixed Interest Rates
1 Year Fixed	6.99% CPR 7.50%	80%	Enquire
2 Year Fixed	6.99% CPR 7.50%	80%	Enquire
3 Year Fixed	6.99% CPR 7.50%	80%	Enquire
4 Year Fixed	7.69% CPR 7.99%	80%	Enquire
5 Year Fixed	7.54% CPR 8.17%	80%	Enquire
7 Year Fixed	7.79% CPR 8.12%	80%	Enquire
10 Year Fixed	7.79% CPR 8.21%	80%	Enquire

Loan Type	Interest Rate	Loan to Value	Security Type	Quotes
Traditional Lenders
Variable Interest Rates	6.14% to 9.74%	80%	Commercial	Enquire
Variable Interest Rates	6.14% to 7.59%	90%	Residential	Enquire
Fixed Rates From	6.12% to 8.89%	80%	Commercial	Enquire
Lease Doc From	6.49% to 7.89%	80%	Commercial	Enquire
1 Year Fixed from	6.33% to 9.51%	80%	Commercial	Enquire
2 Year Fixed from	6.21% to 9.63%	80%	Commercial	Enquire
3 Year Fixed from	6.12% to 9.88%	80%	Commercial	Enquire
5 Year Fixed from	6.26% to 9.71%	80%	Commercial	Enquire
Self Employed Low Doc from	7.09%	80%	Commercial	Enquire
Development Rate from	4.89% + line fee	75%	Commercial	Enquire
SMSF Self Managed Super Fund from	7.49%	80%	Commercial	Enquire
Medical Professionals from	6.12%	100%	Commercial	Enquire
Private Lenders
Variable Interest Rates from	7.40% to 10.38%	80%	Commercial	Enquire
Fixed Rates from	8.35% to 11.15%	80%	Commercial	Enquire
SMSF Property Finance from	7.49%	75%	Commercial	Enquire
Development Finance from	7.45%	75%	Commercial	Enquire

Please Note: that the above interest rates are only examples. Interest rates are subject to change Pricing and maximum LVR will vary based on the location, facility size, type of asset and quality of the overall transaction. Lowest pricing based on facilities $5M+. Please complete an online form so we can assess your commercial lending needs.

WARNING: The comparison rates (CPR) for all home loans are bsed on secured credit of $150,000 and a term of 25 years. The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.

Non broker loans only apply to standard residential property purchases for owner occupied and investment property loans. We do not find loans ooutside our broker panel for low doc and poor credit residential loans, commercial property loans, business loans and equipment finance

Smart Search Finance is not making any suggestion or recommendation about a particular credit product from this website. You may be viewing a product that is unsuitable for your lending needs. It is highly advised that you speak to one of our qualified licenced advisors or the relevant financial institution to ensure that interest rates, product information and your financial needs are suitable to apply for that product.

Enquire Here

Looking to Refinance?

Get your free Mortgage Health Check and we can compare your loan to 100's of mortgage products that include the major banks and many other lenders.

LENDING AUSTRALIA WIDE

Our Network

6 States 2 Territories Across Australia Wide Network of Lenders

Sydney
Melbourne
Brisbane
Adelaide
Hobart

Perth
Canberra
Darwin
Regoinal Australia
See More..

BANK, NON BANK AND PRIVATE LENDERS

We are accredited with a large range of lenders so we can provide a solution for your finance needs. We source and negotiate finance with the major banks, second tier banks, non banks and hundreds of private lenders.

Australia's Most Competitive
Home Loan Interest Rates.

OUR SERVICES - HOW WE ARE DIFFERENT

Home Loans

Property Investment Loans

Commercial Loans

Mortgage Calculators

Lenders and Brokers

Our Network

TODAY'S INTEREST RATES

Looking to Refinance?

LENDING AUSTRALIA WIDE

6 States 2 Territories Across Australia Wide Network of Lenders

BANK, NON BANK AND PRIVATE LENDERS

Get Home and Investment Loan Quotes Below.

Australia's Most CompetitiveHome Loan Interest Rates.

OUR SERVICES - HOW WE ARE DIFFERENT

Home Loans

Property Investment Loans

Commercial Loans

Mortgage Calculators

Lenders and Brokers

Our Network

TODAY'S INTEREST RATES

Looking to Refinance?

LENDING AUSTRALIA WIDE

6 States 2 Territories Across Australia Wide Network of Lenders

BANK, NON BANK AND PRIVATE LENDERS

Get Home and Investment Loan Quotes Below.

Australia's Most Competitive
Home Loan Interest Rates.