SMARTSEARCH FINANCE

Home Loans
Australia Wide.

Residential property loans for home buyers, first home buyers, property investors and SMSF loans from more than 40 lenders. Self-employed and poor credit options also available.

Licenced and professional advisors

Today's Interest Rates

Updated 27th November 2023.

  • Variable Rates from 5.89% CPR 5.95%
  • Fixed Rates from 6.04% CPR 6.09%
  • Investment Variable from 6.19% CPR 6.22%
  • Investment Fixed from 6.14% CPR 6.23%
  • Commercial Loans from 6.09% CPR NA%
  • SMSF from 6.89% CPR 7.10%

    • Up to $3,000 CASH BACK for Residential Loans

Get More Rates

OUR SPECIALISED SERVICES

Highly qualified specialists in commercial finance and residential lending that are educated, licenced and ASIC registered.

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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.

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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.

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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.

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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.

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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.

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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.

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.

TODAY'S INTEREST RATES

Last Updated 27th November 2023. Interest rates are subject to change. Reserve Bank of Australia increased rates by 0.25% to 4.35% on 7th November.

Up to $3,000 CASH BACK for home and investment loans for purchases and refinance over $250,000. 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 5.89% CPR 5.95% 95% Enquire
Variable Over $1 million 5.89% CPR 5.95% 95% Enquire
Variable 100% Offset 6.04% CPR 6.40% 95% Enquire
Line of Credit 6.60% CPR 6.75% 80% Enquire
Vacant Land 6.04% CPR 6.07% 95% Enquire
Fixed Interest Rates
1 Year Fixed 6.09% CPR 5.99% 95% Enquire
2 Year Fixed 6.19% CPR 6.10% 95% Enquire
3 Year Fixed 6.04% CPR 6.09% 95% Enquire
4 Year Fixed 6.04% CPR 6.10% 95% Enquire
5 Year Fixed 6.04% CPR 6.11% 95% Enquire
7 Year Fixed 7.29% CPR 7.05% 95% Enquire
10 Year Fixed 7.29% CPR 7.59% 95% Enquire
WARNING: The comparison rates (CPR) for all home loans are based 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.

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.

$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 6.19% CPR 6.22% 95% Enquire
Variable Over $1 million 6.19% CPR 6.22% 95% Enquire
Variable 100% Offset 5.94% CPR 6.30% 95% Enquire
Line of Credit 6.49% CPR 6.73% 95% Enquire
Fixed Interest Rates
1 Year Fixed 6.39% CPR 6.10% 95% Enquire
2 Year Fixed 6.14% CPR 7.73% 95% Enquire
3 Year Fixed 6.19% CPR 6.11% 95% Enquire
4 Year Fixed 6.19% CPR 6.12% 95% Enquire
5 Year Fixed 6.19% CPR 6.13% 95% Enquire
7 Year Fixed 7.29% CPR 7.42% 95% Enquire
10 Year Fixed 7.29% CPR 7.38% 95% Enquire
WARNING: The comparison rates (CPR) for all home loans are based 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.

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.
Loan Type Interest Rate Loan to Value Quotes
Variable Interest Rates
Variable to $1 million 7.04% CPR 7.21% 80% Enquire
Variable Over $1 million 7.04% CPR 7.21% 80% Enquire
Variable 100% Offset 7.04% CPR 7.21% 80% Enquire
Line of Credit 7.49% CPR 7.59% 80% Enquire
Fixed Interest Rates
1 Year Fixed NA CPR NA 80% Enquire
2 Year Fixed 7.44% CPR 7.10% 80% Enquire
3 Year Fixed 7.49% CPR 7.17% 80% Enquire
4 Year Fixed NA CPR NA 80% Enquire
5 Year Fixed 7.64% CPR 7.35% 80% Enquire
7 Year Fixed 7.79% CPR 7.55% 80% Enquire
10 Year Fixed 8.09% CPR 7.93% 80% Enquire
WARNING: The comparison rates (CPR) for all home loans are based 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.

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.
Loan Type Interest Rate Loan to Value Quotes
Variable Interest Rates
Variable to $1 million 6.89% CPR 7.10% 80% Enquire
Variable Over $1 million 6.89% CPR 7.20% 80% Enquire
Variable 100% Offset 6.94% CPR 7.52% 80% Enquire
Fixed Interest Rates
1 Year Fixed 7.54% CPR 7.59% 80% Enquire
2 Year Fixed 7.44% CPR 8.91% 80% Enquire
3 Year Fixed 7.29% CPR 8.78% 80% Enquire
4 Year Fixed 7.54% CPR 7.76% 80% Enquire
5 Year Fixed 6.99% CPR 8.56% 80% Enquire
7 Year Fixed 7.54% CPR 7.88% 80% Enquire
10 Year Fixed 7.54% CPR 7.97% 80% Enquire
WARNING: The comparison rates (CPR) for all home loans are based 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.

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.
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 6.19% to 7.59% 90% Residential Enquire
Fixed Rates From 6.09% to 8.89% 80% Commercial Enquire
Lease Doc From 6.49% to 7.89% 80% Commercial Enquire
1 Year Fixed from 6.09% to 9.51% 80% Commercial Enquire
2 Year Fixed from 6.57% to 9.63% 80% Commercial Enquire
3 Year Fixed from 6.89% to 9.88% 80% Commercial Enquire
5 Year Fixed from 6.95% to 9.71% 80% Commercial Enquire
Self Employed Low Doc from 7.54% 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 6.79% 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.
Get Free Quotes Here

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.

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LENDING AUSTRALIA WIDE

Our Network

6 States 2 Territories Across Australia Wide Network of Lenders

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Sydney

ACT

Brisbane

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