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plate with debt relief just ahead

Our Services


Smortgage provides complete lending support for every stage of your financial journey


Contact Us

🏠 Home Loans

  

First home buyers, next home buyers, owner-occupiers

  • Borrowing capacity guidance
  • Expert loan structure and lender selection advice
  • Step-by-step support from approval to settlement
  • First Home Owner Grant (FHOG) application — if eligible
  • First Home Guarantee / Single Parent Guarantee Scheme applications — if eligible
  • Guidance to help you choose the right lender that participates in government grants and guarantee schemes
  • Full explanation of all government support options available to you

💼 Investment Loans

Build your wealth with the right loan strategy

  • Selecting the right loan structure to maximise investment outcomes
  • Optimising tax efficiency and long-term cash flow as per client's Accountant's requirement
  • Multiple-property portfolio planning and management
  • Comparing lender policies for trust, company and high-value investor scenarios
  • Access to a wide range of investment-friendly lenders
  • Ongoing portfolio reviews and long-term restructuring support

🔄 Refinance & Restructure

Lower your repayments, reduce interest, or unlock equity

  • Compare 80+ lenders
  • Save on interest
  • Improve cash flow
  • Release extra equity

👔 Self-Employed & Company Loans

Solutions tailored for business owners

  • Low-doc / alt-doc options
  • Company & trust borrowers
  • BAS, financials, accountant support

🏢 Commercial & Business Finance

  • Buying or refinancing shops, offices, warehouses, factories, childcare centres, medical clinics, petrol stations, and more
  • Commercial investment and owner-occupied loans
  • Business loans for cash flow or expansion
  • Equipment finance for machinery, vehicles and specialised assets
  • Invoice finance to strengthen cash flow
  • Lending solutions for company and trust structures
  • Simple, guided support from application to settlement

📘 SMSF Loans

Specialised lending solutions for Self-Managed Super Funds, with clear structure guidance and compliance-focused support.

  • Residential SMSF property purchases and refinances
  • Commercial SMSF loans: new purchases and refinances
  • Loan structure and documentation guidance
  • Compliance-aligned lending with SMSF-friendly lenders

🏗️ Construction Loans

Flexible finance solutions for building your new home or investment property, with guidance at every stage of the construction process.

  • Construction loans for new builds, knockdown rebuilds, and major renovations
  • Progressive drawdown structure and payment scheduling
  • Lender comparison for construction-friendly policies 
  • Coordination with builders, valuers, and lenders
  • Support from approval to final

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