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Our Services

We're here to listen, help, and make your dreams become a reality.

What sets us apart is our commitment to working closely with you, tailoring our services to best suit your goals and needs.

Whether you are a first home buyer, existing home owner looking to upgrade and/or move to a different location, a seasoned investor, or are just looking to optimise your financial position by finding a cheaper interest rate, we will walk with you and stand by you on your journey.

At Smyth Loan Co we specialise in residential home and investment lending, with access to over 50 lenders of all shapes and sizes. Every situation is unique and requires a different solution, we know from experience what will work best, and which options are in your best interests.

We are more than just mortgage brokers; we are people, who understand people. We are your friends in the world of finance and are ready to help you make your dreams a reality.

Contact us today and see what we can achieve – Dream BIG!

Our Services Include:

Home Loans

Whether you’re purchasing your first home, upgrading, or refinancing your existing loan, we have the expertise to assist you in finding the perfect home loan.

Investment Loans

Looking to grow your property portfolio? Our team can guide you through investment loan options to maximize your potential returns.

Refinancing

Maximize interest savings by switching to a cheaper rate Or utilise equity for that much needed home reno or holiday. Our Refinance Loans optimize mortgages. Elevate your financial strategy with expert guidance and competitive rates. Your path to better financing starts here.

First Home Buyers Loan

Step into your first home confidently. Our tailored loans guide your homeownership journey. Your dream home is within reach with our expert assistance.

Construction Loans

Building your dream home?
Our construction loan solutions can provide the necessary funds to turn your vision into reality.

Debt Consolidation Loan

Simplify your finances and reduce your interest payments by consolidating your debts with our tailored solutions.

Personal Loans

Empowering life’s ambitions. Our flexible Personal Loans aid renovations, events, and debt consolidation. Embrace opportunities with competitive rates and adaptable terms.

Vehicle Loans

Drive with certainty. Our Vehicle Finance offers hassle-free options for your dream ride. Get behind the wheel, powered by seamless financing.

Development Loans

Build futures with us. Our Development Loans fuel projects—residential to commercial. Your vision, backed by financial support and expertise.

Asset Finance

Expand, prosper, own. Asset Finance fuels business growth and personal collections. Acquire assets with tailored financing, enhancing potential.

Government Grants

There are several State & Federal Government Grants, Schemes & Incentives that may improve your chances of owing a home if your income is not quite enough to borrow what is needed through normal means OR your deposit is lacking.

Professional Packages

Tailored packages for professionals, executives and self-employed business owners.

Ready to make the move?

Get in Touch
Ready to discover the keys to increasing your borrowing capacity? We’re sharing our best tips to help you improve your borrowing power! 🔑📈

Tip 3: Optimise your expenses

How much you’re spending day-to-day can play a role in determining what you can borrow. Take a closer look at your monthly expenses - from service providers to healthcare and of course, Uber Eats! Identify areas where you can trim and ideally redirect those funds towards loan repayments.

If you want to chat to an experienced broker who can help you identify ways to increase your borrowing capacity, get in touch today!

#MortgageBroker #MortgageTips #BorrowingCapacity #FinancialFreedom #FinancialGoals #DebtFreeJourney
💡 If you’re an investment property owner, understanding property depreciation is essential! Here’s why:

🏡 What is property depreciation?

Property depreciation is a tax deduction available to investment property owners. It refers to the wear and tear on the building and its fixtures over time, not the overall market value of the property.

🔍 How does it work?

The Australian Taxation Office (ATO) allows you to claim deductions in two ways:

Diminishing Value Method: Higher deductions in the early years.

Prime Cost Method: Equal deductions over the property’s life.

📉 Example:

Diminishing Value: If your property was purchased for $500,000, you could claim $25,000 in the first year.

Prime Cost: With a 2.5% annual deduction, you would claim $12,500 each year.

💸 Why claim depreciation?

Claiming depreciation reduces your taxable income, meaning you pay less tax. This reflects the natural wear and tear on your property.

🤔 Want to learn more? Hit follow or reach out to us today!

#InvestmentProperties #PropertyDepreciation #MortgageBroker #HomeLoans
Reminder! 🚨

We can help with a wide range of services including home loans, business loans, asset finance, debt consolidation, refinancing and much more!

Reach out today via the details on our page to learn more.

#MortgageBroker #HomeLoans #RefinanceLoans #AssetFinance #BusinessLoans
Need to bridge the gap between your current and future home? 🏠💰

Whether you're upsizing, downsizing, or relocating…bridging loans offer the solution to seamlessly transition to your next property, before selling your current one.

Contact us today via the info on our page to learn more!

#MortgageBroker #BridgingLoans #SeamlessTransition #HomeOwnershipJourney
... just a quick one though! 

Loans 📈📉 to write 💻🖱✍️ 
Dreams 🌄🏠 to secure ✨️ ✅️ 

#gettingitdone #smythloanco
Ready to discover the keys to increasing your borrowing capacity? We’re sharing our best tips to help you improve your borrowing power! 🔑📈

Tip 2: Income — Higher income translates to a higher borrowing capacity.

If you’re able to, explore opportunities to increase your earnings: take on extra work, negotiate a raise, or tap into alternative income streams.

If you’ve recently increased your overall income and want to chat to a professional about what it means for your borrowing capacity, get in touch today!

#MortgageBroker #MortgageTips #BorrowingCapacity #FinancialFreedom #FinancialGoals
Don't let financial stress weigh you down! 📉 It's time to take control of your finances and explore your options.

💰✨ Refinancing your loan could be the game-changer you've been looking for. With our expert guidance, you can potentially lower your interest rates and save big bucks in the long run. 🏡💸

Don't wait until it's too late! Reach out today and let's discuss how we can help you ease that pressure and put more money back in your pocket.

#MortgageBroker #Refinance #FinancialFreedom #SaveMoney
Not bad on the cheeks either #goodchair 😂