The smart way to loan.
Welcome to Smyth Loan Co Pty Ltd.
Your trusted digital mortgage broker and home loan specialists!
We understand that finding the right home loan or finance option can be a complex and time-consuming process - We are here to simplify that process and streamline your lending journey.
As a modern and innovative business, Smyth Loan Co merges the latest technology with extensive lending expertise, providing tailored solutions built specifically towards your needs.
We operate remotely across Australia, servicing all States and Territories. We understand that people lead busy lives and as such, we are flexible with our time. We are anywhere, anytime.
Specialising in residential home loans and investment loans, refinancing, debt consolidation, and construction funding, our 18+ years of finance mastery comes with access to a network of over 50 esteemed lenders.
Beyond a mere transaction, a loan symbolises a transformative journey—one we embark on together, fueling your path to dream and achieve a brighter future… Join us in igniting this journey today.
More About Us
🚨 The Reserve Bank of Australia has just announced their latest update for 2024. 🚨
The cash rate is once again remaining on hold this month at 4.35%, with the RBA citing persistently high underlying inflation as the primary reason for maintaining the current rate.
Remember, if you’re feeling a little concerned about interest rates, you can always reach out to us to discuss your options! 📞
#Finance #HomeLoans #HomeLoan #Mortgage #RealEstate #RBA
Don`t let confusing finance lingo hold you back! 🏠💼
Understanding balloon payments is crucial because they can significantly impact a borrower’s financial planning and repayment strategy, potentially leading to difficulties if the large final payment cannot be met.
Ready to empower yourself with financial knowledge? Hit follow today!
#LoanLiteracy #FinancialEmpowerment #SmartBorrowing #BalloonPayment
The Best Interests Duty (BID) legislation requires mortgage brokers to prioritise your needs and preferences above their own financial interests when recommending a home loan. 🏡 This means they must act in your best interests, ensuring you receive tailored advice that suits your unique circumstances!
In contrast, if you approach a bank directly for a loan, you lack the same legal protections. Lenders will present only their own products, with no obligation to guarantee the best possible outcome for you when compared to other lenders.
So, if you want personalised advice and a broader range of options, consider working with a mortgage broker. Give us a call today to discuss your options!
#MortgageBroker #BestInterestsDuty #HomeLoans #FinancialAdvice
Many first home buyers believe a hefty 20% deposit is a must before applying for a loan. However, with options available through the First Home Guarantee (FHBG), you could start your journey with just a 5% deposit!
Here`s what you need to know:
🔍 Why 20%?
Traditionally, lenders prefer a Loan to Value Ratio (LVR) of 80%, meaning they want you to have a 20% deposit. This approach protects them against property value drops.
💰 If You Don’t Have 20%:
Some lenders may accept deposits as low as 5%, often requiring Lenders Mortgage Insurance (LMI) to mitigate risk. With the FHBG, eligible buyers can have the government cover the LMI costs, potentially saving thousands each year!
✨ The Upside of Smaller Deposits:
Waiting to save a larger deposit may seem wise, but in a rising market, acting sooner might be more beneficial. Delaying could mean losing out on equity as property prices climb.
If you`re a first home buyer looking to navigate your options, we’re here to help! Let`s chat about your situation and see how we can help you get into your first home sooner!
#FirstHomeBuyer #MortgageAdvice #FHBG #PropertyInvestment #HomeLoanTips #MortgageBroker
Is your personal credit holding you back from securing a mortgage? Dealing with credit issues can feel daunting, but you don’t have to face them alone!
We specialise in creating customised strategies to help you overcome credit challenges and move towards homeownership. 🏡✨
With access to a wide range of specialised lenders, we’re here to work alongside you, addressing your unique situation and answering your questions, such as:
• What loan options are available for your circumstances?
• How can you effectively manage any outstanding credit?
• Are you prepared for the financial commitment of a loan?
Don’t let credit concerns hold you back! Reach out today, and let’s discuss how we can help you prepare for your dream home. Together, we’ll pave the way to your success! 💪💼
#CreditChallenges #Homeownership #MortgageBroker #YourPathToHome
Why limit your options when it comes to securing a home loan? 🤔
When you go directly to a bank, you`re only getting their specific loan products. As a mortgage broker, we compare home loans from over 40 different lenders, offering you a much broader choice tailored to your needs, not the banks…
Whether you`re buying, refinancing, or investing, having more options means finding the loan that`s right for you!
#MortgageBroker #HomeLoans #FinanceTips
Who is Smyth ?
Smyth aka Jason Smyth, is firstly, a born + bred Tasmanian (one-head, not two).
He is a down-to-earth human being (part-time machine), well adept in the art of mortgage broking.
He has veteran of home loans, having seen thousands in his time.
He is a larrikin, yet is an honest, hardnosed workhorse, & all-round good guy.
He is meticulously thorough & takes great pride in assisting others achieving their goals.
He loves seeing smiles on faces & hearing the joyous reactions whenever a loan is approved!
He has a passion for the outdoors, big mountains & the water.
He is a ‘tell it how it is’ type of person.
Most importantly though, he is here to help you!
He is Smyth Loan Co.
priscilla yantie25 August 2024Jason is professional, expert, knowledgeable, responsive, very helpful and communicative. He listen to our problem and needs, gives sound advice, expert in assisting us in getting the best loan and rate, very organised and keep us in the loop during the process. We have already recommended Jason service to others.
Elena Zuban6 August 2024Jason is a great mortgage broker. He found a great solution for us that was tailored to our specific needs. His communication was excellent and we are very pleased with his service.
rynorx710 July 2024Jason is a true professional, he has been extremely helpful and made the process of obtaining our construction loan for our new home a breeze. We couldn't have asked for anything more, amazing support and knowledge. Great experience thank you Jason.
Campbell Conveyancing19 June 2024Always a pleasure dealing with Jason. Highly recommend.
Emily Hunt16 June 2024Jason is great bloke! Friendly, trustworthy and professional. Would recommend.
Tom Goddard14 June 2024Jason is fantastic to work with and would highly recommend his services to anyone!
Katie Miller7 June 2024Thank you so much Jason for the amazing help you gave us with getting our home loans sorted as we went from one house to two! What could have been a really stressful situation was made really simple by the way in which you communicated and problem solved for us. I felt like we could trust you straight away, you outlined the facts, gave solutions and proactively worked towards our goal. We felt kept in the loop at all times and you gave us confidence in what we were doing. You have exceeded our expectations of what a broker does by a mile and would recommend you to anyone. Once again, thank you!
Annie Gardner4 June 2024Jason helped me to find the right property loan to build a granny flat. He's professional, friendly and knew all necessary information & documents required. The application was completed online which saved me a lot of time. He ran through several mortgage options and managed to find the most suitable loan possible. Jason provides excellent and exceptionally quick service, highly recommended him for everyone who is looking for an experienced and a reliable mortgage broker.
Michael Doran22 May 2024Jason has been incredibly helpful throughout the entire process of my fiance and I buying our new home. He has been very quick to respond to any questions or queries we've had, and done all the hard work for us, condensing it all into a very easy step by step process. Do yourself a favour and give Jason a ring if you ever need a broker to sort everything out for you.
Jacobus Jak2 May 2024Jason at Smyth Loan Co is a legend ! Prompt responses to any questions we had. kept us going through the process as we managed our busy lives. Smooth a process as it could be. Couldnt recommend Smyth Loan Co Enough !
Why Smyth Loan Co ?
At Smyth Loan Co we work with five important key values including:
1. Expert Advice
2. Digital Convenience
3. Speedy yet Thorough
4. Personalised Finance Solutions
5. Transparency and Honesty
We care about you and your goals!
We want to save you time and money
We speak bank so you don’t have to
We are here with you, and for you
We assist in seeing dreams becoming a reality
