Find your
dream home

Request a callback

Simply fill in the form below and one of our experts will be in touch with you.

Home Loans

It may be relatively easy to narrow down what you’re looking for in a new home or investment property, but where do you start when it comes to loan options? With consistent updates to policies, rates, new products and so many lenders saying they are offering the ‘best’ rate or loan, it is a good idea to get some help from our loan specialists.  Their knowledge and advice provide you with real options.

Professional Home Loan Packages

For the discerning buyer that wants linked credit cards, offset accounts, Line of credit facilities etc.

This is lending with all the bells and whistles for more flexibility in managing your loans for your present needs and into the future. This type of lending is suitable for clients with available cashflow or equity, perhaps self-employed and can see positive changes in the future.

Investment Loans

Building your investment portfolio? We work with your Accountant and Financial Planner to ensure your investment is working for you and in line with your financial goals. Having the correct structure is important with investment lending. How you approach an investment loan is important from the very beginning and needs professional expertise.

First Home Buyers – the basics

Buying or building our first home is a big step and you should be asking these important questions.

  • How much can I borrow?
  • What deposit do I need?
  • What will my repayments be?
  • What sort of loan should I get?
  • What fees and costs are involved?

We are here to answer those questions and more. Our Brokers help guide you through this entire buying process, including liaising with the Real Estate Agent, your Solicitor and the lender. With seasoned professionals doing the application, it gives you the best chance of an approval and a smooth progression to settlement. More importantly, getting you into your very first home. If you are not quite in a position to buy now, we put you on a home loan plan to get you there sooner, talk to us about that.


The only constant in Life is CHANGE, and no doubt your financial needs and circumstances will too?

There are so many variables in refinancing its important to speak to a professional to assist you and ensure you have the right product to suit your needs.

Changed jobs? Had a baby? Separation? Wanting a better rate? Renovating? Want to Consolidate?

Not every bank has an appetite for all scenarios, talk to us.

Construction Loans/Building

These types of loans can prove to be very complicated if not handled by a professional.   Conveying between all interested parties is time consuming and requires in-depth knowledge of the building process. When wanting to build a house, it can require 1 or 2 separate applications.

The following things to consider:

  • Purchasing of land
  • Selecting a Builder;
  • Finalising Plans, specifications, contracts and applicable approvals.
  • Managing the progress payments for your construction loan.

We are by your side through this process.  

What our clients say about us

After the stress of dealing with banks and other mortgage brokers who were basically non-responsive, Robyn and Jessica at Smarter Mortgage Solutions were like a breath of fresh air.


Special thanks to Robyn and the team at Smarter Mortgage Solutions for getting us into our next home and keeping it smooth from Pre-Approval to Settlement!

Aidan & Amy

Robyn and her team went the extra mile to get me a great home loan. I was kept updated each step along the way and appreciate their hard work. Thank you for your persistence Robyn and the Smarter Mortgage Solutions Team. Highly recommended!


Get in touch with us, we can’t wait to hear from you!

(07) 4041 4733

Available Mon - Friday

Visit Us

221 Lyons Street, Westcourt
Cairns QLD 4870