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Smartmove Support

All posts by Smartmove Support

What the Latest Rate Cuts Mean for You – Savings and Borrowing Power in a Shifting Market

By | Latest News, Uncategorized

After 14 consecutive increases, the Reserve Bank has now cut the cash rate by 0.50% across two reductions in 2025. For homeowners and buyers alike, this shift presents meaningful changes — especially in the face of rising cost-of-living pressures. For existing mortgage holders, the average Smartmove client is now saving around $300 per month or $3,600 annually, simply by refinancing to a sharper rate. Based on an average loan size of $600,000, this is a real opportunity to relieve budget stress and reallocate those funds toward essential household spending or…

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Smartmove’s Broker Academy Program named Finalist for the 4th year in a row

By | Latest News

Smartmove’s Broker Academy Program has been named a finalist for the Professional Development Award at the 2025 MFAA National Excellence Awards — for the 4th year in a row! This recognition reflects our ongoing commitment to developing industry-leading brokers and investing in professional growth. A big thank you to our incredible team and everyone who continues to support the program. We look forward to celebrating in Melbourne on July 23rd alongside so many inspiring professionals.

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A Smarter Approach to Borrowing in a High-Rate Market

By | Tips

With 13 interest rate rises since May 2022, many Australians are finding it harder than ever to borrow what they need to buy a home or invest in property. One of the biggest hurdles right now is the “stress test” applied by lenders. Even if the interest rate you’re paying is around 6%, the banks assess you as if you’re paying 9% or more. It’s their way of making sure you can still manage your repayments if rates rise again, but it can seriously limit how much you’re allowed to…

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How do I know I’m getting a good deal from my lender?

By | Tips

While doing your research and comparing what’s out there in the market is one of the most obvious ways to find out whether you’re sitting on a good deal, it can be a time consuming practice and an overwhelming experience for those without specialist knowledge of the mortgage sector. It’s good to shop around, and yes you can use comparison websites, but because lenders call like products different names, it can get very difficult comparing apples with apples. Brokers know the special names and pricing, so it’s worthwhile working with…

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The importance of doing your research in a growing lender marketplace

By | Uncategorized

The number of lenders available in the market has highlighted the need for greater research and consideration, or ‘due diligence’, when searching and applying for a loan. The act of purchasing a property, commonly requiring the production of significant personal information, coupled with the commitment of large sums of money, can be stressful. And now, with a wide variety of new lenders entering the marketplace, confidently choosing a lender you are comfortable with can feel downright overwhelming. Fortunately, there are steps you can take to help you make the right…

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How to keep your loan application on track

By | Uncategorized

Other than the obvious documentation that needs to accompany an application, satisfactory identification and evidence of income by way of pay slips, many lenders will expect to see a reference from your employer, group certificates or tax returns, and records of any investments or shares that you might have. If you are self-employed, you will need to organise alternative documentation to prove income, such as financial statements relating to the profit and loss of your business going back two years. Lenders will also want to see bank statements going back…

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