Home & Investment Loans

Smart Lending for Every Type of Property Journey.

At SMC Finance, we believe financing a home or building a property portfolio should be more than transactional – it should be strategic. Whether you’re purchasing your first home in Sydney, expanding your portfolio in Melbourne, or refinancing in Brisbane, our expert guidance ensures every decision is informed, intentional, and aligned with your broader financial goals.

Uncertainty around borrowing power and loan structures

Lack of clarity when comparing fixed, variable, offset, or interest-only options

Difficulty accessing finance as a self-employed borrower or investor

Inadequate advice on building a scalable property portfolio

Frustration with delays, jargon, or impersonal service from banks

Comprehensive Lending Services for Homes and Investments

First Home Buyer Guidance

Step-by-step support, from pre-approval to settlement — including First Home Buyer Grants and Government Schemes.

Refinancing & Restructuring

Reduce your repayments, access better rates, or unlock equity for renovations or investment.

Upgrading or Downsizing

Navigate bridging loans and transition finance with clarity and confidence.

Self-Employed & Complex Income Loans

Specialist knowledge in securing finance for freelancers, company directors, and those with non-traditional income.

Investment Property Finance

Secure strategic funding to support growth, positive cash flow, and long-term equity gains.

Portfolio Lending & Equity Unlocking

Leverage existing assets to expand your property portfolio across Australia.

Tax-Efficient Structuring

We collaborate with your accountant or adviser to ensure your investment loan is aligned with your wealth goals.

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