Craig Forsyth at Smartline in Atwell, Western | Mortgage brokers

Craig Forsyth at Smartline

Locality: Atwell, Western

Phone: +61 411 222 726

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25.01.2022 Our hearts go out to all those affected by Australias ongoing bushfires, and we give our sincere thanks to all those who are working to support and protect our communities. Smartline has joined the global fundraising effort, donating to the Red Cross Bushfire Appeal an organisation with a huge depth of experience in supporting communities during times of crisis. Some lenders are offering Bushfire Relief Packages, so if you or your family have been affected by the fires please dont hesitate to get in contact with me and I will assist you in any way I can.

25.01.2022 There has never been a better time to review your home loan. With interest rates at a record low, you could potentially save money on your home loan. If youd like me to review your current home loan, give me a call to discuss.

24.01.2022 Happy Fathers Day to all of the amazing Dads out there!

24.01.2022 A recent analysis of 30,000 mortgages reported in the Australian Financial Review showed that approval times for investors have doubled, and are up by 50 per cent for owner-occupiers. Delays in the lending approval process have become yet another hurdle to overcome for borrowers, on top of tightened lending standards. http://ow.ly/bIOY30oPTvG

23.01.2022 Are you looking to refinance, buy your first home, invest in property, need to source a commercial loan, finance for business assets or even buy a new car? I can help with all of this! Having someone in your corner, working for you, can relieve some of the stress and also save you time so you can focus on what is important to you. Give me a call if you would like to discuss. 0411222716 or [email protected]

23.01.2022 Its that time of the year again when Santa in a Ute roams the suburb. Listen out and look out for us.... We start tonight at 5.30pm from Haring Green and con...tinue via right (R) into Lydon, left (L) Gilbride via walkway, R Buss, R Lipton, L Marich, L Lydon via walkway, R Freshwater, R Empress, R Mahogany anticlockwise, R Empress, R Freshwater, L Tiberias, R Veneta anticlockwise, straight ahead via walkway Rosehill, L Lydon, L Minyon, L Lydon, R St Claire clockwise, L via walk path to Hawkesbury, Hawkesbury clockwise, R Ranson straight ahead to Delton, L Hawkesbury, L Lydon, L Mosedale, via footpath back to Haring, End. See more

23.01.2022 Happy Father's Day to all of the amazing Dads out there!

21.01.2022 In light of social distancing recommendations, Smartline has instigated an amended policy to allow video conference calls in place of face-to-face meetings. We are also working closely with our lenders and with our industry representative, the Mortgage & Finance Association of Australia, regarding meeting policies to ensure our clients can still take out new loans during this time. If you do require a loan, please give me a call to discuss your options. Lets stay connected and all look after one another during this difficult time.

20.01.2022 Your credit rating may not seem like a huge priority right now; however, its important not to let it slide by neglecting your financial commitments. Taking a few extra steps now to check in on where you stand could save you years of pain. ow.ly/NlHB102ieDj

19.01.2022 Reviewing your home loan, or switching home loans, could potentially save you money. It can also free up cash for renovations, investment properties and other purchases. First, you need to know if its worth doing, where you stand and whats involved. Give me a call on 0411222726

17.01.2022 To all my friends and clients, we are living in challenging times. If you or friends or family are having any issues with paying your Home Loans please let me know so I can give you the correct information and process for your particular lender. Im here to help. Craig... 0411222726 [email protected] See more

17.01.2022 Comprehensive Credit Reporting changes you need to know The term bad credit rating strikes fear into the heart of any borrower. A poor credit history can lead to you paying higher rates for a loan, or may even mean you are unable to get a loan at all until your history expires (which may take up to seven years).Until now, however, the only information lenders could access from Australias three Credit Reporting Bureaus (CRBs) were applications for credit, defaults and b...ankruptcies.However, changes to Comprehensive Credit Reporting mean that Australias Big Four banks are now mandated to share all their customers credit and debt details with the CRBs.NAB, Westpac, Commonwealth Bank and ANZ have already started sharing their customer credit information, and will complete this sharing of data by September this year.This means if you bank with one of the Big Four, other lenders will be able to see all your:loan balances (car finance, store loans, mortgages and personal loans)credit card limits missed repayments (last two years)late repayments (last two years)credit limit breaches (last two years)directorships applications for credit, credit defaults bankruptcies. Dont think you are home free if you bank with a second-tier lender. Many non-Big Four banks are also voluntarily sharing various types of data with CRBs, including Citibank, HSBC and Bankwest. .As a result, your credit history has never been more important, as access to loans in the future will be impacted by all the above information.Many Australians actually have credit facilities they didnt know they had, or had forgotten about. This is particularly common with interest-free loans taken out at retail shops, or credit cards taken out for the purpose of getting frequent flyer points and other deals. Sometimes the debts are paid down to $0, but have not been closed.You may be able to access your credit report for free here. You will need your Driver Licence and Medicare numbers.If you are worried about your credit rating, contact me as soon as possible on 0411 222 726 or [email protected]. I can advise you on the best steps to take to remedy the problem, and which lenders may be more willing to lend to you, depending on your individual circumstances. See more

17.01.2022 The Reserve Bank of Australia has announced that in its Board meeting today, it has decided to leave the cash rate unchanged at 0.75 per cent. You can read the full statement by Philip Lowe (Governor) on the decision here. ow.ly/3sQ21022m52

16.01.2022 Something new is coming... Weve got some exciting news to share next week.

15.01.2022 If only every day was like this...

15.01.2022 In times like these, its important to keep routine where possible and ensure you are staying active to keep you feeling good, relieve stress and look after your happiness levels. Here are some great ways to exercise at home. ow.ly/69op102ep4g

13.01.2022 How did this come round so fast (again)?

13.01.2022 Have you heard of "Comprehensive Credit Reporting" and do you know what it entails? Find out here, and also find out how you can view your personal credit report. http://ow.ly/zUIt30owdye

13.01.2022 While the COVID-19 pandemic has created uncertainty about when life will return to normal, theres a heartwarming new movement emerging seeing neighbourhoods connect in new and often virtual ways. ow.ly/qKjK102ebAh

12.01.2022 Your credit rating may not seem like a huge priority right now; however, it’s important not to let it slide by neglecting your financial commitments. Taking a few extra steps now to check in on where you stand could save you years of pain. ow.ly/NlHB102ieDj

11.01.2022 It has been a crazy couple of weeks and even though many of us have been at home already, this long weekend is a great time to switch off completely and recharge. Lets take this time to really connect with those we love and focus on whats most important.

11.01.2022 Have you picked the winner for todays race?

11.01.2022 When youre a first home buyer, there are many strategies you can use to buy your first property, as well as grants or assistance to help you get into your home sooner. There is a lot to be aware of when youre just starting out. If youre starting the process, I can assist and simplify it for you. Give me a call if youd like to discuss how you can get the ball rolling.

11.01.2022 The RBA dropped its rate by 0.25% today! Your move BANKS - we are watching... UPDATE - ANZ are passing on full cut. Comm bank 0.19%

09.01.2022 MYTH vs. FACT - Myth: If you can get a deferral on your loan repayments you should take it because it means you may not have to pay interest for up to six months. Fact: It is recommended you keep making your usual loan repayments if possible, since deferring your repayments increases the overall cost of your loan. This is because the interest you incur during the deferral period will be capitalised (i.e. added on to your mortgage), so you will need to either increase your interest repayments after the deferral period or extend your loan term; both of these will increase total interest. Additionally, any available redraw on your loan may be used first by your lender to make your repayments during the support period. Therefore, if you need access to this money during the support period, consider transferring it to another account now.

09.01.2022 If you have been considering a major renovation or building a new home, now could be the perfect time to get started! Not only can you borrow very cheaply right now with interest rates at record lows, but you may also be eligible for a government grant of $25,000* to assist towards the cost of the project. The Federal Government hopes this new HomeBuilder scheme will encourage homeowners to spend money on construction, and keep hundreds of thousands of builders and tradespeop...le employed in the wake of a possible downturn due to the COVID-19 pandemic. I can help you choose the right finance option for your construction project so please dont hesitate to get in touch to discuss your options. *Restrictions apply, find out more here. ow.ly/lO41102gkSm

08.01.2022 The latest cash rate cut means there are now fixed home loan interest rates available in the 1's!! Can you believe that? If you'd like to find out if a fixed interest rate is right for you, give me a call.

08.01.2022 Happy Mother's Day to all of the wonderful, caring mothers out there.

08.01.2022 MYTH vs. FACT - Myth: Most borrowers can ask for a mortgage holiday so they dont have to make repayments on their home loan during the COVID-19 crisis. Fact: Deferral of mortgage repayments is only available for those who are facing significant financial hardship due to the impacts of the COVID-19 crisis and the measures to contain it. This typically means you need to have suffered a major change in circumstances such as job loss or the closure of your own business. Your lender will determine whether you fit the criteria.

07.01.2022 Happy Mothers Day to all of the wonderful, caring mothers out there.

07.01.2022 HOMEBUILDER $25,000 Grant available for Home Builders. Talk to me to see if you qualify

07.01.2022 First Home Loan Deposit Scheme (FHLDS) - What is it? Who is eligible? And how do I apply? There is a lot to know in regards to the new First Home Loan Deposit Scheme. Weve summarised the details here but if you have more questions or require more assistance, please give me a call to discuss on 0411222726 ow.ly/KZiR1028fZC

06.01.2022 At Smartline, our look may have changed but thats all. Were now part of the REA Group, but you can still expect the same expert mortgage advice that 96%^ of our clients in the past 2 years have recommended to their family and friends. ^Based on the Smartline Client Settlement Survey from 1/1/18-31/12/19.

05.01.2022 As cases of COVID-19 increase daily around Australia, its natural that your number one concern is the health of your loved ones. But its likely that protecting your financial future will also be high on the agenda as the situation evolves. So, here are a few suggestions for how you may be able to minimise the impact of the COVID-19 on your personal finances. ow.ly/FyZg102dps5

04.01.2022 The RBA has announced that the cash rate will remain on hold at the historically low rate of 0.25%. If you have any questions about your home loan interest rate or the changes in the market, please feel free to give me a call. ow.ly/3o4K102ieDs

04.01.2022 Happy Valentines Day

03.01.2022 Before the excitement of next week is in full swing, Id like to take this opportunity to thank you all for your support throughout the year. I hope youve had an amazing year and will have an even better one next year.

02.01.2022 In times like these, it’s important to keep routine where possible and ensure you are staying active to keep you feeling good, relieve stress and look after your happiness levels. Here are some great ways to exercise at home. ow.ly/69op102ep4g

02.01.2022 COVID-19: How is Western Australia helping renters? On 14 April, the WA government announced it would be introducing urgent legislation to implement a range of measures tenants and landlords of both commercial and residential tenancies, affected by the pandemic. The Residential Tenancies (COVID-19 Response) Bill 2020 will implement:... - A ban on rent increases during the emergency period - Any fixed term tenancy agreement due to expire during the period will continue as a periodic agreement - Relieving the obligation to conduct ordinary repairs if the reason they cannot do so is COVID-19 related financial hardship or a lawful restriction on movement - Allowing a tenant to end a fixed term tenancy prior to its end date without incurring break lease fees (tenants will still be liable for damage and rent arrears) The Commercial Tenancies (COVID-19 Response) Bill 2020 will introduce a moratorium on evictions for small commercial tenancies and a range of measures to support for tenants, including the introduction of a code of conduct for landlords and tenants. Posted on Friday, 24th April, 2020 in COVID-19, Economy, News, Property Updates Originally published as COVID-19: How are the states and territories helping renters?

01.01.2022 This is such a beautiful reminder - its not about the destination, its about the journey. And one of the best parts of my job is that I am able to help people on that journey. If youre working towards your goals and need some additional assistance, lets have a chat.

01.01.2022 The road to purchasing your first home can be confusing. If you want to know how much you can borrow, how much your repayments will be, and how you can set yourself up for future success, give me a call. I can take the stress out of owning your dream home.