🏡 Home Loans, Refinancing
& SMSF Lending – Gold Coast
Home Loans and SMSF for busy professionals, families, and investors who want better finance, faster.
Whether you’re buying, refinancing, unlocking equity or investing through your superannuation — Smartloans helps you get the right home loan without the headache. We work with everyday Gold Coast locals, self-employed borrowers and SMSF investors to make lending simple, fast, and tailored to your goals.
🏠 Home Loans for Any Stage of Life
Whether you’re buying your first home, upsizing to your next home, or building wealth we’ve got you covered.
✅ First Home Buyers – Incentives, guidance, grants, and low deposit options
✅ Owner-Occupiers – get a better rate or more flexibility
✅ Investors – structure your loan for growth
✅ Construction Loans – build with confidence
✅ Bridging Loans – buy before you sell
✅ Self-Employed Loans – low-doc and alt-doc available
✅ Family Guarantor Loans – use a parent’s equity to buy with little or no deposit
📍Family Pledge loans are a smart way to get into the market without needing a huge deposit or paying LMI (lenders mortgage insurance).
If your parents or a close family member owns a home — we can show you how to make it work.
🔁 Refinance Your Home Loan – Gold Coast
Stop overpaying. Start saving.
Refinancing doesn’t have to be a drama. If you haven’t reviewed your mortgage in the last 2 years, you’re probably leaving thousands on the table.
✅ Get a better interest rate
✅ Lower your monthly repayments
✅ Ditch the lazy lender that stopped caring
✅ Consolidate debts into one low repayment
✅ Access Equity
📍 We specialise in home loan refinancing on the Gold Coast — and we’ll compare over 40 lenders to find you a better deal.
💸 Access Equity in Your Home
Your home loan shouldn’t just sit there and be a lazy couch potato – use it to unlock cash to grow your life or wealth.
✅ Renovate your home
✅ Invest in property
✅ Consolidate personal or business debt
✅ Help your kids into the market
✅ Launch a new venture
If you’ve got home equity, you’ve got options.
Let’s access it smartly, with structure that sets you up long term.
👷 Self-Employed Home Loans
ABN holder? Contractor? Business owner?
We get it the banks often don’t.
✅ Alt-doc, low-doc and flexible lender options
✅ Loans based on real income, not just your tax return
✅ We speak the language of self-employed and side hustlers
✅ You focus on your business we’ll handle the paperwork
💰 SMSF Loans – Property Investment Through Super
Including SMSF Refinance Options
Ready to build wealth using your super fund? Or looking to get a better deal on your current SMSF loan?
We help you buy, finance, and refinance property through your Self-Managed Super Fund with expert guidance and lender options that actually make sense.
✅ Buy residential or commercial property inside your SMSF
✅ Access fixed and variable rate SMSF loans
✅ Specialist lenders who understand SMSF compliance
✅ Step-by-step support from someone who actually gets it
🔁 Refinancing Your SMSF Loan?
Yes, you can refinance your SMSF loan. And you probably should.
✅ Switch to a better rate or more flexible loan structure
✅ Refinance out of high-interest SMSF loans from older lenders
✅ Improve cash flow inside your super
✅ Reduce long-term interest costs and fees
✅ Get fresh lending terms that align with your current strategy
📍 If your SMSF loan is more than 2–3 years old, there’s a good chance we can do better.
Let’s review your setup and see if you’re overpaying inside your super.
Why Choose Smartloans?
✅ Based right here on the Gold Coast
✅ 40+ lenders including investor, refinance & SMSF specialists
✅ No BS approach, just real talk
✅ Fast results and personalised support
✅ Loans that align with your goals
Ready to Refinance, Borrow, or Grow?
Whether it’s your first home, a better rate, or funding your next big move let’s make it happen.