TRUSTED HOME FINANCE SOLUTIONS
Purchasing a home is one of the biggest financial decisions you’ll make, and having the right financing can make all the difference. At SMA Finance, we provide flexible, affordable home loan solutions across Tasmania to help you buy, build, renovate, refinance, or invest.
Whether you’re a first-time buyer, looking to upgrade, or seeking to invest, our team guides you through every step. With access to the majority of major home loan lenders, SMA ensures you get competitive rates, flexible terms, and personalised solutions tailored to your circumstances. Our goal is to help you own your home sooner, save interest, and build wealth efficiently.
LOW INTEREST RATE HOME LOANS
Key Features:
- Competitive low interest rates
- Fixed and variable rate options
- Equity facilities to access funds when needed
- Ability to make extra repayments
- Redraw facilities for flexibility
Benefits:
- Pay off your home faster
- Reduce overall interest costs
- Access equity for other investments or lifestyle purchases
- Hedge against market fluctuations
Low interest rates are essential to reducing the total cost of your loan. SMA compares multiple lenders to ensure you secure the best rates available.
OFFSET ACCOUNTS AND FLEXIBLE REPAYMENTS
Key Features:
- Offset accounts reduce the interest charged on your loan
- Interest-only loan options are available, typically for investment properties
- Flexible repayment options tailored to your budget
Benefits:
- Save interest while maintaining access to funds
- Use interest-only periods to maximise cash flow for investments
- Control your loan term and repayments to suit your goals
These features allow you to optimise cash flow and make strategic financial decisions while staying in control of your loan.
INVESTMENT HOME LOANS
Key Features:
- Loans for investment properties with interest-only options
- Tax-effective strategies to maximise returns
- Flexibility to draw on equity for further investment
Benefits:
- Retain cash for additional investment opportunities
- Use surplus funds to build wealth in property, shares, or managed funds
- Minimise upfront costs while growing your investment portfolio
SMA helps investors access suitable home loan structures to balance cash flow, tax benefits, and growth objectives.
FREQUENTLY ASKED QUESTIONS
WHAT TYPES OF HOME LOANS ARE AVAILABLE?
We offer fixed, variable, interest-only, investment, and flexible loans with access to multiple lenders.
CAN I MAKE EXTRA REPAYMENTS OR USE REDRAW FACILITIES?
Yes. Most loans include extra repayment options and redraw facilities to give you control over your money.
HOW CAN I USE EQUITY IN MY HOME?
Equity can be used to purchase a car, renovate, invest, or consolidate other debts — all while reducing interest costs.
DO YOU PROVIDE REFINANCE OPTIONS?
Absolutely. SMA can compare multiple lenders to refinance your existing loan at better rates or with improved terms.
WHY CHOOSE SMA FOR HOME LOANS?
With decades of experience, SMA combines expert knowledge with personalised service to find the home loan that works best for you. Our advantages include:
- Access to the majority of major lenders in Australia
- Free, unbiased comparison of loan options
- Flexible loan structures to suit your needs and goals
- Expert guidance on investment strategies and wealth creation
- Trusted advice with decades of Tasmanian experience
At SMA, we simplify the process, saving you time, stress, and money while helping you achieve your property goals.
Ready to secure your home loan in Tasmania? Call our Launceston office on (03) 6334 1222 or our Burnie office on 0417 030 852 to discuss your options today.
Call (03) 6334 1222 in Launceston or 0417 030 852 in Burnie to secure your home loan now.
