Frequently Asked Questions
At SmartCity, we’re more than brokers — we’re partners in your journey. We deliver trusted advice, fast approvals, personalised solutions, and access to over 20 lenders to help you achieve your dreams.
Not at all! While home loans are our specialty, we also offer business loans, commercial finance, and asset finance solutions — helping you grow, invest, and move forward with confidence.
We handle the heavy lifting for you — from finding the right lender to submitting a strong application. Our goal is simple: faster approvals, fewer headaches, and a smoother path to settlement.
No — our service is completely free for you. We’re paid by the lenders, not by you, and we always work in your best interest.
Banks offer their own limited products. We offer options from a wide range of lenders — meaning better rates, better terms, and a loan tailored to your needs, not theirs.
With the right documents, we can often arrange pre-approval within 1–3 business days — getting you ready to make offers with confidence.
Absolutely! We specialise in helping self-employed clients, investors, and businesses find smart loan solutions, even when things aren't straightforward.
We help customers all over Australia — from Canberra to Cairns, Sydney to Perth — thanks to our online systems and personal, flexible service.
Yes, you can! Through SmartCity, we have access to lenders that offer no deposit home loan solutions — helping you get into your own home faster, even if you haven’t built up savings yet. Chat with us to find out if you’re eligible!
Yes! At SmartCity, we work with lenders who offer solutions for self-employed clients with less than 24 months ABN. With strong income evidence and the right structure, we can help you secure a home loan even if you’re newly self-employed. Let’s chat about your options!
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