Financial Wellbeing Smart & Simple

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A different kind of mortgage broker for the Central Coast

Welcome to Smart & Simple. We are a boutique, professional finance service and mortgage broker for home buyers and first and second time property investors located in the Central Coast, Sydney Hills District, Norwest, Newcastle Regions and beyond.

We firmly believe that having a ‘foothold’ in the property market either as a home-owner or investor (or both) is inherently tied to financial wellbeing and becoming actively engaged in building your financial future.

Our Central Coast mortgage broker and finance services often extend into coaching, mentoring, education and motivation.

Our clients are mainly couples or young families who are looking to buy their first home, refinance or upgrade to a new home, or want to know about buying an investment property. They benefit from professional, at-call service throughout their finance application and purchase or refinance.

We look forward to working with you to fulfil your financial goals.

Read more about our unique approach to finance

FREE Home Buyer webinar

Everything you MUST know about BUYING your OWN HOME

Indepth Financial Analysis

In-depth Analysis

Expert, indepth analysis of your finance options

Central Coast financial Advice & Expertise

Advice & Expertise

Advice and expertise on how much you’ll need, what the true costs are and how it all works.

Advice & Expertise

At Call Service

Professional, at-call service throughout your finance application and purchase.

Talk to a finance specialist you can trust

Call 1300 391 787 today or complete our quick contact form

Talk to a finance specialist you can trust

Call 1300 391 787 today or complete our quick contact form

Central Coast Finance Services

‘Getting Started’ Strategy Session

One of our most popular services, and a great starting point if you’re just beginning to explore what it would take to purchase your first home or investment property, or have never refinanced before and want to know what’s involved. Learn more

Pre-approval

A pre-approval gets the loan process started for you. It helps to confirm that you have the funds available to go through with a property transaction and the capacity to meet repayments. Learn more

First Home Buyers

Buying or building your first home is one of the biggest financial commitments you’ll ever make. It’s such an exciting time and there is so much to look forward to, but also so much to take care of! Learn more

Next Home Buyers/Upgraders

Over the years, we’ve found that our ‘next home’ buyers usually fall into two categories – those that upgrade every 5-10years or so, and those that may only do it once or twice in a lifetime. No matter which category you happen to fall into, our aim is to ensure that your finance is managed smoothly throughout the entire process. Learn more

Refinancers

Every single day we talk to people asking whether it’s worth refinancing their home or investment property loans. Our response is always the same – it’s always worth thoroughly investigating! Learn More

Property Investors

Each person’s financial circumstances and reasons for investing are different, meaning there isn’t a single ‘best’ property investment loan.  Instead, there are a range of options to cater for different investor needs. Learn more

Personal Loans

Personal loans can be a useful alternative where you don’t yet have a home loan, or where there isn’t yet sufficient equity available in your property to provide the funds you require. They are also generally less costly than credit cards. Learn more

Car & Asset Finance

As well as home, investment and personal loans, we also have access to fleet discounts on new vehicle prices, and a range of both consumer and business vehicle finance options. Learn more

Central Coast Mortgage Broker Services

“Kim I just want to thank you from the bottom of my heart for all your help with this refinance. You have no idea how much this means to me and my entire family. I’m also on a path to secure my financial wellbeing which is so freeing. Thanks again.”

Samer Fouani

How much can I borrow?

Read the answer to this and the answers to our other frequently asked questions.

How much can I borrow?

Read the answer to this and the answers to our other frequently asked questions.

What you get when you choose to work with Smart & Simple

Our clients benefit from professional, at-call service throughout their finance application and purchase or refinance. Our service is very comprehensive in order to ensure things go as smoothly as possible.

When you choose us as your professional mortgage broker we will:

  • Discuss your goals and make sure we fully understand your needs and priorities
  • Explain options that match your requirements
  • Prepare and submit the loan application on your behalf, ensuring you are presented in the very best light to the lender
  • Prepare and assist you in completing applications for any first home buyer grants or concessions you are eligible for
  • Monitor your loan application through to approval
  • Check your mortgage documents and explain each of them to you before you sign
  • Ensure settlement takes place on time
  • Follow up post settlement to make sure everything is working correctly

What you get when you choose to work with Smart & Simple

Our clients benefit from professional, at-call service throughout their finance application and purchase or refinance. Our service is very comprehensive in order to ensure things go as smoothly as possible.

When you choose us as your professional mortgage broker we will:

  • Discuss your goals and make sure we fully understand your needs and priorities
  • Explain options that match your requirements
  • Prepare and submit the loan application on your behalf, ensuring you are presented in the very best light to the lender
  • Prepare and assist you in completing applications for any first home buyer grants or concessions you are eligible for
  • Monitor your loan application through to approval
  • Check your mortgage documents and explain each of them to you before you sign
  • Ensure settlement takes place on time
  • Follow up post settlement to make sure everything is working correctly

Mortgage & Finance Broking Services Kim Hall Credit Representative Number: 436756 | KM Hall Pty Ltd | ABN: 32 160 899 141 Credit Representative Number: 431565 Centrepoint Lending Solutions Pty Ltd | Australian Credit Licence: 377711 ABN: 40 100 947 804 www.cpal.com.au/cls | cls@cpal.com.au 1300 557 598 Privacy Policy | Disclaimer | Complaints Procedure

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