FAQ’s
Thank you for taking the time to visit our website. We have tried to answer any questions that you may have below. If you have any more questions, please contact us to submit your enquiry and we will get back to you as soon as possible!
“Are there any up-front fees?”
You will not be charged you any fees up front for processing your loan. Any fees are added to the loan and paid on completion from the loan proceeds. If the loan does not complete you are not charged a fee.
“Can I pay my secured loan off early?”
You are able to repay the loan early. Smart Home Loans work with whole of market panel of lenders that we use in order to find the most suitable product for your circumstances. You have the right to repay early with ALL of our lenders. A typical early settlement charge can be 2 months notice. However it is important to note that these vary between lenders and we will explain and confirm in writing on the credit agreement any early settlement penalties.
“How long will it take for my secured loan to be complete?”
Smart Home Loans choice of lenders will process your loan as quickly as possible to ensure you get the funds through in the shortest time possible. From your initial enquiry we aim to get back to you with a decision within an hour. When you decide to proceed we will issue your loan documents the same day. If you return those to us as quickly as possible we can complete your loan within two – three weeks.
“What interest rate can I get?”
This will depend on a number of different factors such as the amount you are borrowing, your credit profile and the equity in your property. The typical APR varies between lender.
“What can I use the loan for?”
Smart Home Loans can be used for any legal purpose. It is important to let us know the reason for the loan at the beginning of the enquiry as it will help us to ensure we find the right product for you.