The Right Loan, Not Just the Lowest Rate
We compare 50+ lenders across home loans, refinancing, investment and commercial finance — to find the deal that fits your goals.
Why Choose Our Mortgage Broker in Melbourne
Back in 2017, BeSmart Finance was founded with a clear mission to make it easier for people to achieve their property goals. Today, that vision continues to guide everything we do as a trusted mortgage broker in Melbourne clients rely on, supporting our growth, success, and ongoing expansion.
Free Tools
Smart Calculators for Smarter Decisions
Plan your property investment, understand your repayments, and save on tax — all in minutes with our free finance calculators.
Find out your true weekly cost, tax savings, and capital growth potential on any investment property.
Calculate now →Estimate your CGT bill before you sell — including the 50% discount if you've held for 12+ months.
Calculate now →Estimate your monthly home loan repayments based on your loan amount, interest rate, and term.
Calculate now →Calculate approximate stamp duty costs on your Victoria property purchase — fast and free.
Calculate now →Not sure where to start? Talk to a Be Smart Finance expert today.
Book a Free Consultation →We're here to help
When it comes to supporting our customers, our dedication is second to none. We're here to get you the best finance, at the best rate. Whatever your circumstances are, we're on your side, and we'll do what we can.
You can apply online right now!
Our step by step online application process is easy and only takes a few minutes.
Alternatively, if you'd prefer to speak to someone about applying for a loan, give us a call on 0408 659 819
This will vary based on the applicant. A key factor is how much the repayments will be compared to your disposable income. We look at your current income and expenses to work this out.
Interest rates depend on a few things, including:
- Your living situation
- Your income
- Your financial position
- Your credit rating
- Which loan provider is selected
This will be set up as a Direct Debit from your chosen bank account.
It's more difficult to get an application approved with bad credit. However, we may get loans approved of this nature, depending on the circumstances.
Financial Institution That We Work With
