Financing Your Next Home or Vehicle

Home Loans

What home loan can we help you with today?

We understand that buying your first home can seem confusing and complicated. Amanda, your Kiwi mortgage adviser can help you choose a first home loan that’s right for you, without all the running around.

Get expert advice about what you can afford, juggling old and new homes, bridging loans and other options – with personal guidance at every step.

Thinking about refinancing your home loan? Amanda can help. But first, she can help to work out whether refinancing is the smart move for you.

Amanda can find you the loan and offer expert advice to help make your investment property a secure, long-term wealth generator.

How much can I borrow?

Discover your maximum home loan borrowing power across 25 different lenders. Use our how much can I borrow calculator

Making extra repayments

See what effect extra home loan repayments will have on reducing your loan. Use our extra repayments calculator

Home loan repayments

Work out your home loan repayments by the week, fortnight or month Use our home loan repayments calculator

Lump Sum

See what effect making a home loan lump sum extra repayment will have on reducing your loan. Use our lump sump repayments calculator. Use our lump sum calculator

Income tax calculator

Find out how much tax you need to pay at different income levels. Use our income tax calculator

Stamp duty calculator

Find out how much stamp duty will cost for your property. Use our stamp duty calculator

Compare different home loans

Compare two home loans costs and savings using our loan comparison calculator. Use our home loan comparison calculator

Split home loan calculator

Calculate your repayments and total interest under different fixed and variable rate scenarios. Use our split home loan calculator

Budget planning

Create a personal budget using our detailed budget planner calculator. Use our budget planner calculator

Saving for your home

Figure out how much you can save using our simple savings plan calculator. Use our saving plan calculator

Introductory Calculator

Find out the discounted interest rate at the start of the life of your honeymoon loan. Use our introductory calculator

Thinking about buying a property? Ready to jump now? Contact Amanda for some expert help.

There are hundreds of home loan interest rate options for first home loans, next home loans or refinancing. So how do you find one that fits your unique needs and goals? Save time, stress and confusion and have Amanda do all the work for you.

Home and Contents

In addition to protection against theft, you are covered against damage to or loss of property and possessions due to fires, Storms and several other causes.

Purchasing a home is a big investment so make sure that you protect your asset right from the start.

Some of the great benefits include*:
• Highly competitive prices
• Easy, quick application process
• Fast and easy claims process
• Flexible payment options with no additional premium to pay by the month1

*Terms, conditions, limits and exclusions apply please refer to the Product Disclosure Statement(PDS). Review the Key Facts Sheets available for the Home Insurance buildings and/or contents covers.

 Landlord insurance

If you have purchased an investment property it makes sense to look at a landlord policy. With Landlord Insurance you can get protection against:
• Intentional damage from tenants
• Theft by tenants
• Default on rent payments

* Terms, conditions, limits and exclusions please refer to the Product Disclosure Statement (PDS)
Review the Key Facts Sheets available for the Landlord Insurance buildings and/or contents covers.

1 Premiums payable to Allianz by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

* The information contained above is only intended to be a guide to some Allianz insurance
products. Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No 234708 (Allianz)
is the insurer of the home and contents insurances and the landlord insurance. Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No 296559 (Allianz Life) is the insurer of the Lifecover Plus insurance.

Your Smartline Adviser can refer you to Allianz or Allianz Life for insurance as agent of Allianz or Allianz Life, but cannot arrange insurance. If you purchase this insurance, Smartline will be paid referral remuneration.

This information is not intended to be financial advice. We do not provide advice
based on any consideration of your objectives, financial situation or needs. Policy terms, conditions,
limits, exclusions and minimum premiums apply. Before making a decision about this insurance,
please consider the relevant Product Disclosure Statement available from Allianz or Allianz Life (

+Flood cover is optional and subject to eligibility criteria


Life Insurance

Life insurance, or term insurance, may pay a lump sum when you die or become terminally ill^.

We’d like to think our loved ones would be looked after if something happened to us. While many people have life insurance and TPD, as part of their superannuation policy, it may not be adequate. Allianz LifeCover Plus is straight-forward and affordable life insurance. Have peace of mind knowing that you could help protect your family financial future, by providing for them when you may no longer be able to.

Allianz LifeCover Plus benefits* include:
• No medicals or blood tests on application
• Simple application process online or over the phone.

^ Subject to policy terms, conditions, limits and exclusions.

*Cover amount is dependent on your age at the time of application.

Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 (Allianz Life), is the issuer of this life insurance. Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz) is the issuer of this home and contents insurance. Smartline Home Loans Pty Ltd ABN 38 085 370 270, ACL Licence No. 385325 acts under a referral basis as an agent for Allianz and Allianz Life, not as your agent. Smartline can provide written advice on life insurance, but no advice on general insurance and cannot arrange insurance. It receives commission on these insurance products as a percentage of the premium paid for each policy ranging from 10% to 20%. The relevant Product Disclosure Statement (PDS) for insurance products can be requested from our website at Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on the recommendations above. You should read and consider the PDS before deciding whether to acquire any product mentioned.

Car Loans

We do the loan work, legwork and paperwork

After a smart lease or loan for your new car? Unlike banks and car yards, Smartline finance advisers are in your corner. They’ll look at a wide range of options and lenders to secure you a great deal.

The right car finance at a better rate

Whether you’re after financing for a new car, or a better deal on your current vehicle, a Smartline car finance adviser can look after everything. They will:

  • listen to your specific needs
  • help you understand your car finance options
  • show you how leasing and buying compare
  • compare options from a panel of highly competitive car finance lenders
  • find you the right loan at a great rate (usually less than the car yard).

And if you haven’t found the perfect vehicle yet? They can arrange loan pre-approval, so you can hit the car yards with a firm figure in mind.

Looking to buy a car? Let our Car Finance Calculator help you work out your budget. Simply enter the details and the Smartline Car Finance Calculator will estimate your car loan repayments. Our Borrowing Power Calculator  will also help you work out how much you can borrow.


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