While we have made our reputation as home loan brokers at Smartline Rockingham, we offer a full range of business and personal loans, too. We thought it might be helpful to provide you with some borrowing basics to help you find out if you are ready for a loan.

Can You Afford to Borrow?

To us, nothing is worse than having to tell someone who really needs the money that they have been turned down. This is why it is wise to make sure you can afford to borrow before you get too excited. Here are a few things to consider.

Why are you borrowing?

Do you need something like a car or a new air conditioner for your home? Or are you borrowing for someone else? Do you need money for debt or bills?

Is Borrowing the Right Option for You?

Have you checked out other options, like saving for what you want to buy or putting it on lay-by? If you have a low income, have you checked with grant programs and not for profits?

Have You Checked Your Credit Score?

Get a free copy of your credit report. All lenders use your credit report as one of their main criteria for lending. They want to make sure you are able to make repayments for the life of the loan.

Can You Afford the Repayments?

Figure out how much you make and how much you spend every month? Is there room for the loan repayment?

Is the Timing Right?

Are you about to get laid off from your job? Are you planning to do anything that might cost a lot of money or cause you to earn less income? Maybe it’s not time for a loan.

Find the Right Personal Loan Broker

It’s important to find the right loan broker, so why not call the most trusted loan brokers in Rockingham? We have been here since 2003 and have helped thousands of people like you obtain loans for a variety of purposes.

Call us today: (08) 9527 1800.