smooth path finance
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Smooth Path Finance

Your doorway to 60+ lenders for fast, flexible home, business & investment loans when you need them.

Trusted by 60+ lenders across Australia

Why start at Smooth Path Finance?

"Finance feels too complicated. Smooth Path Finance makes it simple, personal, and built around you."

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We're here for you. Not banks.

At Smooth Path Finance, we put people before profits. From your first chat to settlement, we handle the details — paperwork, lender updates, and everything in between. Our job is to make finance feel easy to understand and built around you.

Access to 60+ lenders.

We don’t just look for any loan, we find the right one for you. With access to over 60 trusted lenders, we compare thousands of options to shortlist the best matches for your goals, helping you secure a competitive rate without the hassle.

On the house support.

Honest advice shouldn’t come with a price tag. Our guidance is always zero cost because we’re paid by the lender once your loan settles, not by you. You’ll always know we’re working with your best interests front and centre.

Smarter loan choices start here

We research, compare and present clear, competitive loan options so you can make confident choices without the confusion or stress of DIY loan hunting.

Home loans

Whether you’re buying your first place or upgrading, we’ll guide you through every step with clear advice and genuine support.
  • First home loans
  • Next home loans
  • Refinance to a better rate
  • Grow your investment portfolio
  • Unlock and cash out equity
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Business Loans

From start-ups to established companies, we help you access funding solutions that support growth and keep your business moving forward.
  • Business loans
  • Commercial loans
  • Equipment & asset finance
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Other loans

Finance that fits your life: From car loans to personal or renovation finance, we make it easy to find flexible options that suit your goals and budget.
  • Non-resident & expat home loans
  • No LMI loans for professionals
  • Construction loans
  • SMSF portfolio finance
  • Personal loans
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Testimonials

What they say about us?

Here’s what our clients shared about their experience working with our team.
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FAQs

Everything you need to know

Your borrowing power depends on your income, expenses, existing debts and credit history. We assess your situation and give you an estimate so you know what’s realistic before you start looking.

Calculate my borrowing power

A fixed rate stays the same for a set period, giving you consistent repayments. A variable rate can change with the market, which means your repayments may go up or down. We’ll help you decide which option suits your goals and budget.

At Smooth Path Finance, our service comes at no cost to you. The lender pays us once your loan settles, so you can access expert support that is both obligation-free and zero cost to you.

Approval times can vary between lenders. Generally, pre-approval can take a few days, while full approval may take one to two weeks once all documents are provided. We handle the process and keep you updated every step of the way.

Yes. Refinancing can help you secure a better rate, reduce repayments or unlock equity for renovations or investments. We’ll compare your options and guide you through the process to see if it’s the right move for you.

Let’s get started on your home or investment goals today.

What type of loan do you need?

Residential Property
Commercial Property
Building & Construction
Business Finance
Car & Asset Finance

Call us, we are here

Get a dedicated local mortgage broker (obligation and cost-free) to help guide you through the entire loan process.
Call on 0409664604

Start your application

We get it, you’re in the moment. Apply online and we will send you three great rates for your loan.
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Your local mortgage broker for Newstead, Bowen Hills, Fortitude Valley, Herston & Brisbane's central business district.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
S&M Brokering Pty Ltd trading as Smooth Path Finance ABN 29681866482 is authorised under LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192

Steve Carmody is a credit representative (564495) of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192.

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Loan type: Building & Construction

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Loan type: Business loan

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Loan type: Asset finance

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