Mortgage Choice SmartSelect home loans

Customise your home loan and select the key features you want without having to pay for the ones you don’t need.
Mortgage Choice SmartSelect home loans

Welcome to Mortgage Choice SmartSelect

As you may know, Smartline is wholly owned by REA Group. In 2021, REA Group acquired Mortgage Choice, and during 2022 all Smartline mortgage broking businesses will move under the Mortgage Choice brand. As part of these changes, the ‘Smartline Select Home Loan’, has been renamed ‘Mortgage Choice Home Loans SmartSelect’. 

Nothing about the way in which the home loan operates has changed, except its name. Please browse the page and if you require additional information reach out to one of our Brokers.

The home loan that is right for you

We all have features in a home that we aren’t willing to compromise on

Just like your home, a Mortgage Choice Home Loans SmartSelect is customised for you – giving you the option to select the key features you want, without having to pay for the ones you don’t need.
Available exclusively through our Broker network, our home loans are straightforward, easy to understand and offered at highly competitive rates.
You get the expert personal service, support and advice that only your Broker can provide.
And you can feel confident that you’ll have security throughout the life of your loan with the backing of Advantedge – one of Australia’s leading lenders and part of the NAB Group.

The home loan that’s made easy for you

  • Easy to understand, quality home loan options
  • Expert advice and support from your Broker to help you select the right features for your needs
  • No annual fee# and competitive rates to help you save
  • 24/7^ secure online, tablet and mobile access to your accounts
  • Direct debiting from your home loan to your everyday bank account
  • The option to make extra repayments to your variable rate home loan at no cost
  • A dedicated CustomerCare team to make managing your loan easy
  • The backing of the largest wholesale lender in Australia, Advantedge – part of the NAB Group.

# Fees may be introduced and varied in accordance with loan terms. 
^ Subject to system availability.
* Subject to loan terms.

Support when life goes off track

At Mortgage Choice, we know this is an extremely difficult time for many of our customers and we want you to know that we’re here to help.
Find out more on how we can support you with your home loan. Mortgage Choice Home Loans SmartSelect is funded by Advantedge Financial Services.
To find out more about how Mortgage Choice can ease the burden of COVID-19, speak to your broker today.

Broker Client At Cafe Size 584X500

Talk to a broker today to find out if SmartSelect is right for you!

Contact Us
Mortgage Choice Home Loans SmartSelect – The home loan that lets you choose

Buying a home can be a complex process, so we’ve made sure our home loan options aren’t. With Mortgage Choice Home Loans SmartSelect, you can choose from fixed or variable rate options, or a combination of both.
We also have a range of different loan features that have been custom built to deliver a great experience for you. Your Broker can take you through them to determine which options best suit your needs.

Variable Rate

Variable rate loans give you the flexibility and freedom to manage your loan the way you want.
All the essential home loan features are included at competitive rates.
You can also make extra payments at no cost and redraw* those payments when needed.

Fixed Rate

With a fixed rate loan you get the certainty in knowing how much your repayments will be during a particular period.
The fixed term can be from 1 to 5 years depending on what suits you best.

Customer Brochure
Vacant land and construction loan fact sheet
BPAY User Guide
Digital Signing Guide
Direct Salary and Other Income Credits User Guide
Fees and Charges Guide

Pre-Settlement Forms
Loan Applications

Application Form
Fixed Rate Authority Form
Co-Borrower Acknowledgement
Supporting documents checklist 

Post-Settlement Forms
Contact Details & Personal Information

Contact Details Update Form
Nomination Regarding Notices and Other Documents Form
Personal and Credit Information Access and Correction Form

Loan Variations

Loan Variation Form
Fixed Rate Break Cost Acknowledgement Form

Internet and Phone Transacting

StarCall Application Form

Redraws, Repayments, and Progress Drawdown Requests

Understanding redraw and repayments
Repayment Request Form
Redraw Requests and Transfers Form
Construction Progress Drawdown Request Form

Note: Borrowers wanting to change their nominated bank account details must complete the Direct Debit Request form. This form is available by Brokers contacting Advantedge on 1300 543 558 or by borrowers downloading this form when they log into StarNet.

Mortgage Choice Home Loans SmartSelect – Frequently Asked Questions

Mortgage Choice Home Loans SmartSelect is available exclusively through your Broker. Your Broker can help manage the entire application and approval process. They’re your best source of information about Mortgage Choice Home Loans SmartSelect and the application process to help ensure you get the home loan that’s right for you.

What happens next?

Find out what to expect once your Mortgage Choice Home Loans SmartSelect home loan is approved through to your first loan repayment.

New Customers: FAQs
How can I apply for Mortgage Choice Home Loans SmartSelect loan?

Please contact your Broker to apply and lodge your application.

What documents do I need to provide when applying?

When you discuss your home loan with your Broker, he/she will inform you of the relevant documentation required to apply for a Mortgage Choice Home Loans SmartSelect loan.

What’s the difference between a fixed and a variable rate home loan?

A fixed rate loan means that the interest rate, which applies to your loan, will stay the same for a fixed period. For example, if you take out a 3-year fixed rate home loan, the interest rate will be the same throughout the 3 year fixed rate term, which means you know exactly what your repayments will be during that term. A variable rate loan means that the interest rate may change from time to time throughout the life of the loan.

Current Applicants: FAQs

Mortgage Choice Home Loans SmartSelect is available exclusively through our Brokers. Your Broker can help manage the entire application and approval process. They’re your best source of information about your application.

Who do I speak to about Mortgage Choice Home Loans SmartSelect loan?

Please go to the Contact Us section of this page.

Current Customers: Post-Settlement FAQs
Who do I speak to about my Mortgage Choice Home Loans SmartSelect loan? How can I contact Mortgage Choice?

You can contact the CustomerCare team on 1300 543 558 from 8:00am-8:00pm (AEDT) Monday to Friday for queries on your loan. Or to contact a Broker, please go to the Contact us section below.

What happens to my extra funds at settlement?

Surplus funds will be made available as set out in the Direction to Pay form you sign.

Can I make a deposit into my loan at a NAB Branch? 

Yes. You will need to complete a deposit slip with the BSB and account number we give you in your Welcome Pack. A fee applies to manual transactions. 
Note: The teller will not have access to your loan account details in the loan systems. You can ask the teller to treat the deposit as a “back office” transaction. If there is any confusion, ask the teller to call CustomerCare on 1300 543 558 to assist. 

How can I make additional repayments on variable rate loans? 
Electronically via StarNet or StarCall:

– You can set up one off or ongoing payments on StarNet or via StarCall at any time, at no cost. 

How do I request a recalculation of my repayments? 

Please complete the Repayment Request form and return the completed form to the CustomerCare team: 
– By email to mchlsmartselect@mycustomercare.com.au 
– By post to Advantedge Financial Services Pty Ltd CustomerCare, P.O. Box 626, Collins Street West, Melbourne VIC 8007. Ongoing additional payments made electronically do not attract a fee. 

How do I increase my loan amount? 

Contact your Broker to arrange an appointment to discuss your request#. 

How can I change my repayment frequency? 

You can change this in StarNet. Alternatively, please complete the Repayment Request form and return the completed form to the CustomerCare team: 
– By email to mchlsmartselect@mycustomercare.com.au
– By post to CustomerCare, P.O. Box 626, Collins Street West, Melbourne VIC 8007. Ongoing additional payments made electronically do not attract a fee. You can also provide a letter requesting the change, signed by all borrowers, and send it to the CustomerCare team by email or post as shown above. 

Redraw information
How can I find out the amount of funds I have available to redraw?

You can check your loan account via StarNet or StarCall to view your available redraw^ amount anytime or call the CustomerCare team on 1300 543 558 from 8:00am-8:00pm (AEDT) Monday to Friday.

Can my redraw be transferred into any account?

No. Any redraws^ you request can only be paid into the linked account that you nominated on your Direct Debit Request form.

How can I redraw on my vacant land / construction / fixed rate loan?

Redraw is not available on fixed rate loans. Any available redraw^ on construction and vacant land loans can only be accessed by completing the Redraw Requests & Transfers form and returning the completed form to the CustomerCare team:
– By email to mchlsmartselect@mycustomercare.com.au
– By post to Advantedge Financial Services Pty Ltd CustomerCare, P.O. Box 626, Collins Street West, Melbourne VIC 8007

Complaints and Disputes Resolution

View Complaints Resolution and Hardship Guide (Mortgage Choice)

For new applicants

Please speak to one of our Brokers, please phone 13 77 62.

For existing applicants and current customers
CustomerCare

Need some assistance with your existing Mortgage Choice Home Loans SmartSelect loan? You can speak to your Broker or contact us directly via the following channels.

Phone

1300 543 558
8am-7:30pm (AEDT)
Monday to Friday

Email

CustomerCare: mchlsmartselect@mycustomercare.com.au

Postal Address

PO Box 626 Collins Street West
Melbourne VIC 8007

Complaints and Financial Hardship

View our Complaints and Dispute Resolution and Financial Hardship Guide

Mortgage Choice Home Loans SmartSelect products are funded by the Advantedge Residential Loan program. AFSH Nominees Pty Ltd (AFSH) ACN 143 937 437 Australian Credit Licence 391192 is the program lender and Advantedge Financial Services Pty Ltd (Advantedge) ACN 130 012 930 Australian Credit Licence 391202 is the program loan servicer. The program is funded under arrangements with National Australia Bank Limited (NAB). Each of AFSH and Advantedge are members of the NAB Group. NAB does not guarantee the obligations of its subsidiaries. Mortgage Choice Home Loans SmartSelect is distributed by Mortgage Choice Pty Ltd (ABN 57 009 161 979, Australian Credit Licence 382869) and Smartline Operations Pty Limited (ABN 86 086 467 727 Australian Credit Licence 385325) which are both owned by REA Group Limited. Your Broker will have provided details of their licensee at the time of providing credit assistance.

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