04 / Residential & SMSF options
Smart.
A focused residential range with full-document and alternative-document lines.
Explore the rangeWhat can Smart help you explore?
Smart includes owner-occupied and investment residential products across Full Doc and Alt Doc lines, plus residential SMSF options. Feature and documentation requirements depend on the specific product.
Keep the conversation focused on the loan you need.
Buy or invest
Owner-occupied and investment residential lines cover different purposes and repayment structures.
Discuss income documents
Full Doc and Alt Doc lines allow a broker to explore the available evidence.
Consider residential SMSF
A separate Smart SMSF line is listed for residential property scenarios.
The details worth asking about
These are family-level highlights. A feature or purpose may be available only on certain products, and every application remains subject to current policy and credit assessment.
Purpose and repayments
The catalogue distinguishes owner-occupied and investment use, with principal-and-interest and interest-only variants.
Documentation
Full Doc and Alt Doc options have different evidence requirements; confirm the correct one.
Access to extra repayments
Smart uses redraw rather than an offset account. Confirm redraw conditions on the selected product.
“Is the property for a home, investment or SMSF, and what income documents are available?”
Bring the question to a So Money broker or team member so they can check the relevant current product and policy.
Every story is different
Family-level highlights only. Every application remains subject to current policy and credit assessment, and no rate or approval outcome is represented.