The rate is one number. Your offset, your redraw, how your loans are structured and where you want to be in five years matter just as much. Get a free review from a mortgage planner who looks at all of it.
Three quick questions. Angelo’s team will be in touch.
Angelo’s team will call you. Want to lock in a time now? Pick one in Angelo’s calendar.
Pick a time with Angelo Email my details to the teamIt’s the foundation of your financial future. Rather than simply finding the cheapest loan, Angelo works with you on a lending strategy that fits your goals. He calls it Mortgage Planning.
“People get stuck on the rate. It’s always about the loan product, and the full strategy behind it.”Angelo Pirrello, Director & Mortgage Planner
Even small differences in rates and terms add up over the life of a loan. So do the features you’re paying for and not using.
Is it linked to the loan, and is your money actually sitting in it? Money in a linked offset can reduce the interest you pay.
Exploring offset savings or extra repayments? We check which features suit how you actually use your money.
Home and investment loans set up the right way for the next purchase, not just today’s one.
Option for fixed monthly repayments, or the flexibility of variable. Or some of each.
Opportunities for debt consolidation, or access to cash through your home equity for a renovation or the next move.
Another investment property, reducing debt faster or preparing for retirement. The loan should support where you’re going.
Move the sliders. This is the interest your savings could be cancelling out each year if they sat in an offset account linked to your loan.
A simple estimate for illustration only: savings × your rate × years, with no compounding, fees or changes in rates or balances. It isn’t a quote or credit advice. Whether an offset suits you depends on the lender, the loan and your circumstances.
With more than 30 years of experience across mortgage lending, finance, accounting, commercial lending, construction and property development, Angelo has helped hundreds of Australians make confident financial decisions.
He’s worked alongside first home buyers, families, investors, self-employed clients, business owners and retirees, helping them through even the most complex lending scenarios. That background lets him look beyond today’s transaction and focus on the bigger picture.
Buying or refinancing doesn’t need to be overwhelming. Here’s the process, start to finish.
We start by understanding your current financial position, future plans and what you’re hoping to achieve.
Together we explore your borrowing capacity, discuss the options and build a lending strategy around your goals.
We compare suitable lenders and loan products, then explain the advantages and considerations of each option.
Once you’ve chosen a loan, we prepare and manage the application, liaise with the lender and keep you informed.
We work with your solicitor, conveyancer and lender so settlement runs as smoothly as possible.
We keep reviewing your home loan as interest rates, lender policies and your circumstances change.
Most of the paperwork and application process is managed by us, at no cost to you, as the lender covers our fees.
Word for word, from Smooth Home Loans’ Google reviews.
“We had been ‘going to’ look at our home loans. I filled out an online form on Pivot and Angelo called that day. From our first conversation I felt valued and supported. We refinanced our loans and are now set up to start to build our home. Angelo was available anytime and made the process easy and kept us regularly updated throughout.”
Google review“Angelo was extremely professional, efficient and extremely helpful with his advice. Would recommend him to anyone.”
Google review“Not only is he patient and is always willing to answer my questions, Angelo has always been there to answer all my questions and help promptly with all my needs. Highly recommend.”
Google review“Angelo was amazing to deal with, communication was fast and he was always reachable even outside of normal business hours upon request. Absolutely would come back again.”
Google review“Angelo is highly experienced and goes above and beyond when providing his services. We will always use him going forward.”
Google review“Angelo is a professional and so responsive to all our questions. His support with our home loan process was completed seamlessly and timely. Thank you so much.”
Google review“Patient, Professional, highly knowledgeable and definitely recommend.”
Google review
Read it on your own time. Then if you want Angelo to look at your loan, you’ll know exactly what to ask.
From first home buyers to refinancing, investment, construction, SMSF and self-employed lending, with tailored solutions for each.
Eligibility criteria vary between lenders. Professional lending benefits may be available to eligible professionals, subject to lender policy and individual circumstances.
No. Most of the paperwork and application process is managed by us at no cost to you, as the lender covers our fees.
Often, yes. The rate is one part of it. We also look at your offset and redraw, how your loans are structured and whether the loan still fits where you’re heading, like a renovation, a build or another property.
No. Refinancing usually means a new loan with a different lender, but many people refinance with their long-standing lender. Sometimes the review shows your current setup is fine. Either way, you’ll know.
No. We compare suitable lenders and loan products and explain each option first. We only prepare an application once you’ve chosen your preferred loan.
Refinancing involves getting a new home loan and using some or all of the funds to pay off your existing one. If you’re moving to a new lender, they manage paying off your current loan.
No. Smooth Home Loans is based in Sydney and works Australia-wide, 7 days a week.
Yes. Angelo works with self-employed clients and business owners, including low doc and alt doc loans.
A free review with Angelo. The rate, and everything else.