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The start of something new


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Beyond The Big 4


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The SMSF Lending Experts


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Welcome to the home of better loan solutions


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Not all mortgage brokers are created equal.

At Smart Mortgage & Lending, our holistic approach to lending, accounting and financial planning means we bridge the gap in the client experience, eliminating the frustration from delays that are often inevitable with multiple stakeholders involved in the lending process.

Our mortgage brokers offer the advantage of having an accounting and financial advisory background, meaning we’re looking at your figures with a strategic mind. We will ask you more questions and we’ll go deeper in our process.

Why? So that you end up with a loan that offers longevity, minimising the need to refinance again in a short time frame - avoiding a stressful and often costly exercise on both your time and money.

What would you like to do?



I want to buy a home

Buying a home can be highly emotional. It's exciting, stressful, joyful and sometimes frustrating. We aim to minimise the negative emotions, so you can focus on the positives, by offering our holistic approach to lending.

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I want to build a home

Building a home involves a different approach to lending. It's a bigger risk for lenders and requires more skilled, more strategic mortgage brokers who understand the issues and can mitigate them. We know how.

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I want to buy an investment

Property investment can offer a solid return on investment. Our expert team are skilled at investment loans, including complex SMSF lending, offering the foresight of accounting & financial planning.

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I want to refinance

Any mortgage broker can refinance. Our difference is to get to know you, your goals and your longer term plans better so we can advise on a loan with longevity, minimising your time and efforts to get what you need.

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Meet your experts >


What our
clients say

We wanted to purchase an investment property in our trust. When going direct to the banks, they just didn’t seem to want to deal with the complicated structure we were after and kept offering to place the loan in our names. After working on our loans with Smart Mortgage & Lending, the entire process then became super simple. They gathered the necessary paperwork on our behalf, they found the right lender to suit our structure, they literally handled everything end-to-end.


Kim.S, VIC
Home Owner


Count Leader of the Year
Women In Finance Executive Assistant of the Year
Women In Finance Employer of the Year SME
Women In Finance SMSF Adviser of the Year
Women In Finance Financial Adviser of the Year
Women In Finance Marketing Professional of the Year
IFA Awards Paraplanner of the Year
IFA Awards Marketing Consultant of the Year
IFA Awards Goals Based Advisor 2021
IFA Marketing Initiative 2021
AAA19_SEAL_Winners_Marketing-Program-of-the-Year
WomenInFinance2018_office_administrator-of-the-year
SMSFandACCOUNTING_Winner_SMALL-BUSINESS-ADVISER-OF-THE-YEAR-(1)
OMBA_SEAL_2018_W_INDUSTRY_FINANCE-BUSINESS-OF-THE-YEAR
Aus-Accounting-Awards-2018_Proff-Dev-program-of-the-year
AAA18_SEAL_Winner_Office-Administrator-of-the-Year
AAA18_SEAL_Professional-Development-Program-of-the-Year
Aus-Accounting-Awards-2017_Business-Advisory
SMSFandACCOUNTING_Winner__Multi-Service-Firm-of-the-Year
AAA_SEAL_2016_Winners_PARTNER-OF-THE-YEAR-BOUTIQUE-FIRM
Aus-Accounting-Awards-2015