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Smart Lending has offices based in Geelong, Altona and Melton, so we are well placed to serve the needs of the local communities. We welcome loan enquiries from all over Melbourne and we have many happy clients throughout Victoria & across Australia

Our Experienced Team

Melissa Gielnik - Director / Senior Loan Writer
Mobile: 0417 331 027

Melissa is a passionate AFG broker backed by more than 12 years' experience in the mortgage and finance industry. Melissa holds a Bachelor of Business in Applied Economics, Diploma in Financial Services and an Agents Representative License in Real Estate and in December 2013 was elected to the MFAA State Council in Victoria. Throughout her career Ms Gielnik has gone from strength to strength winning the MFAA 11th Annual Excellence Awards, in the sought-after category of "Mortgage Credit Adviser of the Year 2014"

One of the top female brokers in the industry her achievements over the past 24 months include securing a finalist positions in the MFAA excellence awards 2013, the Australian Broking Awards 2013, position's in both The Adviser's Elite Business Writer's Ranking and MPA's Top 100 Brokers List.

While Melissa manages to write impressive volumes year in year out her desire to write good volumes and grow her business always falls second to her desire to help borrowers achieve their dream whether it be home ownership, property investment or a wealthy retirement. Melissa is committed to going that "extra mile", planning and guiding her clients so that they can get into their dream home sooner.

Emma Gillman - Administration Manager

Emma Gillman is the newest member of the Smart Lending team, joining the business in October 2009 as the office manager and Administration Manager.

Since completing her Bachelor of Commerce at the University of Melbourne in 2001, Emma has worked for two of Australia's major banks, bringing a wealth of banking and settlements knowledge to the business.

Whether it be sending out settlement cards and letters or managing client progress payments, Emma ensures that the business runs smoothly from day to day and that all our clients receive the best possible service experience.


Call us now on

03 8746 2354

Smart Lending
PO Box 396
VIC 3337

ABN: 29 098 013 962

Meet the Smart Lending Team

Speak directly to us, just make sure to include all your contact details for us to get back to you as soon as possible.

Melissa & the Smart Lending Team

Melissa & the Smart Lending Team

Melissa & the Smart Lending Team

Professionalism at every turn.

We pride ourselves on our professionalism in every facet of our business. Simply contact us if you would like to be emailed with a copy of our Internal Dispute Resolution (IDR) process.

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