23+ Years of Expertise
Tailored finance solutions for home, business, and investment guided by award-winning expert brokers who make lending simple.




































































From buying your first home to growing your business our brokers find smarter, faster lending options that fit your goals.
We work for You, not the bank!
Find the right loan faster with expert advice and access to 40+ lenders.
Build wealth through smart, structured finance made for long-term returns.
Step-by-step support from pre-approval to settlement — stress-free and clear.
Lower your repayments and unlock better rates tailored to your situation.
Simplify payments and reduce stress with one manageable monthly loan.
Use family support to get approved sooner. We make the process safe, simple, and stress-free.
Fast finance for cars, equipment, or personal goals — with clear terms and quick approvals.
Flexible funding for growth, property, or expansion — minus the paperwork and long wait times.
Smart SMSF lending for property investment — compliant, efficient, and built for long-term growth.
For over 23 years, we’ve helped Australians secure better loans with award-winning service, personal care, and advice that puts you first.
Recognised nationally for excellence real results, not just titles.
We’re with you for the long run, guiding you beyond approval with full support.
We find the best loan for you not the bank across 40+ trusted lenders.
Clear steps, fast approvals, and help whenever you need it!














We’ve reimagined the loan process with faster approvals, real savings, and guidance that always puts you first.
Forget long waits and endless forms. Our team compares over 40 lenders to get you approved quickly with better rates designed to save you time and money.
We don’t answer to banks we advocate for you. With decades of experience and award-winning service, our brokers negotiate the best deals for you.
Don’t get stuck paying more than you should. We analyse your current loan, compare new options, and build a refinance plan that maximises your financial growth.
With over 200+ Google Reviews and counting, hear what our community has to say about our highly recommended home loan specialists.
Bronte How
Smart Lending are amazingly helpful and resourceful, can always find a way. They have helped my family over the years achieve their first homes and now myself at a very difficult time in my life to find my own home. I can’t recommend them enough.
Radmila Dusanovic
Courtney and Melissa went above and beyond to provide exceptional service! Their dedication, professionalism, and attention to detail truly stood out. They make an amazing team, and I couldn’t be happier with the experience they provided. Highly recommend!
Miss E
Melissa and her amazing team at Smart Lending were nothing short of brilliant. The customer service received was unmatched along with the prompt responses to get the information processed as soon as possible. Thank you so much for saving me so much time and finances. I would highly recommend Smart Lending for your financial matters. A+++++
Shane Magrifukin
The effort Melissa and her amazing team go to get the best results and make the whole experience so simple and easy. I have used them a few times now over the last 10+ years and same service and effort for excellence every time. Thanks again and I can recommend you all as the best in the business
Narelle Fraser
Amazingly fast and efficient service! From the initial contact to the follow up to the after sales experience. I will recommend Smart Lending to anyone who is looking for a home loan. I am so impressed. I cannot express it adequately. These guys are the best!
Posted on Sarah Pavey2025-06-16Trustindex verifies that the original source of the review is Google. Cannot thank Smart Lending enough for all of their help in buying our first home, they have made the whole process easy and stress free! No question was silly and they were happy to answer them no matter the time of day. Will definitely be recommending them to all of our family and friendsPosted on Christina Hoffman2025-06-15Trustindex verifies that the original source of the review is Google. Highly recommend Courtney and the team at Smart Lending! They made the process of buying our new home stress free and much easier than other experiences we've had. Thank you Courtney. ???? ????Posted on Teagan Ottone2025-06-10Trustindex verifies that the original source of the review is Google. Highly recommend the team at smart lending! They have helped us in many ways when buying our first home and have been so patient and understanding in every situation! Very professional and reliable and always there when needed, buying our first home would have been a lot harder without this amazing team!! ⭐️⭐️⭐️⭐️⭐️ The girls recognised a way for me to make our home loan repayments cheaper and contacted me to organise it and did everything to get me the best rate possible!! Could not recommend this amazing team more!!Posted on Kane Manicaro2025-06-02Trustindex verifies that the original source of the review is Google. I had the great pleasure of dealing with Courtney from the Smart lending team. To say she went above and beyond to meet my needs and make everything as simple as possible for me is an understatement at best, Courtney and her team were there for me every step of the way ensuring I ticked all the right boxes and worked tirelessly getting me the end result I was after. I couldn't recommend Courtney highly enough to anyone looking for a broker or financial advise/assistance. Thankyou for all your help, I look forward to working with you again in the future!Posted on Sheree Cantelmi2025-05-29Trustindex verifies that the original source of the review is Google. This was my second time using smart lending and once again we have had the greatest experience. We had Courtney assisting us this time and from start to finish she made the whole process seamless. With amazing communication throughout the entire process it really made it as stress free as possible. Thank you Courtney, Melissa and team!Posted on Simon2025-05-27Trustindex verifies that the original source of the review is Google. White glove service & great communication - we will be back! The team at Smart Lending were absolutely fantastic. After a difficult experience with a previous broker, Melissa, Courtney and team not only turned our situation around, they quickly made us feel comfortable and continued to guide us through the best options we had available. We felt confident in the team’s ability the whole way through and managed to successfully purchase our investment property and to be dream home. My partner and I were very impressed and highly recommend the Smart Lending team to anyone starting out or expanding their portfolio. Massive thanks to the team at Smart Lending!Posted on Hayley Owen2025-05-15Trustindex verifies that the original source of the review is Google. Courtney and the team at Smart Lending have been fantastic to work with. They’ve been efficient with our application and have upheld communication throughout. Highly recommend.Posted on Ben Griffiths2025-05-12Trustindex verifies that the original source of the review is Google. Working with Smart Lending opened a world of possibilities for us. Buying a house sounded virtually unobtainable however Melissa and her staff made the process so transparent, accessible and easy. We first met with Melissa to just explore our options and get our figures worked out, then over the following year as we built our deposit, we gained our pre-approval, gained expert knowledge from Melissa on how the real estate world works (super valuable for us naive first home buyers), and bought a wonderful home. The team was always a call away and demonstrated confidence and reliability. They were able to secure us a mortgage using the first home owners scheme 4 days after signing the contract to buy our first home (well within the 7 day contract to finance clause), and working with us to get everything done within a short 30 day settlement. They have a conveyancer they use which makes the process neat and in house. Melissa and her team went above and beyond, and we attribute our great success in buying our first home to their guidance and brilliant brokerage. We will work with them in the future and will be recommending them to our families and friends.Posted on Alyce Jade2025-05-12Trustindex verifies that the original source of the review is Google. I highly recommend the Smart Lending team. Nervous about purchasing our first home, both Melissa and Courtney put us at ease and ensured a great experience! No question was silly, and always met with a kind and knowledgeable response. Thank you so much for all your help, Smart Lending!Posted on Dianne Toulson2025-05-12Trustindex verifies that the original source of the review is Google. We just secured family house no 4 with my son purchasing his first home through Melissa and the team from Smart Lending ! Melissa has guided our family through three previous house purchases with absolute professionalism and care and it was no different this time around. From start to finish the professionalism, communication and personalisation they provide is incredible. They take all the stress out and ensure everything happens smoothly. I send all of my friends their way !
With over 45 lenders competing for your loan, the best rates won’t last long. Start your application today and secure your approval before offers expire.
A mortgage broker Melbourne compares multiple lenders to secure the best home loan rates. You save time, avoid complex paperwork, and access tailored home loans Melbourne solutions designed around your property goals and financial situation.
Eligibility for a first home buyer loan depends on citizenship, income, deposit, and property value. Our mortgage broker Melbourne team assesses your profile, explains government schemes, and helps you apply for the right home loan without stress.
Approval times vary, but our mortgage broker Melbourne team streamlines the process. We compare 40+ lenders, collect documents, and secure fast home loan or refinancing approval so you can move forward quickly and confidently.
A new home loan is for buying property; refinancing home loan means switching to a better deal. Our mortgage broker Melbourne experts compare lenders and handle everything to save you money and reduce monthly repayments.
Using a mortgage broker Melbourne usually costs nothing up front. We’re paid by the lender after settlement and always explain any loan fees clearly so you understand the true cost before applying.
Book a free consultation with our mortgage broker Melbourne team. We review your goals, assess eligibility, compare home loans Melbourne options, and guide you through approval and settlement for a smooth, stress-free borrowing experience.
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