Book a FREE 15-minute Loan Consultation with our trusted mortgage brokers with 5-star ratings.
Whether you’re looking to purchase your first home, invest, refinance your loan or obtain finance to fund the purchase of an asset, our team of brokers will customise a loan that will suit your individual situation.
We are a customer-centric and results driven brokerage. With over 23 years of industry experience, our team is dedicated to making the finance process seamless for you.
We manage the loan process to save you time and money, securing a competitive rates so you can focus on what truly matters.
Our experts guide you through the loan process, offering answers and tailored advice to meet your unique needs.
We compare Australia’s top lenders to find the best rates and loan terms, personalized precisely for your financial goals resulting in fast approvals.
We work to secure the lowest possible rates for your loan, ensuring you always get the best deal without extra hassle.
Winning multiple awards over the years both with the MPA, Elite Top 100, Better Business Awards and various AFG awards (AFG Top 50, AFG Loan Writer of the Year winner on multiple occasions) as well as being part of the prestigious AFG Chairman’s Club.
However, the highlight of Melissa’s career was being the only female within 2 decades to win the MFAA National Excellence Awards; “Mortgage Credit Adviser of the Year” in 2014. Most recently, Melissa and her team won the 2024 MFAA Best Customer Service Office of the Year, commending the brokerage for presenting the highest level of customer service to their clients within the industry.
At Smart Lending, we partner with APFM (Australian Prime Financial Management) to provide strategic financial planning solutions. Whether you’re planning for retirement, investing, or securing your family’s future, our trusted advisors connect you with APFM’s experts to create a personalized roadmap for financial success.
See what our clients are saying about their experience with Smart Lending, the best rated mortgage broker in Melbourne.
Barbara Paine
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.
Bronte How
Courtney was an absolutely hero to my wife and I in getting our first home settled. I’m not joking when I say she made getting our home loan the least stressful part of the process. Courtney was consistently proactive and communicative, and always explained things in an accessible way. This was a great outcome for us, and if you’re looking for broker you couldn’t do better.
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!
Interested in expert financial planning? Complete our form below, and we’ll facilitate your introduction to APFM’s specialists.
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