Bruce Downing – Personal Mortgage Adviser

Mobile: 0417 967 233

After 10 years of being a highly successful and award winning broker with Smartline in Albany (formerly The Mortgage Gallery), Bruce Downing and his wife Jacky moved to Margaret River in September 2012 to open their own office, and have owned the franchise since August 2016.

Before starting his career with Smartline (formerly The Mortgage Gallery) in 2002, Bruce developed a wide range of financial and business skills that help him understand the individual needs of his clients.

Bruce worked with ANZ Bank in lending and in international banking that gave him experience with imports, exports, and forward exchange contracts. He transitioned to more personalised financing with a large car dealership where he spent 5 years arranging loans for individuals, partnerships, and registered businesses and companies.

In addition to his financial experience, Bruce established and operated his own small business for several years before joining Smartline. The experience of budgeting, developing professional partnerships, and managing the day-to-day activities that made his business successful gives him valuable insight into the financial requirements that will help his clients grow and prosper.

His commitment to his clients is deeply rooted in his own personal beliefs and ethics. Bruce believes there is no-one more important in the loan transaction than the client and he always listens to his clients’ dreams and aspirations as well their actual financial circumstances, enabling the right balance of wants and needs to be reflected in the loan packages he arranges.

He and Jacky have 4 daughters and 9 grandchildren. He is a dedicated West Coast Eagles fan and enjoys playing golf and collecting wine. Bruce loves the quiet, relaxed lifestyle in the perfect climate of Margaret River.

“The majority of my business comes from happy, repeat clients and people they have personally referred to me. I love making a difference in people’s lives and see that as the most satisfying part of being a Mortgage Broker.”

  • Smartline Insurance Award WA Winner 2021
  • Smartline Lenders’ Choice Award WA Finalist 2017
  • Smartline High Achievement Award 2014, 2015, 2017
  • Smartline Client Care Award Finalist 2014

Jacky Downing – Client Services Manager


Whilst Jacky Downing has a background in clerical positions and also has a Certificate in Aged Care she has a long history in the finance industry with many years spent in the ANZ Bank Albany Branch as a Manager’s Assistant involved in Commercial Lending.

Jacky worked in the Mortgage Gallery Albany Office as the Office Manager and a Personal Assistant for four years and is delighted to be back working with her husband Bruce in the Margaret River Office.

Jacky understands the importance of each client’s needs in her role as the Client Services Manager. With her many years experience in banking this skill is invaluable when it comes to dealing with the many varied Lenders that Smartline uses on a day to day basis.  Talking with Lenders and communicating with the client to keep them appraised of how their application is progressing are two of the many things that Jacky undertakes on a daily basis.  Bruce couldn’t be without her!

Since moving to Margaret River, Jacky and husband Bruce have enjoyed getting to know the community and the region. “Margaret River is a really special place and we are honored to be able to assist the local people with their finances,” Jacky says. Bruce and Jacky also regularly give back to the local community by sponsoring local schools and sporting clubs.

Jacky likes to keep busy gardening and cooking and enjoys the wonderful wineries on her doorstep here in Margaret River..  Curling up with a good novel in front of the fire on a cold winter’s day is also one way to relax after a busy week spent in the office.