Dennis Mrljak and Simona Lai – Parramatta Personal Mortgage Advisers

Dennis-July06 newsline Simona aug05 newsline

Husband-and-wife team Simona Lai and Dennis Mrljak adhere to a simple work philosophy – do your very best for your clients and business will follow.

“Being able to make an informed decision is crucial for a client seeking a mortgage,” explains Simona. “So we try very hard to provide our clients with all the alternatives to enable them to make the right choices.

Simona and Dennis are widely acknowledged as two of the industry’s best operators. They are both extremely proficient brokers, with 20 years of specialist experience accumulated while working as lending managers for major banks and operating their own mortgage-broking business.

The pair cover all areas of mortgage lending – from taking first-home buyers through the ropes to establishing complex mortgage-minimisation structures.

“We’re happy to assist all borrowers looking for the security of bricks and mortar,” adds Simona. “The best aspect of the job is dealing with our clients and helping them to structure their loans – and telling clients they have had approval always makes our day!”

Dennis and Simona’s mortgage broking business is based in Parramatta, but they are fully mobile and services all areas of the Sydney metropolitan area including but not limited to Rydalmere, Camellia, Rosehill, Silverwater and Harris Park and can be contacted seven days a week.

  • Smartline High Achievement Award $50m – $100m Winner 2017, 2020
  • Smartline Client Care Award Winner 2017, 2020
  • Smartline High Achievement Award 2014, 2018, 2019
  • Smartline Client Care Award 2018, 2019
  • Smartline Franchise Owner of the Year NSW/ACT Finalist 2017, 2018
  • Smartline Lenders’ Choice Award NSW/ACT Finalist 2017
  • Smartline Lender’s Choice Award Winner 2014
  • Smartline Client Care Award Finalist 2014
  • Smartline Franchise of the Year Finalist 2014
  • Smartline Franchise Owner of the Year (single) Finalist 2013
  • Smartline NSW Lenders’ Choice Award Winner 2008, 2013
  • Smartline High Achievement Award Finalist 2008, 2009, 2010, 2013
  • Smartline NSW Lenders’ Choice Award Finalist 2010
  • Smartline NSW/ACT Client Care Award Finalist 2009

Michael Spasic – Loans Writer

Michael is a dedicated and very knowledgeable mortgage adviser who will ensure you get the right loan solution every time.

Friendly, approachable and professional, Michael strives to provide the best customer service possible. He believes communication and rapport is the key to being a great mortgage adviser and he has this in spades.

“Keeping the lines of communication open between adviser and client is crucial,” he says. “I am passionate about listening to my clients as this is the only way I can fully understand their needs, and ensure I provide them with a solution that matches their individual requirements. Equally, I am available at any time for queries and discussion. I make sure my clients understand all their options so they can make informed decisions.”

Michael also firmly believes in honesty and transparency. “I’m always upfront with clients about loan expectations and approval times. That said, I will also go the extra mile for my clients, so if there’s anything I can do to make something happen, I will.”

With more than 10 years of experience in lending, including working at one of the major banks, Michael is extremely knowledgeable about the various loan solutions on the market as well as bank policies and procedures.

“My clients are my top priority,” he says. “My main aim is to assist my clients achieve the best result possible in terms of their lending to help them build a financially successful future.”
Michael lives and works in Parramatta in western Sydney and can assist clients in nearby areas.


Lorraine Boxell – Loans Processor

Lorraine Boxsell newsline

When arranging a home or investment loan for her clients, Lorraine Boxsell aims to minimise their anxiety so they can enjoy purchasing their new property and find the home loan experience an easy one.

Lorraine always listens closely to her client’s financial needs so she can tailor a finance package suited to their requirements. She knows that each situation is unique and you need a loan just for you. “My clients vary from first home buyers to seasoned investors, clients looking to access the equity in their homes or carry out home improvements. Whatever your situation, I can help,” she says.

Lorraine utilises her 25 years banking and finance experience to assist her clients choose a loan that’s flexible enough to meet their needs today and in the future. She keeps them informed each step of the way through the loan process. “I take the time to explain every step of the home loan process so that my clients have a thorough understanding of their mortgage and are confident in their choices,” Lorraine explains.

Lorraine believes her role as a mortgage consultant is ongoing, even after the settlement of her client’s property. She stays in touch with her clients in the subsequent years to ensure that their loans are still meeting their financial needs.

Lorraine takes great pride in knowing that she is assisting others to achieve their financial goals. She believes she is providing a level of service beyond what is available from most banks. “Most of my clients are referred to me and it is a wonderful compliment when my clients frequently recommend my service to their family, friends and work colleagues,” she adds.