Hayden and Caroline Folbigg share a passion and commitment for managing clients’ long-term mortgage needs, from the purchase of their first home through to buying investments and building wealth and then into retirement.

Working as a team for more than 20 years, Hayden and Caroline provide detailed guidance throughout the mortgage process and the very highest level of client service. They remain committed to working with you to manage your mortgage position now and into the future.

They can look after all your financing needs including home, superannuation, commercial and leasing finance. Together, they have a long-standing and dedicated group of clients who view Hayden and Caroline as their personal bankers and trusted advisers.

Based in offices in Balmain, Hayden and Caroline offer a fully mobile service to all areas of the Sydney metropolitan area and can meet with you at a time and location that suits you.

With a Diploma in Financial Services and Mortgage Broking Management, both Hayden and Caroline are Authorised Credit Representatives under Smartline’s Australian Credit Licence and are Accredited Mortgage Consultants with the Mortgage Finance Association of Australia (MFAA). Both are bound by the MFAA Code of Practice and the Credit Industry Ombudsman Scheme.

Hayden Folbigg – Personal Mortgage Adviser

With more than 20 years’ experience and extensive technical knowledge of the vast array of mortgage products available, Hayden Folbigg offers clients a thorough, jargon-free mortgage advisory service.

Hayden commenced his career as a mortgage adviser in 1997 following more than seven years as a real estate agent. As such, he has earned a reputation for quality service, excellent industry knowledge and exceptional attention to detail.

Hayden’s educational approach to providing mortgage advice ensures clients make well informed home, investment and/or commercial loan decisions.

  • Smartline High Achievement Award 2014 – 2020
  • Smartline Franchise Owner of the Year NSW Finalist 2019
  • Smartline Hall of Fame Inductee 2011


Caroline Folbigg – Personal Mortgage Adviser

Caroline Folbigg’s dedication to superior customer service, attention to detail, and personal integrity has seen her establish a well-regarded reputation in the mortgage industry.

Caroline joined the mortgage advisory industry in 1997 following three years with Macquarie Bank, where she gained an extensive knowledge of all aspects of mortgages. Caroline left the bank to become a mortgage adviser and offer clients a whole new style of service-driven mortgage lending.

Caroline also holds a Bachelor of Economics from Sydney University and a Certificate in Mortgage Securitisation.

  • Smartline High Achievement Award 2014 – 2020
  • Smartline Franchise Owner of the Year NSW Finalist 2019
  • Smartline Hall of Fame Inductee 2011


Heather Williams – Client Service Manager

heather-williams-smartlineHeather Williams, in her role as Client Service Manager, is a great support to clients of Hayden & Caroline, with them benefitting from her more than 30 years of banking and mortgage broking experience and her commitment to great communication.

Heather helps to guide Smartline clients during the home loan application process, right through until after loan settlement.

“Throughout my career I’ve always been passionate about providing outstanding customer service and ensuring that clients have a great experience.”

“That’s why we keep our clients well informed at every stage of the process, so they never have to wonder or stress about what is happening.”

“My role is to support Hayden & Caroline and make sure things get done, and get done well and on time. That way, everything runs smoothly from beginning to end.”