The team at Smartline Victoria Park, have built their reputation on excellence, integrity, and expertise. Established in 2003 by Rob and Kylie White, the franchise is now owned by Mortgage Adviser Kylie Highstead, who joined the office 13 years ago and is committed to delivering the same dedicated service that Smartline’s clients have come to expect. Kylie is supported by experienced advisers and long-term team members.

Based in Victoria Park, the team thrives on assisting their local community with honest, trusted advice on all loan-related matters, and helping them navigate their way into home ownership.

As a group of solutions-driven professionals, they pride themselves on delivering complete customer satisfaction, and aim to ensure a positive, stress-free borrowing experience for every customer.

The Victoria Park team can assist with all types of loans, including home, investment or business loans, and asset finance. They are fully mobile if required, and as well as specialising in the Victoria Park and Pilbara regions, are happy to work with customers across Australia.


Kylie Highstead -Director & Personal Mortgage Consultant


Smartline Victoria Park Franchisee Kylie Highstead is passionate about helping her clients achieve their home ownership dreams and other life goals.

Kylie started with Smartline in 2007, and worked closely with previous franchisee Rob Whyte, first in administration and then, following the completion of her Diploma in Financial Services (Mortgage Broking), as a mortgage broker.

‘Starting out as an assistant and having such a great mentor in Rob gave me the opportunity to gain knowledge and insight into the broking industry as well as the hands-on experience required to become a broker myself,’ she says. ‘In April 2019, I took the next step in my career, taking over from Rob as Franchise Owner.’

Whether you’re a first home buyer, property investor or simply after a change, Kylie is committed to providing friendly, professional service to make the borrowing process as streamlined and fuss-free as possible. ‘I take a client-focused approach, listening to their needs and providing clear, easy-to-understand and honest lending advice,’ she says. ‘I believe the most important factor when arranging a loan for people is to maintain high-level communication between all parties – clients, agents, conveyancers, etc. It’s also important that my clients feel they can trust my advice on lending matters.’

With extensive knowledge and experience, Kylie is well-equipped to find the loan product most suited to each client’s needs, even if this means looking outside the box. ‘If there’s a way, I’ll find it,’ she says, adding that she provides long-term customer support to ensure a loan continues to perform well across its lifetime: ‘We’re with you from your initial appointment until your loan is paid off.’

The Smartline office is located in Victoria Park and predominantly services the surrounding suburbs, including Como, South Perth, Kensington, East Vic Park, Lathlain, Carlisle, Kewdale, Cloverdale, Rivervale and Belmont. Kylie can assist with all types of loans, including home, investment or business loans, and asset finance and is fully mobile if required.


Nicole Harvey – Personal Mortgage Adviser

Mobile: 0433 355 992

Nic brings with her, a strong family-focussed work ethic, which stems from spending her younger years in the family retail business, and understands how a business can become successful by treating it’s customers with the respect and care they deserve. She started her journey into the finance industry in 2004, with experience in client service, account management, with a move to lending in more recent years.

Throughout this time she has gained valuable knowledge on all facets of the loan process and was fortunate enough to be given many opportunities to assist clients in many different loans beginning with vehicle finance through to eventually assisting with home finance – her passion.

Nic says, “It is such a privilege to be able to assist in helping people reach their goals of first home ownership, or buying additional properties. Making it a great experience for clients, exceeding their expectations. I just love being involved in such an exciting step for so many Australians.”

It was an easy decision to bring Nic into our Smartline family, and she is a vital and well-respected member of our team.


Valda Anderson – Loans Administrator

As Smartline’s Loans Administrator, Valda is committed to ensuring every client receives a highly personalised and responsive service.

Her primary responsibilities include managing the administrative load – including settlements, documentation and applications – and supporting Kylie, Nicole and all clients with regular updates and proactively attending to requests and queries.

‘Customer service is important to me as I believe if you give the client a good experience that this will always produce further business and promote the businesses brand,’ Valda says.

Valda has worked in the finance industry for over 30 years and has held a variety of roles including teller, personal banker, home loan specialist, branch manager, business associate and business banking manager. Before joining Smartline, Valda managed her own portfolio of business clients.

Career highlights include championing the NAB Schools First Indigenous program and being nominated for NAB Business Banker of the Year twice in Darwin and Adelaide during her time with the bank. Valda is also a representative for Women in Business Darwin.