Martin Castilla
Principal & Personal Mortgage Adviser

Martin Castilla – Personal Mortgage Adviser

Martin is an extremely experienced and qualified mortgage adviser with over 20 years’ experience in the lending industry.

As your adviser, Martin will assess your immediate financial needs and circumstances as well as taking into account your long term property and finance goals. He has a vast breadth of knowledge of the lending products, structures and policies in the marketplace and keeps up to date with the constant changes affecting the industry.

Caring, personable and genuine, Martin treats every client like he would a close friend. According to one of his clients, Daniel W, “Martin was always easily contactable and would call back as soon as he was available to talk. He was always positive and willing to help even when it looked like we might not qualify for a loan. I have been recommending Martin and Smartline to my friends who are in the market to buy property and will definitely contact Martin again for any refinancing or new mortgage needs.”

Martin is also highly knowledgeable in property investment, having taught Finance and Gearing in Property investment for 13 years. As his client, you will benefit from his many years’ experience in this area. He is happy to go through the various options with you, and will continue to explore all avenues to help you find the best solution for a successful property investment.

Patient, dedicated and persistent, Martin will go in to bat for his clients wherever necessary. Another client, Kimberly H, says of her experience, “Martin has done an excellent job looking after us in the purchase of our first home. He patiently explained the processes involved and provided the resources to assist our understanding. He was tech-savvy and would look over our documents as we collected them and uploaded them to a shared folder. When presented with a discount from the vendor on a parcel of land, Martin worked hard with his team and other relevant parties to make sure we made the deadline to receive the discount. We cannot fault his effort or attentiveness in providing an excellent and trustworthy service.”

Martin’s commitment to helping his clients is second to none. “I understand that my clients are often making the most important financial decisions of their lives,” says Martin. “I can help alleviate some of the stress that comes with lending by being there every step of the way.”

Martin can assist all borrowers, particularly investors, owner-occupiers and those looking for debt consolidation. He is also a Justice of the Peace, so he can fast track the identification process for you.

“My goal is to ensure you end up with a highly competitive loan package that suits your financial needs now and in the future. I can help you make the right decisions to build a successful financial future; my clients are clients for life.”

Martin is based in Dulwich in Adelaide and is fully mobile in the metro area.

Call Martin on mobile 0422 442 243 or email

SA Smartline Marketing Champion Finalist 2010
WA/SA Smartline Marketing Champion Winner 2009
SA/WA Smartline Client Care Award Finalist 2009
Smartline Rookie of the Year Finalist 2009
AMA Best New Office on the Block Finalist 2009
AMA Young Gun of the Year Finalist 2009


Miriam Castilla (nee Agnos) – Owner

Miriam believes in growing with her clients. “I structure my clients’ loans to suit their present and future circumstances. It is the most important part of my service,” says Miriam. “I often see new clients whose old loan structure made holding onto their investment property way too expensive and we restructure to free up cash flow. This is obviously crucial when you’re trying to build wealth. Most people are also unaware that their relationship with me should be an ongoing one. It’s important to keep checking in to ensure their loan structure still suits their situation.” she adds.

Miriam’s clients enjoy the benefit of her wide industry experience. She spent eight years in conveyancing and a short time working for a lender before joining Smartline. “My experience in different parts of the industry means that I can be proactive and avoid any potential problems or delays,” she says. “I’d like all my clients to walk away from a transaction, saying ‘that was SO easy!’”

Miriam’s planning skills and strong industry background are an asset for aspiring and committed property investors. “First home owners often don’t realise they can plan for property investment over the next couple of years and they’re pleasantly surprised when I show them how,” she explains. Miriam also says that she comes across a lot of people who are starting again from scratch; be it following a separation or through other circumstances. “It’s important to know that you can build your wealth up again by putting a plan in place. I aim to empower people so they can make choices about their future.”

As a mother of two young children, Miriam knows what it’s like to juggle work and family but she also manages to squeeze in time to volunteer as a motivational speaker for kids. “I find working with kids very rewarding as they are completely honest. I want them to know that they do not need to get caught up in peer pressure, that they are in control and have choices.”

Miriam operates out of a centrally located office in Dulwich, servicing clients all over Adelaide. “Our office has been created with a personal and relaxed ambience. We want people to come in and feel comfortable, not intimidated. It’s all part of delivering an outstanding level of service to our clients,” she says.

You can read more about Miriam in a recent edition of Australian Broker.

Smartline Client Service Award SA Winner 2010
Smartline Lenders’ Choice Award SA Finalist 2010
Smartline Marketing Champion SA Finalist 2007, 2008, 2010
Smartline Lender’s Choice Award SA/WA Finalist 2009
Smartline Rising Star of the Year Winner 2009
AMA ”Best New Office on the Block” 2009 Finalist
Smartline Rising Star Award Finalist 2008
Smartline Client Service Award SA / WA Finalist 2008