Mortgage Brokers West Pennant Hills

Michelle Schaafsma

Michelle Schaafsma’s mortgage broking service is second to none. At Smartline, we work with our clients to ensure they understand their home loan options, know exactly how much they can borrow and ensure they choose the right mortgage and the right lender to suit their needs.

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Great Loans, Priceless Service

Michelle Schaafsma just loves to help people finance property. With 30 years’ experience in finance, banking and property investment, Michelle has the perfect background to assist clients with their lending requirements. “I’m here to do all the hard work for you,” she says, “I’m here to organise your property finance, and find the right solution to your lending needs.”

Professional, dedicated and reliable, Michelle is based in Pennant Hills in Sydney.

Call Michelle now to talk about "getting started".


  • First home buyers
  • Investment property loans
  • Self employed
  • Refinancing
  • Upgrading / Downsizing
  • Construction loans
  • Building / Renovating loans
  • Equity release
  • Deposit Bonds
  • Bridging loans
  • Car finance
  • Asset finance
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Client Reviews

5 September 2018

Nicole R

Michelle’s service was excellent. She listened to our needs, made sure we knew exactly what everything meant and was in regular contact with us throughout the loan approval and then house settlement process. Her regular contact, assistance with questions and explanations of anything we were unsure of made the whole process smooth and simple. I would highly recommend Michelle to anyone needing a mortgage broker.

Adviser - Michelle Schaafsma
27 July 2018

Jeffrey F

Michelle was always there, contactable and had answers to all my questions. Michelle was calm when things got busy and knew what to expect and kept me informed. Once again, thanks so much for getting my investment property and loan all organised.

Adviser - Michelle Schaafsma
20 June 2018

Craig M

Michelle was extremely helpful, knowledgable and an absolute pleasure to deal with. I would definitely recommend her to anyone needing assistance with their home lending needs.

Adviser - Michelle Schaafsma
5 June 2018

Louise K


Adviser - Michelle Schaafsma
23 May 2018

Margaret D

Michelle had an enormous patience throughout the entire process. We had a couple of delays from the builders and approval process. from Council. However, Michelle assured me that we would definitely settle. Michelle went out of her way to proactively pull everything together. I would definitely recommend Michelle to my friends and family

Adviser - Michelle Schaafsma
11 May 2018

Michael L


Adviser - Michelle Schaafsma
25 November 2017

Paul R


Adviser - Michelle Schaafsma
16 October 2017

Nigel R

We have used Michelle Schaafsma on a number of occasions now, each time she has provided excellent customer service and has bent over backwards to meet our needs.

Adviser - Michelle Schaafsma
24 September 2017


Michelle provided genuine options for me to consider and worked really well with the conveyance company and bank to help the property refinance settle on time. I also appreciate how Michelle takes the time to educate me on my loans and keeps me informed along the way. Thanks Michelle.

Adviser - Michelle Schaafsma
26 June 2017

Praveen S

We are excited and also overwhelmed with the process of packing and moving. But overall we are looking forward to our new home. Once again thank you so much for your kind assistance. We will continue to remember you for your unending support.

Adviser - Michelle Schaafsma
7 June 2017

Indranil M

Again a very professional approach to guide through the process for the top up loan. Great service.

Adviser - Michelle Schaafsma
31 May 2017

Antony B

This is the second mortgage Michelle has arranged for us and just like the first, her support, knowledge, and assistance, was invaluable. We would recommend Michelle without any hesitation.

Adviser - Michelle Schaafsma
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Michelle Schaafsma

51 Westmore Dr, West Pennant Hills NSW 2125, Australia
Phone: 0488*** 056