Mortgage Brokers The Hills District & 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

13 July 2019

Luke U

Dealing with Michelle I can’t think of any area that needs improvement the whole process was great and would recommend her to anyone

Mortgage Broker - Michelle Schaafsma
1 July 2019

Katrina S


Mortgage Broker - Michelle Schaafsma
30 May 2019

Michael P


Mortgage Broker - Michelle Schaafsma
2 May 2019

Darren B

Friendly, professional, no question was silly, explained everything in easy language, made your at ease, great knowledge

Mortgage Broker - Michelle Schaafsma
29 April 2019

Jeffrey F


Mortgage Broker - Michelle Schaafsma
13 February 2019

Rodney E

Thanks Michelle, You have been amazing, I’ve already told a number of friends and work colleagues about the service you have provided, how easy you made it and how patient you have been, if any are approaching the time of needing finance i will send them your way. thanks again for all your help and support, Rod.

Mortgage Broker - Michelle Schaafsma
2 February 2019

Andrew P


Mortgage Broker - Michelle Schaafsma
23 January 2019

Rodney E

I have been a nightmare to deal with and Michelle has been amazingly patient and supportive 10/10 on all fronts – i almost never give perfect scores on any survey, Michelle deserves everyone of them

Mortgage Broker - Michelle Schaafsma
27 December 2018

Reinald S

Our advisor was fantastic, very informative and supportive and was so helpful with every step of the way through to process. I would highly recommend her to anyone and will definitely be using her for any future services that we may require.

Mortgage Broker - Michelle Schaafsma
13 December 2018

Rachael A

Nothing was too much trouble

Mortgage Broker - Michelle Schaafsma
24 November 2018

Sarah M

Exceptional service throughout the whole mortgage process. Excellent communication, friendly and professional service! Could not fault the service! I highly recommend Michelle to anyone looking for a genuine, high quality and helpful home buying process with Michelle at smartline ??

Mortgage Broker - Michelle Schaafsma
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.

Mortgage Broker - Michelle Schaafsma
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Contact Michelle Schaafsma

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Michelle Schaafsma

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