Mortgage Brokers Bellarine Peninsula

Michael Ryan

Michael Ryan’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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Michael has nearly 30 years’ experience in banking and lending and offers a depth of finance knowledge that is hard to beat. He also has a thorough knowledge of the Geelong, Ballarat and the South West Coast property markets.

Michael has built many strong long-term relationships with clients over the years, as a result of his honesty, reliability and ability to fully understand his client’s requirements.

He is based around the Barwon Heads and Point Lonsdale areas but is fully mobile. Call Michael Ryan on 0439 385 878.


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

15 October 2018

Jonathon L


Adviser - Michael Ryan
17 April 2018

Jane F


Adviser - Michael Ryan
23 March 2018

Seumas S


Adviser - Michael Ryan
9 February 2018

Jack R

I could not fault Micheal Ryan. He helped me in purchasing my first house, he was in regular contact during and out of working hours. We had an issue with the bank policy changing but micheal was able to find a solution and we worked around it. Have already recommended to family and friends 10/10.

Adviser - Michael Ryan
22 January 2018

Melinda E


Adviser - Michael Ryan
5 June 2017

Joe D

Michael Ryan is sensational. He is very knowledgeable he gave us all the options that suited our needs He goes beyond what a normal person would His customer service and his professionalism is why we keep coming back It would be very hard to find someone better than Michael Cheers Joe

Adviser - Michael Ryan
10 March 2017

Matt M


Adviser - Michael Ryan
8 March 2017



Adviser - Michael Ryan
16 February 2017

Garry, Deborah K

If your time is important, don’t waste it sitting in a bank trying to get a loan.

Adviser - Michael Ryan
10 January 2017

Leanne F

Micheal is the most professional and helpful Broker I have had the pleasure of dealing with. I use Micheal personally and I encourage and refer my clients and friends to use Micheal when possible. Michael assisted me in my very demanding and complex transaction even going to the extend of personally coming to my office to sign documents and then personally delivering documents to Melbourne to ensure my settlement met a pending settlement date. Also, my son was a first home buyer and Michael took the time to explain every detail of the documentation which was very impressive providing my son with complete confidence and understanding of the processes involved in the transaction. Terrific customer service.

Adviser - Michael Ryan
13 December 2016

Judd J

Michael RYAN from Smartline is very good at his job. Having used him on a number of occasions, Michael has excellent product knowledge, he is able to construct a loan to suit every need and his approach takes out any stress that usually comes with applying for a loan. Michael’s customer service was brilliant, I cannot thank him enough for his advise and expertise, he is a true professional, Regards, Judd and Rose

Adviser - Michael Ryan
7 December 2016

Michael K

Michael provided a very professional service. He also put together a complex set of loans that is tailored to my families financial and lifestyle needs. He is a clever fellow with experience. I couldn’t thank him enough for the fantastic advice and service he gave us.

Adviser - Michael Ryan
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Michael Ryan

Point Lonsdale VIC 3225, Australia
Phone: 0439*** 878