Mortgage Brokers Ringwood

Michael Sugiandi

Michael Sugiandi’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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Providing quality mortgage advice and helping clients select the most suitable loan is what I do best. With over 27 lenders to choose from, I can ensure your new lending solution meets your current and future financing needs as well as giving you a great deal.

I am a highly experienced mortgage adviser, and will set up your lending so as to have far-reaching positive ramifications for your financial future.

Based in Ringwood in Melbourne’s east, I am fully mobile and can assist with all borrowing needs.

Call Michael Sugiandi today on 0413 130 392.


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

12 December 2018

Christopher B

Michael was and is fantastic to work with.

Adviser - Michael Sugiandi
17 September 2018

Nina C


Adviser - Michael Sugiandi
26 July 2018

Mark D


Adviser - Michael Sugiandi
28 January 2018

Marcus B


Adviser - Michael Sugiandi
12 May 2017

Adam S

So helpful and willing to give information I needed . Top guy . Adam

Adviser - Michael Sugiandi
20 March 2017

Anna E

Very happy with the service we have received. Michael went above and beyond to help us and took our family needs into consideration. Will use him again in the future.

Adviser - Michael Sugiandi
3 March 2017

Wey L


Adviser - Michael Sugiandi
16 November 2016

Karl T

Michael went out of his way to work through a few last minute complications with our solicitor to make everything fall into line and have settlement happen with no other problems. Fantastic service throughout the history of our financial needs and requests. Thank you for your hard work we appreciate all you have done for us. Karl and Lynette

Adviser - Michael Sugiandi
5 September 2016

Rajkrishnan R

Michael did spend time explaining in details of different scenarios and suggested the one which suits us for the time being and for the future. Michael is update with all the products available in the market . Will definitely recommend to my friends and service we received

Adviser - Michael Sugiandi
10 June 2016

Perry K

Michael went over and above for my loan. I 100% would recommend him to anyone needing a loan.

Adviser - Michael Sugiandi
1 June 2016

Andrew L

Wouldn’t take responsibility. Referred him in the past and now would never work with him or smart line again

Adviser - Michael Sugiandi
21 May 2016

Peter W

Michael has been professional and courteous throughout our transactions. He went way beyond what we expected in service and professionalism. Even when things went wrong with the financial institution doing the wrong thing, he made sure to do everything he could to make it a smooth transaction. I would highly recommend Michael and would be happy to use his services again. I definitely would give him 10 out of 10. Peter & Lee Hiang Wilson

Adviser - Michael Sugiandi
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Michael Sugiandi

Suite 1, Level 1/51-57 Seymour St, Ringwood VIC 3134, Australia
Phone: 0413*** 392