Rod Holt – Personal Mortgage Adviser

Mobile: 0412 350 632

I have lived in the South West for over 19 years. I thoroughly enjoy helping South West locals, people from all across the country and even overseas, achieve their financial goals.

I have over 30 years of experience in the banking and lending industry including 15 years as a Mortgage Broker. I pride myself on providing professional, ethical and honest advice with the highest level of customer service to all of my clients.

Whether you are purchasing your first home, building a home, looking to renovate, buying commercial property, investing, or refinancing an existing mortgage, my role is to find the most suitable product for your particular circumstances.

To me, being a great mortgage broker is more than just having great industry knowledge. It’s about listening to you, taking your plans and future goals into consideration, then helping you to make an informed decision on the loan that suits your individual needs.

It’s true that the loan process can be complex, time-consuming, and stressful. My goal is to ease this burden by making it simple and straightforward.

My longstanding relationships with lenders are extremely helpful when it comes to negotiating competitive rates or dealing with challenging situations. I will always go into bat for you as my client – you are my number one priority.

I feel incredibility fortunate to have so many ‘lifelong clients’ who continue to turn to me for advice, often many years after our initial meeting. Clients who refer their entire family, their children and even grandchildren to me. It’s a privilege and an honour to have someone place this level in trust in you, and I work hard to ensure that I deliver outstanding results for each of my clients.

I have also won numerous awards since becoming a broker. This year I was honoured to receive the following Smartline awards; “Client Care Award”, “WA Franchisee of the Year Award” and “High Achievement Awards.”

All of these achievements, as well as the trust placed in me by my clients, makes me confident that I provide an outstanding Mortgage Broking Service.


Chanae Coughlan mortgage brokerChanae Coughlan  – Personal Mortgage Adviser


If professionalism, integrity and impeccable customer service are what you seek in a mortgage adviser, Chanae Coughlan is the right adviser for you. Chanae prides herself on being attentive and respectful, and really listening to her clients so she can accurately determine their borrowing needs and expectations.

“I place very high importance on being open and transparent with clients – this is the foundation for trust and the building of long term relationships,” says Chanae.

She is highly knowledgeable on the wide variety of lending products available, and ensures she keeps up to date on new products coming onto the market. Her background as a Credit Analyst means she has a thorough knowledge of the credit assessment process, including how to structure deals to best suit her client’s needs and how best to present them to lenders.

“I’m about ensuring the loan fits perfectly into my client’s overall financial situation and goals,” says Chanae.

Chanae is happy to help all borrowers, particularly first home buyers. Based in Dunsborough in WA, she is fully mobile and services primarily the South West region of WA.

Dave Gaynes Mortgage BrokerDavid Gaynes – Personal Mortgage Adviser


I have come to Smartline to continue my Finance Broker career after having served a 10 year tenure with another leading mortgage aggregator, which commenced back in 2006. Prior to this, I was with the Royal Australian Air Force where I spent over 18 years in  finance and administration. I have a Diploma in Financial Services and a Certificate IV in financial planning.

Smartline Bedford is the latest office in Rod Holt’s Smartline broking business, and has been opened to assist the financial needs of Perth based clients.

I can help with a range of finance requirements including residential and investment property lending, commercial and business loans, vehicle and equipment finance and unsecured personal loans.

I relish helping my clients fulfill their dreams and aspirations, whether it be buying their first home or investing in their future. It’s a very important, exciting and sometimes stressful time when buying a property. Therefore my main goal is to ensure I make the whole process as easy as possible for my clients.

I make sure I understand my client’s current financial position, and then recommend lending options that will meet their needs. I like to provide my client a pleasant, simple and stress-free consultation experience.

I look forward to being able to serve both past and future clients’ needs as they arrive.

Shane Galbraith – Personal Mortgage Adviser


Shane is a passionate mortgage adviser who is dedicated to exceeding customer expectations. Professional, friendly and trustworthy, Shane always puts his clients first, going above and beyond to ensure a seamless borrowing process.

“I am available any time to discuss concerns or queries and I keep in regular contact with my clients,” he says. “I make sure they know exactly where their application is at so there’s no confusion. I really aim to take the stress out of borrowing,” he says.

Shane places high importance on being open and transparent; “this is the foundation for trust and the building of long term relationships,” he says.

With extensive experience in real estate, Shane is extremely knowledgeable in all aspects of buying a property, from start to finish. He can assist all borrowers – from first home buyers to investors to those wanting to refinance.

“Being a great broker is all about understanding what the client needs, so that the product chosen matches their lifestyle and financial position,” says Shane. “I pride myself on being able to get this right every time, by being approachable and ensuring clients can talk to me about their financial needs and goals.”

Shane services the Margaret River region in WA and beyond.

Andrew Bromley Mortgage BrokerAndrew Bromley – Personal Mortgage Adviser


Andrew is a multi-award winning mortgage adviser who is both personable and professional, with an outstanding knowledge of the lending products, structures and various bank policies across the industry.

Solving problems is Andrew’s speciality. He is adept at looking at all the pieces of the puzzle and persevering until a solution is found.

“People’s circumstances change and their financial situation is not always straightforward. On top of this, lending restrictions and bank policies can change from one month to the next so it’s critical that brokers can adapt. I am always on top of the market and make sure I know my clients situation fully, so I can choose the right lender for the particular combination of circumstances. I am not someone who gives up easily!”

Andrew can assist with all lending needs, from home loans and personal loans to asset finance, short term business lending and commercial lending.

“I will always go the extra mile to get your loan approved. If I have to chase lenders or agents, I will. If I need to negotiate with the banks, I will.”

Trust and mutual respect is important to Andrew, and he always delivers a professional and highly efficient customer service.

“I see the relationship as a partnership. We will discuss your financial circumstances and your goals, and I’ll provide you with a range of suitable solutions and ensure you are making financially sound, informed decisions. I’ll always keep you up to date on the progress of your application, making sure it proceeds as planned by keeping tabs on the lender. The end result is the appropriate loan with a competitive rate.”

Andrew is also focussed on your long term plans and will always ensure he finds a loan solution that takes into account your future needs and objectives. He will keep in touch with you after settlement to check you are still getting a competitive rate and the right lending solution for your needs.

Based in Dunsborough in WA, Andrew is fully mobile and happy to assist borrowers anywhere.

Gai Boyland – Client Services Manager


Gai joined the team at Smartline Dunsborough (formerly The Mortgage Gallery) in June 2015 as Personal Assistant to Franchise owner Rod Holt. Gai has in excess of 30 yrs experience in the financial services industry. Prior to joining us she served with Bankwest for 17 years climbing through the ranks from Teller in Kondinin to Business Banking Manager in Margaret River.

Gai’s financial service skills combined with her branch experience gives her a solid foundation of customer service that compliments the Smartline Dunsborough Team. Gai enjoys the challenge of serving the needs of our clients and working as part of the Dunsborough team. She is an enthusiastic, valuable and committed member of the team.

Gai is a local girl, an avid West Coast Eagles supporter and a besotted Grandmother of 2.

Ali Holt Mortgage BrokerAli Holt – Manager and Administration


Alison Holt commenced working with Smartline (formerly The Mortgage Gallery) in August 2006 with the launch of the Margaret River franchise. Ali (as she is better known) had previously worked in Pharmacy Retail for over 20 years and hence has a wealth of customer service experience. She decided to take a new challenge into office administration when she commenced with The Mortgage Gallery.

Ali’s role has several facets, the main being office manager controlling the financial accounts, marketing and advertising activities, office receptionist and assisting Rod manage his day to day work load.

Ali looks forward to meeting customers and assist them achieve their financial goals.