Mortgage Brokers Malvern East and Wantirna

Sally Richards & Karen Smart

Sally Richards’ 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.


Sally and Karen have an enormous breadth of knowledge and finance experience, giving them a unique understanding of the lending industry, its products and policies.

They are passionate, approachable, trustworthy brokers who strive to provide an outstanding customer service each and every time. They are committed to building long term relationships with their clients, who always remain their number one priority.

They offer a mobile service in the Melbourne metropolitan area.

Call Smartline's Sally today on 0419 049 445 and Karen on 0405 539 750.


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

30 December 2019

Alexandra G


Mortgage Broker - Sally Richards
2 December 2019

Nicole A

Karen Smart was very professional, prompt and incredibly supportive during the entire process. I would highly recommend Karen to family and friends.

Mortgage Broker - Karen Smart
12 October 2019

Noel F

Sally and Karen persisted in the conversion of my interest only portfolio loans with BOM to P&I and answered any queries along the way. I knew I was in good hands with them. Thanks

Mortgage Broker - Sally Richards
8 October 2019

Michael G

Sally Richards and Karen Smart were a tremendous help to my wife and I throughout the process of choosing an appropriate home loan. They were always available via phone and email, and were very patient in explaining every step of the process, including the documentation required for pre-approval and the forms that had to be filled out to finalise the loan after we had purchased a property at auction. Without Sally and Karen’s assistance, we would still be searching for our dream home! Kind regards, Michael

Mortgage Broker - Sally Richards
3 October 2019

Lisa W


Mortgage Broker - Sally Richards
28 August 2019

Trevor B

Sally Richards was amazingly helpful and genuinely very friendly and Understood my position and wanted to see me achieve the best outcome. I thank her for her outstanding assistance.

Mortgage Broker - Sally Richards
18 August 2019

Alexandra M

I have left many reviews for Sally (and now Karen) over the years. I wish I had more friends or family looking for a home loan or such things as I would recommend Sally to all of them. The biggest thing I have gained over the years of working with Sally is trust. While the home loan industry is ever changing and so confusing, I know I can trust Sally to help guide our decisions and get the best outcomes for our situation. Could not be happier!

Mortgage Broker - Sally Richards
6 August 2019

Travis K

Very friendly, responsive, professional and helpful. Very impressed. Will recommend to friends.

Mortgage Broker - Sally Richards
29 July 2019

Lisa R

Sally and Karen were so helpful in every aspect of the process. We would have been lost without them!

Mortgage Broker - Sally Richards
19 July 2019

Benjamin Z


Mortgage Broker - Sally Richards
13 July 2019

Kathryn C

Karen was always contactable, keeping us informed throughout the loan process. She took care and made it so easy for us. The added touch of sending a thank you hamper was above and beyond. Highly recommend her and Sally

Mortgage Broker - Karen Smart
1 June 2019

Jacqueline M

Sally is quick to respond explains all elements clearly and works as quickly as the banks will allow Thanks Sally Jacqui

Mortgage Broker - Sally Richards
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Meet the Team

Sally Richards

Personal Mortgage Adviser
Mobile: 0419 049 445

Karen Smart

Personal Mortgage Adviser
Mobile: 00405 539 750

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Contact Sally Richards & Karen Smart

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Sally Richards & Karen Smart

Malvern East VIC 3145, Australia
Email: or
Phone: 0419*** 445