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

14 June 2020

Jan-hendrik M

Karen’s and Smartline’s support were the key to success – and went much beyond the professional advice on loans. We felt (and feel) more like friends than clients! Thanks so much!!

Mortgage Broker - Karen Smart
18 May 2020

Tania P

I was very happy with Sally’s advice and guidance during my loan application process (considering delays with COVID19). Would happily contact Sally for any future lending needs.

Mortgage Broker - Sally Richards
17 May 2020

Catherine N

Sally and Karen were so great.

Mortgage Broker - Sally Richards
12 May 2020

Lauren Di S

Sally and Karen were fabulous! They are both incredibly knowledgeable, detailed and very down to earth in their communications to us. We can’t fault their support throughout this entire process and look forward to recommending them to others!

Mortgage Broker - Sally Richards
5 May 2020

Bianca H

Sally and Karen made the entire process of finding the right loan and purchasing a new property so much easier and less daunting. Approachable and easy to reach; they always came back quickly on any questions we had. Would highly recommend to anyone!

Mortgage Broker - Sally Richards
10 April 2020

Jason H

Fantastic service from the team. I have now used them twice. Keep up the great work Karen and Sally

Mortgage Broker - Sally Richards
9 April 2020

Alexandra M

Continued exceptional service. For over 10 years, Sally has been someone we can count on to help navigate the overly confusing world of mortgages. Sally and also now Karen are invaluable to us and we can not thank them enough.

Mortgage Broker - Sally Richards
7 April 2020

Elise S

Sally (and Karen) were absolutely fantastic. Responsive and supportive in helping us find the best loan. They were then available to take us through every step of the process. We could not recommend them any more highly.

Mortgage Broker - Sally Richards
3 February 2020

Jennifer L

Sally is always very prompt and helpful which we really appreciate!

Mortgage Broker - Sally Richards
25 January 2020

Mathew M

Karen is a delight to deal with and we really appreciate the ongoing commitment and relationship beyond the initial loan settlement. She has helped to save us $8000 pa by having our loan reviewed after only 12 mths from initial settlement. so happy to have Karen and Smartline on our team!

Mortgage Broker - Karen Smart
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
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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