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

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
14 May 2019

Megan F

Sally is the third mortgage broker I have dealt with and I was so impressed by her level of knowledge, ability to explain things to me and answer my questions. She also seems to operate more ethically than other brokers I have dealt with. I have and will continue to recommend her to friends.

Mortgage Broker - Sally Richards
26 April 2019

Shima Dadkhah M


Mortgage Broker - Sally Richards
23 April 2019

Ruth C

Sally is a consulate professional and always fantastic and reliable to deal with, couldn’t recommend her strongly enough.

Mortgage Broker - Sally Richards
23 April 2019

Helen D


Mortgage Broker - Karen Smart
8 April 2019

Craig P

In a time when brokers are in the headlines, Sally proved the value a good broker can bring to the table. We were buying a unique property before we had sold our own which was always going to be challenging but with Sally’s help we were able to make it all line up and now we are enjoying our piece of paradise.

Mortgage Broker - Sally Richards
2 April 2019

Vanessa T

Sally took the time to understand my needs, and demystified the mortgage process – allowing me to make informed decisions about my options. She and her team were responsive and when settlement began with a gap in notifications from a third party, they went above and beyond to ensure the work was completed in time. I’m grateful for their expertise and assistance.

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