Mortgage Brokers Malvern East and Wantirna

Sally Richards & Karen Smart

Sally Richards’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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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

17 December 2018

Mathew M

Karen was a pleasure to work with right from the beginning. She put us at ease, gave us the confidence in her and the available solutions that could work for us. We were always informed of what was happening/what was required every step of the process. Karen also ‘surprised’ us in a good way by way of discussing long term options beyond just the initial refinance being done. We appreciated that we were entering into a long term relationship, not just a one off transaction.

Adviser - Karen Smart
13 December 2018

Katherine B


Adviser - Sally Richards
9 December 2018

Michael M

At a time when banks are belatedly and appropriately being stricter with home loans, it is very important to have someone on your side to advise and navigate through the changing conditions. I’m confident Sally Richards got us the best deal available, which also was the loan we needed. Before, during and after the process of buying our house, having Sally and Smartline in our corner made the whole process faster, more efficient, less stressful and more successful. I can’t recommend Sally more highly.

Adviser - Sally Richards
26 November 2018

Bronwyn F

My experience was excellent. Sally was very informative and kept me updated during the loan process. I found both Sally and Karen to be very helpful, supportive and available. Thank you.

Adviser - Sally Richards
1 November 2018

Craig P


Adviser - Sally Richards
3 October 2018

Sean W


Adviser - Sally Richards
25 September 2018

Simonne W

Sally is completely professional and makes home financing easy!

Adviser - Sally Richards
25 September 2018

Kathleen E

I was particularly impressed that Karen was right on top of the interest rate increase on the first day of my loan, and took it upon herself to advocate for me and get a great outcome for me. Having spoken to other people since then who did not received such personal service, I am very grateful for Karen’s support. Thanks!

Adviser - Karen Smart
2 September 2018

Samuel B

Thank you very much!!

Adviser - Sally Richards
19 August 2018

Travis T

Fantastic! Thanks so much.

Adviser - Sally Richards
29 July 2018

Andrew C


Adviser - Sally Richards
12 July 2018

Thomas P

Both Sally and Karen were most helpful on all issues. They quickly had or obtained answers to all our questions. They are obviously well connected to a great bunch of people who support each other to make sure the process went as smoothly as possible for us.

Adviser - 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