Sally Richards & Karen Smart

Mortgage Brokers Malvern East and Wantirna

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 (Referred to third party)
  • Car finance
  • Asset finance
  • Business equipment finance
  • Commercial property finance
  • Business loans
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Meet the Team

Sally Richards

Personal Mortgage Adviser
Mobile: 0419 049 445

Karen Smart

Personal Mortgage Adviser
Mobile: 0405 539 750

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Client Reviews

Mortgage Broker: Karen Smart
31 March 2021

Review by Josephine M

Karen was extremely helpful in assisting me to secure finance to build my dream home. Karen’s communication is excellent and she she explained each step of the process and was always available to answer any questions. Thank you Karen & Smartline.

Mortgage Broker: Sally Richards
13 March 2021

Review by Jamie D


Mortgage Broker: Sally Richards
1 March 2021

Review by Robert P

Overall it was a good service. Our adviser was responsive and helpful. The advice on a loan solution was excellent but some of the details around supporting us through the steps in the settlement process could have been improved.

Mortgage Broker: Karen Smart
2 February 2021

Review by Anne-marije B

Karen Smart was great to work with and organised all the expertise and support around me to make the process a smooth as possible. Karen responded super fast to my requests and emails. Can’t recommend her highly enough!

Mortgage Broker: Sally Richards
1 February 2021

Review by William M

Dealing with Sally and Karen was a seamless experience. Knowledgeable, quick to respond, listened to our requirements and managing our expectations very well. Would not hesitate to use them again.

Mortgage Broker: Sally Richards
21 January 2021

Review by Glenn S


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Sally Richards & Karen Smart

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