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Smart Lending - Mortgage Brokers

Smart Lending - Mortgage Brokers

5.0(290 reviews)See reviews ↓·Melbourne

About the company

Smart Lending is a mortgage broking business founded in 2003 by Melissa Gielnik, who serves as managing director. The business has over 23 years of industry experience and is based in Melbourne. It provides mortgage broking services including home loans, investment loans, first home buyer support, refinancing, debt consolidation, guarantor loans, business and commercial loans, SMSF lending, and car and asset finance. Smart Lending works with over 40 lenders.

What customers say

Based on genuine customer reviews

Docklands mortgage lending handled by this team centres on first home purchases, refinancing and loan consolidation, and clients return to describe how smoothly those transactions unfold. Named staff including Courtney, Melissa and Emma draw frequent praise for explaining each stage clearly and staying contactable before and after settlement, which helps buyers feel comfortable with substantial financial decisions. Quick responses and fast turnarounds recur across the accounts, with a first home loan secured inside a day and a settlement completed without difficulty.

A point made in several accounts is the way tricky situations, such as refinancing and consolidations, were sorted out once initial hurdles appeared, alongside competitive rates and realistic budgets. Reviewers value the readiness of staff to attend an auction with a client and to offer guidance stretching past the immediate application. Repeat business is common, with people returning for second and third loans and sending family members their way. The steady service maintained over multiple transactions, paired with the down-to-earth manner of the brokers, shapes the impression these accounts leave behind.

Mortgage lender
Smart Lending - Mortgage Brokers — Customer photo

Reviews

Reviews are taken from publicly available sources.

AK
Ashlyn Kelly8 July 2026

Smart Lending are an amazing company, and I couldn't recommend them more! The team is incredibly knowledgeable, experienced, and made the whole process feel so much easier. Courtney was fantastic. She was supportive, approachable, and always happy to answer our many questions. Her communication was excellent, and she guided us through every step with patience and professionalism. We truly felt supported from start to finish. Thank you, Smart Lending and Courtney, for making our home-buying journey such a positive experience!

MC
Michelle Creed1 July 2026

Melissa and the smart lending team have never let us down. Through initial property purchases, investments and refinancing, everything has been handled with professionalism and efficiency. Would absolutely recommend their services.

RB
Rachel Bick9 June 2026

Courtney, Mel, Emma and the team at smart lending are absolutely amazing. So knowledgeable, great prompt communication and work out most affordable rates and realistic budget . Settled 5 days ago with absolutely no issues due to these amazing mortgage brokers! Third time using and can’t be faltered !

KC
Kelly Cardona3 June 2026

Thank you to Melissa, Courtney, and the entire Smart Lending team for making our refinancing process so smooth and stress-free. We truly appreciate the extra effort, support, and communication provided throughout the journey. We have used Smart Lending on multiple occasions, and every experience has been positive. The team consistently delivers exceptional customer service, professional advice, and a seamless process from start to finish. We highly recommend Smart Lending to anyone looking for reliable, friendly, and knowledgeable lending specialists. Thank you again for your outstanding service! 😊

PD
Peter Dunne12 May 2026

A more accommodating broker you would never find. Clued in to the best rates and nothing is too much trouble. They have achieved results for me on two occasions, both of which were difficult and I would have no thought of going anywhere else. I dealt with Courtney, Melissa and Emma and they did more than just secure the loans, they provided all sorts of advice and assistance that was not part of their remit. A very competent organisation and very caring individuals.

HG
Hans Gubbins2 May 2026

We have had the lovely experience of dealing with the ladies at smart lending twice now. They truly go above and beyond & are so generous with their time and commitment to you. We would never even consider going anywhere else recommended them to everyone we know. Thank you for being the best in the business

EM
Ethan Micallef9 April 2026

Was recommended by my brother to use this company to help me get into my first home like he did, and We couldn’t have asked for a better experience with them! Courtney Watson and the team were absolutely incredible throughout the entire process. She was everything we could have asked for extremely helpful, professional, and always available whenever we had questions or needed guidance. She truly went above and beyond to make sure we were comfortable and informed. Highly recommend Courtney to anyone looking for top-tier service! she was always available and even went out of her way to answer late-night emails when we were stressed or had urgent questions. She took the time to patiently explain all the complex paperwork, making a confusing process feel simple and manageable.

Mortgage brokers in Melbourne compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 12 businesses in this category in Melbourne are compared.

RankProviderRatingReviewsOpen Sat.
1Finspo – Mortgage Broker★ 5,0493Yes
2Loan Market Port Melbourne★ 5,0463No
3Top One Finance★ 5,0330No
4Smart Lending - Mortgage Brokers (this page)★ 5,0290No
5Home Loans Fast - Mortgage Broker Melbourne★ 5,0251No
Contact
+61387462354www.smart-lending.com.au696 corner of Bourke and, Spencer St, Docklands VIC 3000
Working hours
Monday09:00–17:00
Tuesday09:00–17:00
Wednesday09:00–17:00
Thursday09:00–17:00
Friday09:00–17:00
SaturdayClosed
SundayClosed