Smart Financial Lending is your local and trusted mortgage broker, offering a range of lending services designed to simplify your property purchase journey.

Smart Financial brings a wealth of experience and support from our strong history in financial planning and accounting, providing mortgage brokerage services that consider your property goals, now and into the future.


Your Local Broker

Smart Financial has been working with individuals and families across the Illawarra for over 16 years, guiding them toward financial freedom and wealth creation. 

Our mortgage brokers work closely with you to understand your goals, and how best to structure your loan to suit your lifestyle.

No matter the stage of your loan journey, Smart Financial is your guide. Whether you’re dreaming of homeownership, seeking to unlock equity, or simply want a better rate, explore your options with us.

We prioritize understanding your unique needs and goals. This personalized approach ensures we find the perfect loan, not just the lowest rate. Flexibility and easy access to equity are crucial for many, and we consider these factors alongside your long-term plans.

Why choose us?

Local - An Established Team with a Regional Focus

We have a deep understanding of the Illawarra property market and its lending landscape. Our team lives and works here, just like you, and is passionate about helping our community achieve their financial goals.

Tailored Solutions - Built Around Your Financial Goals

We don’t believe in one-size-fits-all solutions. We take the time to understand your unique financial situation, goals, and aspirations to find the perfect mortgage product that fits your needs.

Convenience - A Simple and Straightforward Process

We handle all the paperwork and legwork, liaising with lenders on your behalf to save you time and stress. You can focus on finding your property while we ensure a smooth and efficient loan application process.

Competitive Rates - Make the Smartest Choice For Your Situation

We have strong relationships with a wide range of lenders, which allows us to negotiate competitive interest rates and flexible terms on your behalf. We can also advise you on the best rate for your situation.

Partnership - Your Trusted Adviser

Our commitment to you doesn’t end at settlement. We provide ongoing support throughout your loan term, ensuring you make informed financial decisions and stay on track with your goals.

Let’s talk about your financial goals

Contact us
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