Smart Lending - Mortgage Brokers

Smart Lending - Mortgage Brokers We pride ourselves on one-on-one service from the first phone call to settlement and beyond, we work with you, for you.

Award Winning Mortgage Brokers 🏆

2026 Best Boutique Non Franchise Office | 2025 Best Residential Broker - 2024 Best Customer Service Office ⭐️

Refinance | Investor | Commercial | Purchase | Personal & Car Loans Find out why we’re an AFG award winning lending team. Melissa Gielnik

Melissa is a passionate AFG broker backed by more than 12 years’ experience in the mortgage and finance industry. M

elissa holds a Bachelor of Business in Applied Economics, Diploma in Financial Services and an Agents Representative License in Real Estate and in December 2013 was elected to the MFAA State Council in Victoria. Throughout her career Ms Gielnik has gone from strength to strength winning the MFAA 11th Annual Excellence Awards, in the sought-after category of “Mortgage Credit Adviser of the Year 2014”

One of the top female brokers in the industry her achievements over the past 24 months include securing a finalist positions in the MFAA excellence awards 2013, the Australian Broking Awards 2013, position’s in both The Adviser’s Elite Business Writer’s Ranking and MPA’s Top 100 Brokers List. While Melissa manages to write impressive volumes year in year out her desire to write good volumes and grow her business always falls second to her desire to help borrowers achieve their dream whether it be home ownership, property investment or a wealthy retirement. Melissa is committed to going that “extra mile”, planning and guiding her clients so that they can get into their dream home sooner.

🏡 Thinking about buying your first home but not sure where to start?The process can feel overwhelming, but taking a few ...
02/06/2026

🏡 Thinking about buying your first home but not sure where to start?

The process can feel overwhelming, but taking a few simple steps before you start house hunting can make a huge difference.

✅ Know your budget
✅ Save your deposit
✅ Check your credit file
✅ Understand what grants and schemes may be available
✅ Get pre-approval

The more prepared you are, the smoother your home buying journey will be.

Whether you’re planning to buy in the next few months or just starting to explore your options, having a strategy can help you get there sooner.

📩 Send us a DM with “FIRST HOME” or comment 🏡 below and we’ll help you understand your borrowing power and next steps.

26/05/2026

POV: You wouldn’t trust Dr Google to diagnose chest pain… so maybe don’t trust a random online calculator to tell you what mortgage you can get either 😂🏠

Your home loan is probably the biggest financial decision you’ll make — a quick online form can’t understand your goals, situation, or save you from expensive mistakes.

Thinking about buying your first home or refinancing? Send me a DM with “REVIEW” and let’s see what options are actually available to you 👇

This week, some lenders have made moves to remove negative gearing from servicing calculators! We did the math and in so...
22/05/2026

This week, some lenders have made moves to remove negative gearing from servicing calculators!
We did the math and in some instances your borrowing capacity could reduce by 20%!

Tell us your thoughts below 👇🏼

BUDGET TERMS, MADE SIMPLE 👏🏼The Federal Budget has been a hot topic this week and here at Smart Lending, we LOVE to educ...
14/05/2026

BUDGET TERMS, MADE SIMPLE 👏🏼

The Federal Budget has been a hot topic this week and here at Smart Lending, we LOVE to educate and explain what these complicated and often misunderstood terms actually mean! 🤓

Swipe to find out what Grandfathering, Capital Gains Tax and Negative Gearing mean!

05/05/2026

The RBA have again increased rates by 0.25%, bringing the cash rate to 4.35%!

Listen to hear thoughts and how the rate rise affects you!

30/04/2026

Inflation is moving again and it matters more than most people realise right now 📊✨

We have just seen an increase of 0.9% and while it may sound small, the ripple effect is what impacts the economy and your mortgage 🏡

So why is inflation rising?

Government spending is increasing demand 💸 Housing supply remains tight 🏗️ Fuel costs are higher ⛽ and global tensions like the conflict involving Iran are adding pressure to energy markets 🌍

When inflation rises, interest rates often follow 📈 And when rates rise, your borrowing capacity can reduce, meaning what you could borrow yesterday may not be the same tomorrow

So what do you do?

Fixed rates can offer certainty and stability 🔒 If you want consistent repayments and peace of mind, especially with limited surplus cash flow, fixing can be a smart move 🤍

If you have flexibility and want to ride potential future changes, variable may still suit your strategy 📉

There is no one size fits all. It comes down to your position, your risk tolerance and your goals 🎯

Understanding the market is step one. Making the right move for you is where the power is 💭✨

23/04/2026

Mortgage myths busted 👇

Listen on as our Managing Director, Melissa, explains what’s actually true when it comes to home loans, borrowing, and what the banks don’t always tell you.

Simple, clear, and here to help you make confident decisions 🏡

23/04/2026

Not sure whether to go fixed or variable with your home loan? 🤯

Here’s the deal:
🔒 Fixed = predictable repayments, no surprises
📈 Variable = flexibility, but can change with the market

Each has pros and cons and the best choice depends on your goals and situation. That’s where we come in 💡 Contact Smart Lending today to find the right option for you 🙌🏼💬


We love a good client success story here at Smart Lending! 🏠 Ethan & Allyra came to us in January and thought they were ...
23/04/2026

We love a good client success story here at Smart Lending! 🏠

Ethan & Allyra came to us in January and thought they were 12-18 months away from purchasing their first home!

We were able to get them pre-approved quickly and they purchased their first home in March and moved into their home last week! 👏🏼🥳

You are more than likely closer to getting into the property market than you think! 💭

If you are looking to buy your first home, contact the team at Smart Lending today! 📞

Address

696 Bourke Street, Corner Of Bourke And Spencer St
Melbourne, VIC
3000

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61387462354

Website

https://calendly.com/smart-lending

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