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.

⭐️⭐️⭐️⭐️⭐️Nothing makes us happier than helping our clients achieve their property goals and hearing feedback like this!...
20/06/2026

⭐️⭐️⭐️⭐️⭐️

Nothing makes us happier than helping our clients achieve their property goals and hearing feedback like this!

A huge thank you to Clinton for trusting Melissa and the Smart Lending team throughout the process.

💬 “Simply the best in the business. Melissa and her team are professional and easy to work with. Highly recommend!”

Whether you’re:
🏡 Buying your first home
🔄 Refinancing your existing loan
📈 Building your investment portfolio
💼 Looking for a commercial or SMSF loan

Our team is here to make the process simple, stress-free and tailored to your goals.

Thank you for your support, Clinton! 🙌

📩 Thinking about your next property move? Send us a DM or contact our team today for an obligation-free chat.

🚨 Your lender is hoping you never ask this question… “Am I still getting a good deal?” 👀You might be paying more than yo...
18/06/2026

🚨 Your lender is hoping you never ask this question… “Am I still getting a good deal?” 👀

You might be paying more than you need to.

Many Australians set up their home loan and never look at it again. But lenders regularly change rates, policies and products, which means your current loan may no longer be the best fit for your needs.

A refinance review could potentially help you:

✅ Reduce your repayments
✅ Access equity for renovations or investments
✅ Consolidate existing debts
✅ Improve your overall cash flow

The best part? A review doesn’t automatically mean switching lenders. Sometimes it’s simply about understanding your options and making sure your loan is still working for you.

📩 Comment “REVIEW” or send us a DM for a FREE Home Loan Health Check and let’s see if your mortgage is still working for you!

14/06/2026

The RBA meets this Tuesday.

Are interest rates at their peak?

Will rates hold, go up or come down?

An incredible evening at the 2026 MFAA Excellence Awards hosted at the Ritz-Carlton 🏆✨While we didn’t bring home a troph...
05/06/2026

An incredible evening at the 2026 MFAA Excellence Awards hosted at the Ritz-Carlton 🏆✨

While we didn’t bring home a trophy this year, being recognised as finalists for Best Customer Service Office and Best Residential Broker is an achievement we’re incredibly proud of.

A huge thank you to Courtney and Emma for representing Smart Lending on the night, while Melissa cheered us on from afar. 💕

Awards or not, we’re proud of the impact our team makes every day through exceptional customer service, genuine client relationships, and helping Australians achieve their property goals.

Congratulations to all the finalists and winners, and a special congratulations to all the winners on the night for their outstanding achievements ✨

Thank you to the MFAA for bringing together so many outstanding professionals from across our industry. Here’s to continuing to raise the bar in 2026 and beyond. ✨

🏡 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 💭✨

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

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