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Meet our exceptional team.

Not all mortgage brokers are created equal. Our holistic approach to lending, accounting and financial planning means we bridge the gap in the client experience, eliminating the frustration from delays that are often inevitable with multiple stakeholders involved in the lending process.

Our mortgage brokers offer the advantage of having of an accounting and financial planning background, meaning we’re looking at your figures with a strategic mind. We will ask you more questions and we’ll go deeper in our process.

Why? So that you end up with a loan that offers longevity. A loan that suits your lifestyle and your budget. A loan that minimises the need to refinance again in a short time frame - avoiding a stressful and often costly exercise on both your time and money.

We are proud of our Smart Mortgage & Lending culture that thrives on continued learning to keep at the forefront of current developments in financial planning, tax law, business development, superannuation, software technology and other professional services through our weekly training sessions.

Meet Emma, our loan-processing powerhouse with a love for yoga, cricket, and adventure. When she’s not keeping loans in check, she’s soaking up live music, braving ocean swims in any weather, or planning her next foodie-fuelled getaway. A die-hard Richmond Tigers fan, she brings the same energy - fierce and fun!


Emma Harris

Meet Marcia, our Client Relationship Dynamo. She's the queen of big family fiestas and baking sweet treats. With her faithful sidekick Luna the Border Collie, they conquer new terrain in the great outdoors. On the weekends, she's the cheerleader for her three awesome girls. With a heart of gold, Marcia generously shares her time volunteering at school.

Marcia Torcasio

Zoe brings the zen to our team with her unmatched calm and friendly energy. Is a whiz at baking macarons. Balances her baking prowess by hitting the gym or weekend hiking. Has her sights set on travelling the road less travelled before buying her first home.

Zoe Dunne

Introducing Brielle, our Operations Maestro and self-proclaimed furbaby minion. Bleeds yellow and black for Richmond, never met a wine she'd turn down, and spends sunny days mastering the art of being a true beach bum. Flips houses in her spare time turning dull spaces into dazzling gems.

Brielle Harris

Is a Marketing Manager obsessed with typography. The right-brained thinker amongst a sea of analytical left brainers. Loves a colour clash. Would rather never drink coffee than drink a bad one. Enjoys spending weekends cooking and entertaining with friends. Often found playing soccer with her two sons or training for her black belt.

Vivienne Bethune

Fhei Mendiola is a marketing and admin afficionado with a penchant for organizing events of all kinds. Keen on a spreadsheet to get all the boxes ticked. A baker and food lover, enjoys whipping up Indian and Arabic dishes, yet balances her culinary indulgences with a healthy dose of exercise. Loves spending time at the beach with her kids.

Fhei Mendiola

Meet Tyra, our cheerful and charismatic Client Services Assistant. When she’s not greeting clients with a sunny smile, she’s flexing her strength—both in the gym and in the kitchen! A sun-loving traveller, Tyra’s camera roll is filled with dreamy holiday pics. She proudly backs Essendon (a family tradition thanks to her die-hard dad) and dreams of one day adding a cat to the clan.

Tyra Atkins


What our
clients say

As a first home buyer in unfamiliar territory, I came up against several brick walls. I had initially engaged another broker that made borrowing promises that, eventually, just couldn’t be delivered. With only two days to go until the property deal fell over, I was stressed and anxious. I was referred to Smart Mortgage & Lending by my boss. They helped me secure the First Home Loan Deposit Scheme saving me over $5K in lenders mortgage insurance plus a further $15K in stamp duty. I couldn’t believe how they were able to turn my situation around. Their incredible support and relationships were the key to pulling it all together, enabling me to purchase my first home.

Kayla, VIC
First Home Buyer