Smartline Mortgage Advisers Franchise

Financial Services

Smartline is a multi award winning mortgage broking advisory business. Our client care program matches the needs of a client with the best available lending products provided by a panel of +27 Banks, Building Societies and Credit Unions. These lenders pay Smartline brokers both an upfront commission and a trailing commission for the introduction of new borrowers. The trailing commission provides a passive income stream and becomes a substantial business asset as the base of clients grows.

topfranchise Award Highlights

#1 franchise Overall on
#1 franchise in Passion on
#1 franchise in Support on
#2 franchise in Lifestyle on
#2 franchise in Marketing on
#3 franchise in Expansion on
Financial Services
Business Established
Units / Locations
FCA Member
Multi-Unit Ownership Allowed
Agreement Terms
Five years plus five year renewals.
Last Surveyed
August 2017
Participation Rate

Initial Investment

$13,000 + $6,000 mentoring (required if new to lending) + Operating Capital.


One week induction course, 6 months business coaching and ongoing professional development, 24 month MFAA accredited mentor program, regular regional meetings, quarterly state meetings, plus annual national conference.

Marketing Support

Extensive marketing services are provided by a dedicated team, including website, newsletters, competitions, magazines and email campaigns for $100 per month after initial 12 months. This amount is matched by franchisor.


Top Franchise - #1 Franchise 2016, 2015, 2014, 2013, 2012, 2011, 2010 & 2009; MFAA Mortgage Broker Group of the Year 2014, 2011, 2007; AMA Mortgage Broker - Franchise Operation of the Year 2010, 2009, 2006.

Business Model

Personal Mortgage Advisers, 85% of Smartline's clients are generated via referral. Average client satisfaction rating is now 9.6 out of 10 (Through Smartline's internal client satisfaction surveys)

Main Cost

Rent (if not working from home), Transportation, Communication

Main Products or Services

Residential mortgages, Commercial mortgages, General insurances Vehicle & Equipment Finance

Future Plans

The mortgage broking industry is currently undergoing a lender driven change that favours brokers who provide quality loan submissions. We have focused on building a team of highly trained, highly respected and productive mortgage brokers over the past 16 years. As a result Smartline is viewed as an industry leader and our single minded approach to quality is paying off. Smartline aims to expand to 330 quality franchise owners (from 295) by this financial year. If you believe you have the talent to enter mortgage broking, we would like to hear from you.


I love the support this franchise offers, it's second to none, the friendliness of other franchisees, the software ... Just a great place to be.

Steve Long, Coffs Harbour, NSW

The culture of Smartline is terrific. Everyone in the head offices around Australia goes out of their way to provide assistance to franchisees and to each other. I have previously referred friends to Smartline.

Ian Kilpatrick, Kenmore, QLD

Smartline is a great Franchise to own which is growing its name rapidly in the market. What I also like about Smartline is we have a great bunch of people / franchisees within Smartline who are true professionals and at the same time very personal also. From the outside it appears that Smartline keeps its advisers' standards at a very high level which is fantastic.

Amit Aryal, Brisbane, QLD

First of all, as a franchisee I am given all the support, tools and resources I need to succeed. The Smartline system is also very easy to use when submitting loans to lenders, not to mention whenever you face any difficulties the technical is always there to help. The culture at Smartline together with the great leadership and management within the organisation ensures all franchises succeed.

Jones Agyei, Canberra, ACT

We have a strong brand, excellent support from admin, IT & other staff and very high ethics.

Bruce Downing, Margaret River, WA

Smartline is a very franchise-friendly organisation which shows great support and loyalty to its franchisees. It has a relatively flexible approach and is hugely supportive of their individual needs.

Shawn French, Greensborough/Bundoora, VIC

Strong support systems and a great internal culture makes working in this system rewarding and pleasurable.

Scott Wills, Hawkesbury Districts, NSW

As one of the original franchisees in 1999, what drew me to walk away from a similar role with a Big Four bank was the flexibility to be the master of my own destiny; the ability to provide a far better result for my clients, the ability to earn an income based purely on my results and not some corporate KPI's and averaging metrics, the ethics & values of the directors and their overall franchise model & proposition. Nothing has changed seventeen years on.

Kevin Lee, Castle Hill, NSW

"Buying a Smartline franchise was a great move for me on many levels. It built my confidence, gave me stability, created independence, gave me people to help and started me on a path to wealth. I shifted from an employee mindset to being an entrepreneur. Smartline has allowed me to balance my life: I exercise everyday, work four days a week only, spend more time with my family, travel, sleep well and have the satisfaction of knowing I am making a difference to my clients. To this day I still get a kick out of helping buy a home".

Catherine Lezer (Chippendale NSW)

Great support and backup. Everyone from the top down are willing to help without wanting anything in return. Friendly people.

Janet Harrison, Waikiki, WA

Great support from franchisor- excellent systems in place great reputation in the industry.

Peter Swan, Central Coast, NSW