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

#5 franchise Overall on
#3 franchise in Lifestyle on
#1 franchise in Passion on
#3 franchise in Marketing on
#6 franchise in Expansion on
#10 franchise in Support on
Financial Services
Business Established
Units / Locations
FCA Member
Multi-Unit Ownership Allowed
Agreement Terms
Five years plus five year renewals.
Last Surveyed
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 2019, 2018, 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.


The Smartline group provides the necessary support and guidance to succeed. Now as part of a larger organisation (REA Group); the future and outlook is even more promising.  I feel excited about the future and how REA and Smartline will evolve.

Glenn Harrison - Bendigo, VIC

This is a family - Smartline is an incredible organisation to work within. Great systems, great leaders, great support available always, and amazing people.

Michele Annison, 2020

Smartline supports Franchisees fully. It offers a good training program, has a good system which assist with day to day business matter, great support and mentoring base. Great IT support team. Commission structure is fair and encourages franchisees to grow. HQ staff are very engaging and will assist whenever help is sought and they do it with a smile.

Lou Costabile - Balwyn North, VIC

Great support network from head & state offices. Strong brand. Franchisees willing to work together to improve and happy to share best practices. Welcoming environment. 

Terry Azzopardi, 2020

Ultra organised, professional & provided with all the assistance required to make your business a success.

David Stoeckel - Port Lincoln, SA

I feel well supported, both professionally and personally.  Smartline looks to assist their Franchisees to be successful and drive their own success by helping the franchisees reach their potential. 

Chris Golden - Fraser Coast, QLD

I believe there is integrity in Smartline's business system, and real caring for each franchisee and staff member, beginning at the top and through all layers and sections of the biz.

Martin Castilla - Burnside, SA

Great support, everything is set up for us. Smartline is focussed on continually improving our systems.

Nikkie Macey - Canberra, ACT

Very supportive in all areas of the business. Good systems and always looking to improve.

Ray Strong, 2020

I relate to Smartline like family. They have always looked out for me and support me where they can.

Michael Sugiandi - Ringwood, VIC

I feel Smartline really believe in helping franchisees with quality systems, marketing and advice. I have been with them almost 18 years and believe the values that brought me to them initially are still present today.

Greg Murray - Penrith, NSW

Smartline is more like a family, where everyone helps everyone else. I can contact any of my fellow franchisees if I have a query. The Head Office staff are always ready to assist (Product Support, IT, Lender Liaison or general enquiries). IT staff are readily available if I have a technical problem and they  can access my laptop if necessary. Training is always available and topical, and I am kept up to date with industry information on a daily basis. 

Ian Kilpatrick, 2020

Smartline have provided a very supportive and well structured management to allow for franchisee to operate independently where required plus also then engage the well maintained back office and specialist support that would see any issue resolved.

Phillip Morgan - Geelong, VIC