Karen Smart is a trusted Mortgage Choice broker serving the families of Wantirna, Ringwood, Mitcham, and Melbourne's outer eastern suburbs. With 30 years of banking experience behind her, Karen brings deep local knowledge and genuine expertise to every client's property journey.
As a local franchise owner, Karen takes a long-term view of each client's goals, starting with their very first property purchase and continuing well beyond settlement. She cuts through the noise of conflicting market advice, focusing on current facts and practical steps to help clients move forward with real confidence.
Karen works with over 35 lenders to match each client with the right loan structure, and collaborates closely with accountants to ensure lending decisions support long-term wealth building. Her process begins by establishing a solid financial baseline so clients know their true borrowing capacity before setting foot in the property market.
Whether you are buying your first home, refinancing, investing, or building, Karen manages the paperwork and complexity behind the scenes so you can focus on the future. Her services cover home loans, refinancing, first home buyer loans, investment loans, construction loans, and self-employed lending.
Karen's commitment to the eastern suburbs runs deep. She is passionate about getting clients on the right track, removing the confusion, and building lasting financial security for the families she serves.
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Chloe Mackley
Karen and her team (Lauren & Aleisha) were truly exceptional. Her professionalism, expertise, communication and responsiveness is unparalleled. We were first home buyers and didn’t have any idea where to start, but after our first meeting …
Simon Kiburg
Karen and her team assisted us in buying our first property. They were extremely knowledgeable and professional. We really appreciated their support throughout the process and would highly recommend them to others.
Simon
Karen and Lauren were both extremely helpful in guiding us through the purchase of our home, and have a great network of other services needed throughout the process - as our conduit into the purchasing of our home, we couldn't be happier. Glad to recommend to anyone!
M G652891
Karen and her team were so helpful. I found there understanding of my financial needs and rapid turn around of work to be so helpful in helping me get me dream home! Would use them again in a heartbeat.
tim angus
Mortgage Choice were brilliant! Its such a big deal navigating through buying a new property, and Karen was there to help me from the start to end, quickly assessing my buying potential, finding a great lender and deal, and all the way to …
Louis Brailsford
I cannot recommend Karen and Lauren highly enough! They were so helpful and responsive, they answered all our questions and helped us to get a loan which met our needs. It significantly reduced our stress to know that we had smart people we could trust. They are also lovely people. Thank you!!
Areas Serviced
Specialties
Owner Occupied Loans
Bridging Loans
Construction Loans
First Home Buyers
Captial Cities
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