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About
Australia's Most Trusted Broker for Over 25 Years
About Smart Mortgage Finance
Smart Mortgage Finances is built on the qualifications and over 25 years of financial experience. As a mortgage broker in the Hills District, we are committed to finding the right mortgage with the maximum possible savings passed to the clients.
The personalized study of the individual’s financial profile, together with offers from over 70 lenders, allows us to obtain a high degree of success in providing the tailored solution.
Why Choose Smart Mortgage Finance?
5-Star Rated Service
Happy customers and glowing reviews across Google.
Access to 70+ Lenders
We search across more than 70 banks and lenders to get you the best deal.
Customer-First Approach
We take the time to understand your needs and guide you with clarity.
Here’s How We Make It Easy
Chat With Us
Reach out to one of our brokers to share your goals.
We Assess Your Situation
We review your financials and help determine your borrowing power.
Compare 70+ Lenders
We compare offers and present you with tailored options.
Get Approved & Settled
We manage the process end-to-end and support you after settlement.
Mortgage Broker Services for Every Situation
Home Loans
Purchase your dream home with tailored options.
Refinance Loans
Lower your monthly repayments and save more over time.
Low Credit Score
Loans designed to help rebuild your financial path.
Self-Employed
Flexible options tailored to self-employed income.
No LMI Home Loans
Save thousands by avoiding Lender's Mortgage Insurance.
SMSF
Grow your portfolio using your Self-Managed Super Fund.
Business & Commercial Loans
Finance solutions for businesses, warehouses, shops & commercial assets.
Asset Finance
Vehicles, machinery, equipment, tools - we'll help fund it.
Mortgage Broker Services for Every Situation
Home Loans
Purchase your dream home with tailored options.
Refinance Loans
Lower your monthly repayments and save more over time.
Low Credit Score
Loans designed to help rebuild your financial path.
Self-Employed
Flexible options tailored to self-employed income.
No LMI Home Loans
Save thousands by avoiding Lender's Mortgage Insurance.
SMSF
Grow your portfolio using your Self-Managed Super Fund.
Business & Commercial Loans
Finance solutions for businesses, warehouses, shops & commercial assets.
Asset Finance
Vehicles, machinery, equipment, tools - we'll help fund it.
Nick Chatterjee
Empowering Australians to Make Smarter Financial Decisions
Nick Chatterjee founded Smart Mortgage Finance with one mission — to help Australians achieve their dream of homeownership through expert advice and real lending options.
With over 22 years of experience in banking and financial services, including leadership roles managing multimillion-dollar operations, Nick brings a wealth of knowledge and a customer-first approach to the mortgage industry. His belief is simple: every Australian deserves transparent guidance and access to a wide range of lending options — not just one bank’s product.
Smart Mortgage Finance is accredited with over 70 lenders, including all four major banks, giving clients true choice and access to tailored, competitive solutions. Whether you’re a first-time home buyer, refinancing, or navigating complex credit challenges, our team is here to guide you with clarity and confidence.
Nick holds a Master’s in Business Administration and a Certificate IV in Mortgage Brokering, alongside degrees in Bachelor of Arts and Master of Social Work (MSW). His qualifications and decades of expertise have supported thousands of Australians, through partnerships with major institutions such as Commonwealth Bank, Westpac, Macquarie Bank, and ABN.
Serving Clients Across Australia
We’re not just local — we’re national. While we’re based in the Hills District, we work with clients in Sydney, Melbourne, Brisbane, Perth, Adelaide, and regional Australia via phone, email, and virtual meetings.
Whether you’re in a capital city or a rural town, you’ll get the same dedicated service and support.
Best Mortgage Broker Australia
