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Michael Sugiandi

Michael Sugiandi Mortgage Broker in Ringwood, Croydon, Donvale & Wantirna

Providing quality mortgage advice and helping clients select the most suitable loan is what Michael does best. With a wide panel of lenders to choose from, he can ensure your new lending solution meets your current and future financing needs as well as giving you a great deal.

“I am a highly experienced mortgage broker, and will set up your lending so as to have far-reaching positive ramifications for your financial future,” he says. 

Michael offers a mobile service and is based in Ringwood.
  • Call Us Mortgage Choice Croydon Hills
  • Office - 0421 222 100
  • Open Hours Mortgage Choice Croydon Hills
  • Monday - Friday: 9:00am - 5:00pm
    After hours by appointment
  • Free Appointment
Mobile Broker

Servicing Ringwood, Croydon, Donvale & Wantirna
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With 12 years’ experience and a results-driven approach, Michael provides expert assistance with a wide variety of lending requirements – from home loans and investment loans to business loans, car loans and personal loans. 

  • Home loans
  • Investment loans
  • Refinance loans
  • Construction loans
  • Renovation finance
  • Equity release
  • Deposit Bonds
  • Bridging loans
  • Reverse mortgages (Referred to third party)
  • Personal Loans
  • Car and asset finance
  • Business equipment finance
  • Commercial property finance
  • Business loans
  • Insurance (third party referrals)
  • SMSF loans
  • Loan protection insurance
  • Building/construction loans

A little more about Michael's service

By placing you with the right lender and loan structure, providing practical assistance and guidance, and efficiently managing the borrowing process on your behalf, Michael will help you save money, time and stress. 

Based in Ringwood in Melbourne’s east, Michael offers a mobile service in Melbourne’s eastern suburbs and beyond. He can meet at a time and place that’s convenient for you.

What is your borrowing power?

When you're ready to start looking at purchasing your property, it's important to have a better idea of what you can borrow. We know that finding out how much you can borrow for a property can be a bit confusing, which is why we have some great resources at your disposal.

Feel free to check out our easy-to-use home loan calculators here or get in touch with Michael to discuss your borrow power and your unique situation.

Ready to start your home loan journey with Michael's help?

Find out why my customers are more than happy with my service and contact me on
0421 222 100. In most cases, my service comes at no cost to you. 

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Client reviews

Michael has been so wonderful to deal with throughout my mortgage journies. He goes above and beyond to assist and make the processes as stress-free, and smooth and possible.

Melita Dacruz
16 July 2022  

Our financial situation was quite complex. Michael went above and beyond to make sure that the financial institutions he was dealing with had a very clear picture of our situation and an understanding that we would be a good client. More than happy to recommend Michael if your situation is complex and needs someone who has a good understanding of company structures, trusts and the like.

Fiona Hall
13 February 2022  

Michael was very helpful with the whole process. Michael exceeded our expectations, as ours was a very complicated loan, that in the end was made fairly simple. Would highly recommend Michael's services.

Stephen Hagl
01 February 2022  

Michael was very helpful, informative and committed to helping us through the entire loan application process. He was always contactable whenever we needed him and happy to fully explain things in detail. Beyond this he was a really nice guy and pleasant to deal with. Highly recommend.

Warrick Pogue
06 September 2021  

Michael went above and beyond our expectations and made the hurdles we came up against less stressful because of our faith in him.

Kathryn Harris
01 August 2021  

Michael was fantastic in the way that he took the time to understand our situation and then worked with the lender to get the loan done. Would absolutely recommend to anyone who needs to get or change their home loan

David Swiggs
17 May 2021  

Michael was a pleasure to work with during the entire process and always there to answer our many questions along the way. Would definitely recommend to others.

Christopher Vinecombe
16 May 2021  

Michael was recommended to us, and we highly recommend him to others. We had a complicated situation and needed a quick turnaround during COVID. Michael guided us exceptionally well through every step. We are now happily in our new home. Thankyou!!

Anna Burchell
04 February 2021  

Michael was beyond amazing. He took the time to explain everything to be and was able to work around my work schedule. Would and already have recommended him to family and friends. Extremely happy with his professionalism
knowledge and service.

Natalie King
21 January 2021  

I've been with Smartline for 5 years and have never been disappointed. Micheal is professional while casual and always provides clear communication to help us understand complicated financial processes. We recommend Smartline to anyone considering.

Adam Clancy
04 November 2020  

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Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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