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Sally Richards

Sally Richards & Karen Smart, Mortgage Brokers in Malvern East, Wantirna, Richmond & surrounds

Sally and Karen have an enormous breadth of knowledge and finance experience, giving them a unique understanding of the lending industry, its products and policies.

They are passionate, approachable, trustworthy brokers who strive to provide an outstanding customer service each and every time. They are committed to building long term relationships with their clients, who always remain their number one priority.

They offer a mobile service in the Melbourne metropolitan area.
  • Call Us Mortgage Choice Mount Martha
  • Office - 0419 049 445
  • Open Hours Mortgage Choice Mount Martha
  • Monday - Friday: 9:00am - 5:00pm
    After hours by appointment
  • Free Appointment
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Start your home loan journey today


Karen and Sally have the expertise to assist all lenders from first home buyers to investors. Empathetic and knowledgeable, they’ll identify suitable loan options and help you make educated decisions about your financial future. 

  • Home loans
  • Investment loans
  • Refinance loans
  • Construction loans
  • Renovation finance
  • Equity release
  • Bridging loans
  • Reverse mortgages (Referred to third party)
  • Car and asset finance
  • Business equipment finance
  • Commercial property finance
  • Business loans

Other areas we service

Sally and Karen are results-focused mortgage brokers who take the time to listen and understand your needs, demystify the borrowing process, and deliver a positive outcome. 

  • Sally is based in Malvern East and is mobile across Melbourne and regional Victoria. 
  • Karen is based in Wantirna and offers a mobile service throughout Melbourne. 

Check out our free calculators!

Wanting to find out your borrowing capacity based on your salary and financial commitments? At Mortgage Choice servicing Malvern East, Wantirna, Richmond & surrounds, we understand that finding out how much you can borrow for a property can be tricky, which is why we have some awesome calculators to make it easy!

Check out our free home loan calculators here or get in touch with us  to discuss your unique circumstances.

Ready to kickstart your journey to  home ownership?

We’ll assist you along the way and do all the legwork for you! Call Sally on 0419 049 445 or Karen on 0405 539 750. 

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

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

03 May 2024  

Karen and her team Lauren guided and educated us total novices through the mortgage procurement process as first-time home buyers purchasing off the plan. Karen was prompt, proactive and communicative at every stage -- she answered all of our questions and kept us updated throughout. While the process was not without stress income changes related to impending maternity leave, she and Lauren helped... read more

24 April 2024  

Thank you Karen Lauren. Best in the business

03 December 2023  

My partner and I kept Karen busy working with us through the process of purchasing an off-the-plan apartment, there was no point that Karen wasn't responsive, informative and available to support us. We are very grateful for Karen's support and know that we now have a great broker for the future too Thanks so much.

30 August 2023  

My partner and I worked with Karen, Aleisha and Lauren to secure our home loan. As first home buyers, we were a bit nervous about the process but found ourselves in very safe hands with Karen and the team. We felt supported throughout the entire process and could feel that Karen was going above and beyond to help us achieve our goal. A massive thank you, Karen and team. We'll be recommending this service to all our loved ones who are looking to buy.

09 August 2023  

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.

06 July 2023  

Karen and her team Lauren Aleisha were truly exceptional. Her professionalism, expertise, communication and responsiveness is unparalleled. We were first home buyers and didnt have any idea where to start, but after our first meeting with Karen we felt at ease and confident that we would be guided and supported throughout our journey toward obtaining pre-approvalapproval for our mortgage and ultima... read more

22 March 2023  

Karen and her team were very communicative, supportive and went above and beyond. I highly recommend their services.

18 January 2023  

Karen, Aleisha Lauren, thank you for all your amazing service and support throughout the entire process. As a first home buyer, you made the process feel seamless. And not only did you support me, but you also taught me a lot. I will stay connected should I need to review my banking. 100 will recommend you.

Many thanks,

18 October 2022  

Karen was amazing and made the loan application process a breeze. Karen was easily contactable and able to answer any questions we had. Thanks again Karen really appreciate your help on purchasing our new home

06 October 2022  

Sally and her team provide an excellent service, assisting with forms, calling the bank to speed up a valuation and ensure a progress payment to our builder was paid on time. I don't know how we would have managed this complicated process without her.

12 April 2023  

Having worked with Sally for almost 15 years - she has never failed to help us and offer us super helpful advice. As her team has grown, she has obviously attracted the best people to keep up the exceptional standard of service to keep us informed every step of the way! Thanks again!

16 February 2023  

Sally was recommended to us by a friend. We were drawn to Sally as she respected our careers in the arts and helped us get the best loan possible with a sole trader income and job loss from covid. As first home buyers, no question felt too silly either, which was greatly appreciated.

31 January 2023  

Sally was incredibly patient, attentive and knowledgeable. She had brilliant attention to detail and knowledge of the available products, but also the time and ability to clearly explain it all to us. I felt throughout the entire process that I was in safe hands and that I could fully trust her to get us the best possible deal. I would recommend Sally to anyone and everyone - I can't imagine going through this process without her guidance and wisdom.

16 October 2022  

Sally and her team were there to support us throughout the entire process, from determining how much we could borrow thru to Settlement. They went above and beyond and we cannot recommend them enough.

16 July 2022  

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Refinancing guide

If you’re thinking about refinancing, this guide can help you learn more about the refinancing process, benefits and options available.

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