Get Smart Profile

Michael Bull
We began operations in 1999 with the name Ezi Loan Pty Ltd, concentrating on residential home and investment loans.  We always had a sharp focus on providing the best advice with the lowest interest rates and fees.  A couple of years later we expanded into equipment leasing & motor vehicle loans.  Then in 2004 we set up a commercial loan division, for financing commercial & industrial property.  In 2010 in response to client demand, we diversified into a broader range of financial services and in 2011 we changed the name of the business to Get Smart Financial Services Pty Ltd (ABN 76 089 414 899).  We do business mainly in Sydney & the Central Coast - with serviced offices in Sydney CBD, Gosford, Chatswood & Parramatta.  We also have some Melbourne and Brisbane clients and we use serviced offices in those locations.  An after hours consultation in the comfort of your own home can also be arranged.

 

 

 

 

 

Our strengths are as follows:-

Experience

Managing Director, Michael Bull (above), has more than 20 years experience in financial services and bank lending, working for Barclays Bank, St George Bank, Westpac, and Chase AMP Bank.  That brings valuable inside knowledge to an industry where many brokers have limited experience (80% never having worked in finance before setting up as Mortgage Brokers !) and where many have no relevant educational qualifications.  Michael was also one of Australia's youngest Licensed Investment Advisors at age 23, working for David R Bleakley & Associates then Personal investment Planners.

Qualifications

Michael is a fully qualified accountant, and has a Commerce degree from the University of NSW.  As such he is able to advise on negative gearing, capital gains tax & land tax - at no charge for those taking out an investment property loan.  We provide intelligent solutions to your specific borrowing requirements.  Michael is currently halfway through obtaining his Financial Planning license (having let the previous one lapse in the mid 1990's).  At Get Smart you will find we are commited to obtaining exceptional outcomes for our clients.  Our professionalism is 1st Class.

Industry Memberships

Our clients are protected by our memberships of the Mortgage & Finance Association of Australia (MFAA) & the Credit Ombudsman Service Limited (COSL).  These memberships require us to adhere to a strict code of practice, ethical conduct, and disclosure.

Wide Choice of Lenders

From humble beginnings, we now offer a choice of more than 220 different loan products from more than 32 Bank & Non Bank Lenders.  We offer more products than Mortgage Choice or Aussie Home Loans.

Impartial Unbiased Advice

We don't favour any one lender over another - we get paid a flat percentage fee from all of them, for sourcing the client, for advising you correctly, and for putting together a high quality loan submission, which greatly reduces their workload.  The banks and lenders pay us directly, so that means we don't charge you for our advice, or for access to our sophisticated loan comparison software.

A Client for Life

Best of all after the loan is settled, you can call us at any time to get advice on your loan account, or discuss your future needs.  If you ever have any queries about your loan, we encourage you to phone us before phoning the lender.  We aim to give great after sales service, & hope you become a client for life.

First home Buyers

If you are buying your first home, we give you extra attention, and make sure that you fully understand the First Homeowners Grant Scheme (phone us for a First Homeowners Grant brochure).  We have lots of good information for First Home Buyers on our First Home Buyers Info Page - For more info click here.

Loan Comparison Software

To assist our clients with an objective analysis of a vast range of loan products and interest rates, we use sophisticated loan comparison software.  This software is instantly linked to the latest bank interest rates, product features and fees and charges.

It is the best in the industry.  To download examples of our loan comparison software, click here.

Real Life Examples

Some examples of people we have helped, and our solutions:-

First Home Buyers

Recently married, new baby, new home, new home loan! Ezi Loan helped this young couple get into their first home...

Holiday Home / Investment

Five years into the mortgage on their home, this self employed couple decided it was time to combine their investment with leisure...

Home Loan Refinance

Karen found her dream property but didn't want to sell her existing home. Her Ezi Loan Mortgage Broker took off the heat of having to sell under pressure by refinancing her current home loan...