Ashley Churchill 
Family man, Director of the business and avid property investor

Ashley’s love affair with property started in 1999 when he bought his first property in Southern Sydney. A run down property that needed renovation, Ash soon realised this was his passion. Six properties later and his appetite for property has not diminished at all, in fact it is stronger than ever! Ashley has a Certificate IV in Financial Services and a Diploma of Financial Services, plus he is a Justice of the Peace.

Ashley’s motto is “never give up”, so it’s not surprising he is known for specialising in loans no one else can do. Any tricky areas such as self-employed, construction or cash out, if someone else in finance has said “No”, Ashley is the broker to get a “yes”. There are currently 5 brokers sending him deals they can’t do. With a no-nonsense approach, and being an active property investor himself, he brings invaluable experience in buying and selling property.

Asked why he loves his job as director of Mortgage Smart so much his answer was simple: “I love being the Mr Fix-it of finance” When clients have a financial problem and I help them solve that problem, that is the greatest satisfaction to me!” 

Ashley takes such passion in his work that he is often talking with clients after hours and on weekends. “My clients become friends” he says. They tell me their personal details and we work together to get them the result they want!”

“For some clients its buying their first home, for others it’s a new investment property, it could be a builder, or buying through your Superannuation. Whatever the client’s needs, we can help.” 

Outside of work Ashley is usually playing with his 3 gorgous kids, including coaching his son in under 9’s soccer. Ash also loves Fishing, Snowboarding, and is a one eyed Dragon’s supporter in Rugby League terms!

Phone: 0423 043 998

Michael Di Leo

Residential Lending Specialist


Michael is a hand-picked residential lending specialist and a recent member to the Mortgage Smart team.  Clients that work with Michael get results they’re seeking.  Michael holds an Honours Degree in Commerce and a Certificate IV in Finance and Mortgage Broking, so he can help you with the advice and confidence to take the action you need, whether it be to get on the property ladder, buy your first investment property or refinance your current loan to save you money to use for things you want rather than give it to the banks.


As a family man and a father of 3 young children, Michael is involved in the local community and seeks to add value to others by being on the committee for the community preschool where his children attend and a member of the advisory council for a locally based social services agency.  At Mortgage Smart, Michael’s goal is to improve the lives of Australian families through helping them get the best from their residential loans so they can work towards achieving their home ownership and wealth building dreams. 


Personally, when Michael is not spending time with his family and friends he likes to keep fit through swimming and regularly competes in the NSW ocean swim series.  Michael takes pride in taking the hassle out of home lending, so his clients can focus on the important things in life.

Phone: 0431 679 739





Belinda Churchill
Office Support, Accounts and Administration


Married to Ashley, with their 3 young children, Belinda coordinates the operation of the business. Whether it is licensing, or payroll, Belinda controls the office and all who work with us. Belinda also has a small property management company where she does holiday letting for self contained apartments on NSW’s beautiful south coastal town of Gerroa. Plus running the family, where does she find the time!




Laura-Jade Steele
Loans Manager/Broker Support

Laura brings to Mortgage Smart a passion for IT and a great willingness to learn! As part of our staff development program, Laura has kicked off her career in mortgages with a bang and is straight into document compliance and managing all supporting documentation required from our clients. Laura also holds a Certificate IV in Finance and Mortgage Broking.