The Team

Ash Churchill

As a property owner myself, I understand what’s involved to purchase a property and manage repayments and the upkeep of a home loan.

Having been a Mortgage Broker for over 16 years, I’ve seen many Home Loan products, which have been offered by the banks. But the basics remain the same. When purchasing a property, whether it be to live in or to invest in, get your finance sorted, before you fall in love with the property!

In my everyday life as a Mortgage Broker, I see client’s in many different financial situations. I love nothing more than sitting down with clients and listening to their scenario. I then like to put myself in my client’s shoes. To be then able to relate that scenario back to my own life and think, how would I handle this if the loan was for me? There’s nothing more rewarding than providing the answers that our clients have been searching for themselves, but perhaps haven’t been able to find, particularly if they have already been to the bank. With access to over 30 Lenders on our panel, we can provide our clients with choices when it comes to their home loan, not just 1 loan product.

As a member of the MFAA (Mortgage and Finance Association Australia), the AFCA (Australian Financial Complaints Authority) and holding a Diploma in Financial Services, I am required to attend many seminars and workshops to help keep my knowledge of the industry changes up to date. I am also a Justice of the Peace, so meeting the obligations and keeping up with the changes to this role form part of my working week.

What do I do in my spare time you may ask? I have 3 lively children who are very dedicated soccer and rugby league players. So, weekend sport is a huge part of our household. It gives me time with the kids, is a great way to mix with local families and get out of the office! I also love watching the local “Gerringong Lions” Rugby League teams battle it out at the local football oval.


Laura Steele

Laura came to Mortgage Smart as a starter in the mortgage industry and hasn’t looked back. With 5 years’ experience under her belt now, she has the knowledge and the expertise to manage the loans from the time they come into the office, through to settlement. Also, having been a property owner herself, Laura understands the importance of timing and how critical it is when purchasing a home.

When Laura isn’t working on home loans, she is enjoying the great outdoors on the farm with her horse, or sweating it out at the gym with her personal trainer.


Belinda Churchill

Being married to Ash and having been involved with the business from day 1, Bel understands the level of commitment that it takes to run a small business. She supports Ash and the team where necessary and takes care of the financial side of running the business, plus runs around after their 3 highly active, children.

In her spare time, Bel sweats it out at the gym, runs a taxi service (for the kids!) and keeps the peace within the family!