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Emmanuel 'Jon' De Guzman

Reviews

Average client rating
4.8/5 From 153 Reviews

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I can't thank Jeamie and Jon enough for their exceptional support in securing a loan for our first home They kept us informed and updated throughout the entire process, and were always available to answer any questions we had. I highly recommend them to anyone looking to buy their first home

Sarah
11 October 2024  

 

Jeamie was extremely helpful in my loan process. Flexible with my changing needs, she was always available via phone or email to answer any questions I had. I secured a great loan and her assistance was incredibly valuable

Grace
11 October 2024  

 

I recently had the pleasure of working with Jeamie, and I can't recommend her enough Jeamie was incredibly helpful in guiding me through a complex process that I was honestly a bit overwhelmed by. From start to finish, I felt supported every step of the way. Jeamie's communication was fantasticalways clear and timely, which made all the difference. If you need assistance, definitely reach out to her

Joel
02 October 2024  

 

Jeamie has been fantastic Right from the start, shes been incredibly helpful and responsive. Whenever I had questions or needed assistance, she was there for support, which made the whole process very smooth.

Overall, very happy and absolutely positive experience with them

Francis
28 May 2024  

 

Jo
13 May 2024  

 

As a first home buyer, Jeamie provided the most amazing service and played a crucial role in helping me secure my first mortgage. She made navigating first home guarantees schemes a breeze Overall very empathetic towards a slightly stressed young person doing this all for the first time. Id absolutely recommend her to anyone wanting a worry-free mortgage application process. Love you Jeamie


07 February 2024  

 

Great team of experts. They made the whole process smoother and and effortless for us. Will definitely do business with them again in the near future

John
05 November 2023  

 

Jeamie and the team, were great from start to finish. They answered all my questions and emails. Highly recommend.


03 September 2023  

 

Jeamie and the team were amazing. We had a complicated request which they worked hard to accommodate. Jeamie was always accessible and so happy to help despite the many phone calls and emails They truly made the experience easy and alleviated any worries and concerns quickly by explaining the process. Will definateky be using them again and cant recommend them enough. Thank you

Daniel
27 June 2023  

 

Very smooth process with no issues.

Kirby
01 March 2023  

 

Harrison
24 July 2022  

 

Great service & always a wonderful experience dealing with Emmanuel, Jeamie & Yvette.. looking forward to our next investment loan application. Thank you Alfonso

Alfonso
03 June 2022  

 

Very happy, very respony

Colin
31 May 2022  

 

Jon and his team were patient and responsive. My situation was a bit messy and they were always polite and patient with me even if I’d forgotten to do things or send something through. They were always contactable and were able to achieve a desired outcome even in a tough situation. Thanks guys!

Roxanna
17 May 2022  

 

Amazing team, really people focused and has clients best interest. Highly recommended and wish I found them sooner

Ana-Lea
05 May 2022  

 

Emmalaine
22 April 2022  

 

Nothing ever a problem for Jon. Always helpful and prompt. Legend.

James
06 April 2022  

 

I bought my first and second house with these guys. It’s great working with an experienced team. Thanks so much Jon, Jeamie and Yvette.

Sandra
07 February 2022  

 

Jon and his team were exceptional, he organised a complex refinance and restructure over various facilities that has saved us substantial interest costs. We would highly recommend having a chat to Jon and his team.

Bradley
08 December 2021  

 

Have dealt with jon and his team twice now and twice they have provided me with exceptional service. Will definitely be reaching out to them!

Reynaldo
18 October 2021  

 

Jon and the team go above and beyond! I can't thank them enough for how stress-free they made the process of refinancing.

Deborah
01 October 2021  

 

Excellent communication and responsiveness throughout at process and was willing to assist when we needed to make changes. The team made it easy for us!

Anthony
24 September 2021  

 

We had a great experience, I think the only thing to note is each individual bank has their own service time line for discharge, so this pushed our settlement back a month but in future we’ll be more prepared knowing this information sooner. :)

Stephanie
17 September 2021  

 

Kati
10 August 2021  

 

Steven
12 July 2021  

 

Miika
19 June 2021  

 

Coral
02 June 2021  

 

Jon and Yvette were fantastic. They kept us up-to-date, were quick to respond to any queries and concerns, and went above and beyond helping us work through bank delays. We couldn't recommend them highly enough!

James
31 March 2021  

 

Hi Emmanuel and Yvette,
Thank you so much for everything. I couldn't have done it without you. Thank You once again.

Doris
09 March 2021  

 

Good

Gloria
15 October 2020  

 

Jon provided a high level of professional assistance and knowledge. Both Jon and his assistant Yvette were great to deal with and made the process easy.

Audra
12 October 2020  

 

Great experience with Smartline team Jon and Yvette, absolutely exceeded my expectations! They walked me through the whole process with regards to my mortgage for my first home, and were helpful and informative throughout. Would recommend!

I-Tao
09 October 2020  

 

Excellent to deal with gets the job done

Rohan
01 September 2020  

 

Great service! Both Emmanuel and Yvette always kept us up to date throughout the whole process and went above and beyond. Highly recommended.

Abigail
25 August 2020  

 

I just want to know what do you do with Private personal information as all was sent via email to the adviser .

Zongwen
23 July 2020  

 

Rocky
25 May 2020  

 

Jon went above and beyond to get me into my first home. I am forever grateful!

Sandra
31 January 2020  

 

Jon and his team were outstanding, having to navigate the additional challenges associated with a more complex application, along with a simultaneous settlement. Very happy clients that would highly recommend Jon and his team!!

Bradley
28 November 2019  

 

Jon was fantastic. I could not sing his praises enough. At all points he was clear and communicated well. He listened and understood my needs and is wonderfully warm and supportive. It didn’t all go smoothly where the bank was involved but Jon was on top of it the whole way. And it was comforting to know he was just as frustrated with the bank as I was.

Bernice
10 November 2019  

 

Both Emmanuel and Yvette are a super team. They were so accessible via phone and email, and no question was too stupid for them. Super friendly, and super efficient workers. Thanks for all of your help, legends.

James
17 October 2019  

 

Jon was professional and very knowledgeable once again, he made the purchase run smoothly and exceeded our expectations, I would have no hesitation in recommending him to anyone.

Bradley
14 June 2019  

 

We are very thankful for the service provided to us by Smartline through Emmanuel De Guzman and Yvette Jalandoni. We highly recommend the service of your team.

Aileen
10 June 2019  

 

My adviser under promised and over delivered. He was always in communication with us and kept us up to date with everything about our application process.

Arnaldo
28 January 2019  

 

Jon was more than helpful i am very happy and look forward to do more business in the future. Geoff Harley

Geoffrey
24 January 2019  

 

Very good communication, very well informed, knew the products. Made the whole process very easy

Minka
30 November 2018  

 

Jon has been my trusted Adviser since 2007. He is always courteous and friendly to speak with, and has a wealth of knowledge about his industry. He always goes above-and-beyond to ensure great outcomes for his clients.

Angela
12 September 2018  

 

They’ve been very helpful throughout the initial planning all the way through settlement. Guided us with what’s work for us and not the other way around.

Carlos
22 August 2018  

 

We had an amazing experience with our Smartline Adviser Emmanuel De Guzman (Jon). He always kept us informed of any developments during our loan application process. This was our first experience in dealing with a Mortgage Broker, but we had total confidence and trust in Emmanuel as he was always friendly and approachable as well as maintaining a professional approach. We would highly recommend Smartline to any of our friends and family looking for a home loan, and in particular Emmanuel De Guzman.

Gregory
20 August 2018  

 

Terence
15 July 2018  

 

Mikka
04 July 2018  

 

Delia
18 April 2018  

 

Andrew
03 April 2018  

 


13 September 2017  

 

Emmanuel ('Jon') was incredibly patient and supportive throughout my home-purchase experience. He was aware of my needs and gave these the utmost consideration when sourcing information and products that were most suited for me. I have already recommended him to others!

Angela
22 May 2017  

 

Knowledgeable and friendly. Easy to deal with, helpful with queries and easily contactable. A larger lenders base will be even better.

Tuang
25 April 2017  

 

Jon was great in all of our dealings - it was our first home purchase and he went out of his way to make it easier for us. He will definitely be our Go-To man for our next purchase.

Gian
10 April 2017  

 

Arlene
21 March 2017  

 

Ralph
06 December 2016  

 

We are very grateful to Emmanuel for his help and advice. He was constantly in contact with us to keep us up to date with the progress. He made the process so much easier. I would highly recommend his services. We thank Emmanuel very much for his efficiency and expertise.

Ralph
06 December 2016  

 

Nathalie
12 September 2016  

 

Emmanuel is very helpful and friendly throughout the process of my home refinancing from initial enquiry, loan application until document signing and settlement. He assisted in every step and followed up after the draw out. He is knowledgeable about my loan requirements and worked with me to find the best product in the market that suit my needs. He is very professional and kept me informed. He actually exceeded my expectations that's why I returned and consulted him to help with my next investment loan application.

Roberto
09 August 2016  

 

Thanks Jon once again for your great advise and assisting us with a smooth transition in what is normally a stressful time when buying a house. Your punctuality was fantastic when we needed to contact you and you always went out of your way to explain to us in great detail the process so we could understand. Thanks again and look forward to the next one!!!

Joel
29 July 2016  

 

This is the 2nd time that I have used Smartline and in particular Emmanuel De Guzman.
Both times have been a seamless and efficient process.
It was not just Emmanuel's knowledge of the process but his personal relationship with Bank Manager's that made this possible.
Our circumstances required some lateral thinking and Emmanuel was able to understand them and provide us with options that met our requirements.
We were once again very impressed and would recommend both Emmanuel and Smartline.

Matthew
13 July 2016  

 

Dealing with Emmanuel was an absolute pleasure. He made sure we were informed at each stage of the loan process. Emmanuel was reliable, knowledgeable and always made himself available to assist with our queries, regardless of how small. We highly recommend Emmanuel to anyone that is in of a Broker

Shaun
10 July 2016  

 

Emmanuel De Guzman is extremly prompt to provide best mortgage advice and to respond to queries by email, text or phone. We have bought two houses over $1 million dollar over last 3 years and would be seeking Emmanuel's help for new home loans or refinancing in the near future. We are very pleased with Emmnuel and will be recommending to our friends & families. Cheers.

Suman
07 July 2016  

 

We have been using smart line for the past ten years. It's convenient for us, and our representative Emmanuel (Jon) is very professional, keeping us informed through the complete process.
My husband and I will gladly continue to use smart line in the future.

Ian
18 February 2016  

 

Jon was fantastic and thorough in his advise and completion of applications. Very approachable and kept reinforcing that I had to be 110% happy with the final product.

Kim
14 January 2016  

 

Excellent service thanks Jon.

T
20 December 2015  

 

Education on the details of the transaction process and who's responsibility those are. While those within the industry all know who is responsible for what at each step through the process, from the outside its a minefield of self interested parties who assume you will know the ins and outs.... Its an unrealistic expectation as its virtually impossible to source the information from a single site on the web. I know - I looked & research is what I do for a living!
Kind regards,

Michael

Michael
10 November 2015  

 

Jon got me a great deal and provided the service you always hope for but don't usually get.

Todd
04 November 2015  

 

Jon provided a very efficient service. We had a few hiccups with the bank getting the correct paperwork to us, and there were moments when we thought the loan would not be approved to meet settlement date. Jon ensured the application was pushed through in time keeping us informed along the way. I would definitely recommend Smartline to friends and family as it provided us with peace of mind as we achieved our next life goal of buying a house.

Paul
19 August 2015  

 

 

Ralph
25 June 2015  

 

Matthew
14 June 2015  

 

Andres
11 June 2015  

 

This is our second home loan with Jon within a period of 6 years. First we bought a 3 bedroom townhouse and then upgraded to a 4 bedroom house, keeping the townhouse as an investment property. Over this period he was always available for a quick chat whenever we need advise with our circumstance. He is very knowledgeable and is straightforward with his advice which we liked. Jon and I also share the same Filipino heritage which I guess makes him easier to approach. I would gladly recommend Jon to friends and family.

Sonia
10 June 2015  

 

Angela
29 January 2015  

 

I will for sure recommend my friends and family. Jon help us through our loan and FHOG AS WELL. Thanks to Jon and Smartline. Mann & Amarba

Merumansingh
11 September 2014  

 

Emmanuel (Jon) was great, he was thorough and kept me informed.

Janell
09 August 2013  

 

The service rendered by Emmanuel De Guzman is exceptional. He made sure I am well informed of the best banks I can choose for my home loan and the last minute changes that I want had been accomplished and made possible.

Liewelyn
08 July 2013  

 

Outstanding service!!!

Francis
04 March 2013  

 

Richard
01 October 2012  

 

Emmanuel 'Jon' De Guzman was exceptional on our second home loan for a house and land purchase or our dream home. Meet what we need and always available, would not hesitate to recommend to others.

Francis
13 September 2012  

 

Brian
14 June 2012  

 

Jon (Emmanuel) communicated/es with me continually and is quick to respond to my requests/questions. He explained the various types of loans and how they differed. He explained costs and compared costs/outcomes in a way that was very easy to understand. He is prompt with getting paperwork to me - totally efficient which is why I would not hesitate to recommend him to anyone.

Helen
23 February 2012  

 

Jon offers a professional and efficient service that is focused on meeting the needs of his clients. I have always found him to be approachable and enthusiastic in his manner, and knowledgable of available products.

Angela
02 February 2012  

 

We wanted to add another investment property to our portfolio. We have been declined by our existing financier when we requested for additional funding on top of our existing mortgage. We approached Jon De Guzman to help us and he was able to facilitate our requirement from another lender. We are very appreciative of Jon's services and would recommend him to anybody who would require his services.

Maria
25 January 2012  

 

very happy with emmanuel,does a great job for us

Richard
12 January 2012  

 

Jon was patient, bearing in mind we had to cope with a protracted period of searching for the right house, plus currency fluctuations. We were very impressed with his service. Thanks

Michael
27 December 2011  

 

Michael
25 October 2011  

 

.....Was so helpful and has an answer to every single questions that I had. Went out of his way to sort out problems that was encountered during the financing process!......

Bao-Anh
30 July 2011  

 

Anthony
05 July 2011  

 

Aaron
12 May 2011  

 

Trent
12 May 2011  

 

Quick, efficient, up to date & accurate information. Great service

Janell
22 March 2011  

 

john was frendly and helpfull

Daniel
20 October 2010  

 

Outstanding serivce

Francis
15 September 2010  

 

Jon was most informative and very professional of any of our questions and helped us achieve our goals in retaining our loan quickly and without hassle. I would strongly recommend him for any of my friends or family if they needed to refinance or finance a home at any time. Please thank him for his efforts and kindness. Thank you Tracy Nelson and Sean Carmichael

Tracy
31 July 2010  

 

David
07 July 2010  

 

Trent
07 March 2010  

 

Kenneth
15 January 2010  

 

Kurt
03 November 2009  

 

Cheryl
16 September 2009  

 

John
15 September 2009  

 

Contactable and understanding Mortage Broker.

Francis
26 August 2009  

 

Jon was great

Christopher
03 August 2009  

 

Michael
03 July 2009  

 

Samuel
16 June 2009  

 

Rodolfo
25 May 2009  

 

Kenneth
08 April 2009  

 

Stephen
14 January 2009  

 

Sarah
07 January 2009  

 

I liked the personal service given and the fact that the adviser came to my home.

Suzanne
21 December 2008  

 

Bruce
16 December 2008  

 

Michael
17 November 2008  

 

We were both very pleased with the service we received and have recommended our adviser to family and friends.

Meryl
16 October 2008  

 

Don
16 August 2008  

 

I was happy with our consultant, he was quick to respond to messages and was helpful and courteous. While getting a loan is never a simple process, he facilitated the process and negotiated well on our behalf.

Carrie
16 July 2008  

 

My consultant Jon was wonderful. He is very knowledgeable and helpful and is readily available to help you with any question I had. I would have no problems in referring him to any of my friends or family in the future.

Toby
16 May 2008  

 

Emmanuel
16 May 2008  

 

I would definatly use you again and was more than happy with the service. I am a natural worrier and it was great that the Smartline consultant took all the worry and stress away.

Andrew
05 May 2008  

 

Alfonso
17 March 2008  

 

Most like the fact that with all the current rises in interest rates, even after our home loan has settled, our broker is still looking out for us and advising us if we should be looking for/getting a better deal elsewhere.

Paul
16 February 2008  

 

Angela
16 January 2008  

 

our consultant was very good

Michelle
18 December 2007  

 

Leslie
17 December 2007  

 

When you don't have a great deal of available time, it was good to have someone that could do all the work for you .

Joanne
17 December 2007  

 

good service,We wouldnt hesitate to recomend John

Kieran
19 November 2007  

 

Dean
17 September 2007  

 

Abdul
16 September 2007  

 

Jordan
22 August 2007  

 

Very friendly and professional service

Wendy
16 August 2007  

 

Jill
23 July 2007  

 

I was a bit taken aback when I discovered that the repayments were higher than I expected--about $120 more per month. I was given approx amounts based on probable need, but once the loan amount was settled, I would have appreciated being advised the actua

Carrie
16 July 2007  

 

Douglas
20 May 2007  

 

The Consultant told us about life insurance we could use but we asked our consultant to contact us about this. He didnt contact us again?

Ashley
01 May 2007  

 

With regard to stamp duty on our loan, with a pre-existing loan that we have already paid stamp duty on have been told some companies transfer stamp duty so it does not have to be paid again...Is this correct? Some feedback would be appreciated.

Doug
09 February 2007  

 

for me everything was just right.a good job done

Richard
19 January 2007  

 

Emmanuel
18 January 2007  

 

Very helpful and available whenever I need, Very good. Thanks

Taeho
17 January 2007  

 

My consultant Jon De Guzman has always given me his time and has already saved me thousdands by helping me choose the loan that is right for me. There is nothing i would change or recommend, he does a fantastic job.

Ana-Lea
16 January 2007  

 

Einar
20 June 2006  

 

Very competent, friendly service. Extremely informative and transparent.

Matthew
02 May 2006  

 

Wendy
02 May 2006  

 

OT
06 March 2006  

 

Emmanuel
02 March 2006  

 

I liked the fact that I was not pressured into making a decision or having my forms in on time.This flexible approach really helps to reduce the "stress" of a home loan.

Philippa
01 March 2006  

 

We liked the idea of always being able to talk to our consultant at any time of the day or night. What would be better is a little less faxing of paper work & more information of monies to be paid out at the settlement day.

Gordon
02 December 2005  

 

Emmanuel
01 November 2005  

 

I liked the fact that my consultant was always contactable and kept me informed!

Ana-Lea
03 October 2005  

 

Gary
09 September 2005  

 

The best consultant a first home owner could get, Emmanuel 'Jon' De Guzman. Francis

Francis
02 March 2005  

 

We are very happy with the options that Emmanuel provided for us and felt very confident that he handled our loan efficiently. The services Emmanuel gave is more than what we expected and would certainly recommend him to friends and families. Emmanuel sho

Alfonso
01 March 2005  

 

I liked the way I got the loan without too much paper works to do and without other collaterals to attach to the loan.

Emmanuel
18 January 2005  

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