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Emmanuel 'Jon' De Guzman


Average client rating
4.8/5 From 150 Reviews

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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

28 May 2024  


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

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

27 June 2023  


Very smooth process with no issues.

01 March 2023  


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

03 June 2022  


Very happy, very respony

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!

17 May 2022  


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

05 May 2022  


22 April 2022  


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

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.

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.

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!

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.

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!

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. :)

17 September 2021  


10 August 2021  


12 July 2021  


19 June 2021  


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!

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.

09 March 2021  



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.

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!

09 October 2020  


Excellent to deal with gets the job done

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.

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 .

23 July 2020  


25 May 2020  


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

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!!

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.

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.

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.

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.

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.

28 January 2019  


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

24 January 2019  


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

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.

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.

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.

20 August 2018  


15 July 2018  


04 July 2018  


18 April 2018  


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!

22 May 2017  


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

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.

10 April 2017  


21 March 2017  


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.

06 December 2016  


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.

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!!!

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.

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

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.

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.

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.

14 January 2016  


Excellent service thanks Jon.

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,


10 November 2015  


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

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.

19 August 2015  



25 June 2015  


14 June 2015  


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.

10 June 2015  


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

11 September 2014  


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

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.

08 July 2013  


Outstanding service!!!

04 March 2013  


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.

13 September 2012  


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.

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.

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.

25 January 2012  


very happy with emmanuel,does a great job for us

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

27 December 2011  


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!......

30 July 2011  


05 July 2011  


12 May 2011  


12 May 2011  


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

22 March 2011  


john was frendly and helpfull

20 October 2010  


Outstanding serivce

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

31 July 2010  


07 July 2010  


07 March 2010  


15 January 2010  


03 November 2009  


16 September 2009  


15 September 2009  


Contactable and understanding Mortage Broker.

26 August 2009  


Jon was great

03 August 2009  


03 July 2009  


16 June 2009  


25 May 2009  


08 April 2009  


14 January 2009  


07 January 2009  


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

21 December 2008  


16 December 2008  


17 November 2008  


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

16 October 2008  


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.

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.

16 May 2008  


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.

05 May 2008  


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.

16 February 2008  


16 January 2008  


our consultant was very good

18 December 2007  


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 .

17 December 2007  


good service,We wouldnt hesitate to recomend John

19 November 2007  


17 September 2007  


16 September 2007  


22 August 2007  


Very friendly and professional service

16 August 2007  


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

16 July 2007  


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?

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.

09 February 2007  


for me everything was just right.a good job done

19 January 2007  


18 January 2007  


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

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.

16 January 2007  


20 June 2006  


Very competent, friendly service. Extremely informative and transparent.

02 May 2006  


02 May 2006  


06 March 2006  


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.

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.

02 December 2005  


01 November 2005  


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

03 October 2005  


09 September 2005  


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

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.

18 January 2005  

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