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Gavin Rushack


Average client rating
4.9/5 From 192 Reviews

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I have utilised Mortgage Choice - Gavin Rushack's services for the past ten years. The level of support has always been excellent, and I highly recommend Gavin for your property investment journey.

27 June 2024  


We've been clients of Gavin's for more than 10 years and couldn't be more happy with the service we've received from him. He was recommended to us by another client of his, and we have since recommended his services on to other friends and family. He has great knowledge of his products, is always very responsive to requests and a great communicator.

21 June 2024  


Very happy with the services and support we received from Gavin from the start of our home buying process.
Not only made the home loan process as smooth as it could be, he assisted us with multiple offers on houses and any questions we had throughout this time.
Highly recommend Gavin to anyone looking for a loan. Thanks so much Gavin

21 June 2024  


Gavin is very knowledgeable and has always been available to provide fantastic mortgage advice for us over the past 18 years. I highly recommend his services.

20 June 2024  


Gavin Rushack has attended to our mortgage needs over the past 15 years. Ive never met a more efficient and thorough professional in what he does. I cannot recommend him highly enough. You will not be disappointed.

14 June 2024  


My experience with myself and my wife’s Adviser was always helpful,reliable and got us a great home lone deal to suit us.I would highly recommend smartline. Darryl

31 August 2022  


I have been dealing with Gavin for the past 10 years and his customer service skills are excellent and exceptional and he always puts the customers first.

29 August 2022  


Gavin was excellent throughout the whole process. He was extremely knowledgeable in our initial meeting any the borrowing options available to me, and he was very accessible throughout the finance approval process and settlement. I would highly recommend his services to friends and family.

31 May 2022  


Gavin is a very diligent, personable professional whom I have used as my broker for many years. I highly recommend him. Thanks for your continued support.

01 April 2022  


Gavin was so great in helping us not only successfully purchase our first home, but also in assisting us with a loan for renovations and home improvements. Honestly could not have done this without his expert advice! Would highly recommend Gavin's professional assistance to anyone looking for mortgage or loan advice. Thanks Gavin!

04 March 2022  


Gavin was excellent. He made the process very easy for us. He went out of his way to explain everything to us and he was always available to answer questions. Most importantly, he sourced a great finance option for us which allowed us to buy the house we wanted.

02 February 2022  


Gavin Rushac was an exceptional adviser. No amount of words can ever tell you the amazing service Gavin provided. From day one Gavins service was professional and informative. The service he provided was out of this world. I have already recommended him to two of my friends. Thank you to Gavin Rushac and Smartline for making buying a house a smooth and carefree process.

29 January 2022  


28 December 2021  


Gavin Rushack is an amazing person who took most of the finance arrangement responsibility for my first home loan from the bank. As a first home buyer, I had no experience from where to start, Gavin guided me for each step, provided me customized opinions based on my circumstances for a home loan, and was very friendly and honest in conversation. He kept me informed of the progress of each step that he had to perform, and everything went well and smoothly at the end. I will always remain thankful to him for his assistance in getting me my first home.

07 November 2021  


31 October 2021  


11 July 2021  


05 July 2021  


Very smooth process for two time-poor parents with Gavin Rushack. We particularly appreciated his ungrumbling accommodation of a last-minute change to fix part of our mortgage. We continue to recommend him to others.

30 June 2021  


Gav was really helpful, efficient and very pro-active. He kept us informed all the way through, making the whole application very simple. Best of all he looked over our whole finances and arranged a reduction in our original loan rate - Brilliant!

24 May 2021  


Gavin Rushack combined by investment loan with my share portfolio line of credit resulting in discounted rate and a significant saving to myself. The bank was resistant to this change but Gavin persisted until it was achieved. Very much appreciate

10 May 2021  


Gavin was fantastic to deal with, he kept us informed every step of the way and called foresaw issues coming with a lender which really was painful to deal with.

02 May 2021  


Gavin was very helpful and investigated options well and also in a timely manner. The bank themselves (AMP) were slow to process but felt Gavin helped push them along

06 December 2020  


29 October 2020  


09 August 2020  


Gavin is great! Always available and takes the time to explain the loan structures and options in detail to ensure my understanding

13 June 2020  


Gavin was great. Prompt and professional

08 June 2020  


Very happy with the service from Gavin.

31 March 2020  


Gavin got us a great loan. He was prompt and easy to contact. Kept us up to date on progress. And a lovely man. I would highly recommend him.

10 March 2020  


As always Gavin delivers high quality service and ensures all options are considered

21 November 2019  


My broker found me a suitable loan that I was happy with. He explained it clearly to me and made the process very easy. Thank you Gavin and the Smartline team.

08 November 2019  


No real improvements comments. Gavin was easy to deal with, gave practical advice that suited our needs and made the whole process easy. Highly recommend.

07 November 2019  


I was really grateful for the time Gavin spent explaining options to me and listening to my situation. Extremely prompt replies every time I had a query. And a lovely person to have walk me through the process for the first time. Gavin is extremely professional and I will certainly recommend his services.

02 October 2019  


08 August 2019  


16 May 2019  


Gavin was efficient and excellent to deal with. He kept me informed through the whole process and answered all my questions and advised me every step of the way. A pleasure to deal with and I’ll defin be recommending him to my friends and family

14 May 2019  


13 March 2019  


13 January 2019  


08 January 2019  


This is the second time I have used Gavin to source a competitive home loan for my family, he has deliverer twice. I will continue to recommend Gavin to others!

03 September 2018  


Gavin helped us through our 1st mortgage and now our remortgage 2years later. Both times he was extremely helpful and knew the market completely.
Thanks Gavin.

15 August 2018  


04 June 2018  


17 April 2018  


12 March 2018  


02 January 2018  


Gavin has been helping us with our loans for quite many years. He knows what he is doing and he tries to achieve what clients wants. I am very happy with his service. I hope he can help us maintain our loan for long term.

13 November 2017  


Gavin was highly professional and responded quickly to emails. He took the time to thoroughly investigate the most suitable bank loan for me.

11 October 2017  


29 September 2017  


Great broker, made the loan application and FHOG easy to understand and a smooth process. Thanks Gavin

20 September 2017  


15 July 2017  


Fantastic service from Gavin Rushack at Smartline. He got us a great mortgage deal, delaying papers a day for an interest rate fall to save us .2 of a percent. He followed things up and walked things through when we had issues with settlement. He answered/returned every call promptly and gave unprompted updates when he knew we were stressing out.
Face to face Gavin was friendly, knowledgeable and able to break things down free of jargon. My wife and I couldn\'t be happier and he has won my business for life.

26 June 2017  


I went through Gavin Rushack who was recommended through a friend of mine. He delivered a stress free purchase of my first home and I felt at ease with him as he was very experienced, well organised, well informed and always available to chat over the phone or reply to my emails and questions promptly throughout the entire process. I will be recommending Gavin to anyone I come across.

08 April 2017  


Michael has been readily accessible and has helped us find a loan source which we were unable to obtain through our own bank. Very pleased with the outcome.

16 February 2017  


Gavin is very professional. He remembered my original loan application from a somewhat 5 years ago. Highly recommend him to anyone.
Strong resi lending knowledge.
Responded in a timely manner and if he wasnt able to get back to you straightaway, he made sure he would call back at a specified time.
Overall - excellent service all round.

gavin will be doing all of my future applications going forward.

09 December 2016  


Gavin has been helping us for years - we just purchased an investment property whilst living overseas. Not a simple process but Gavin explained everything and the settlement just went through. Thanks again Gavin!

22 November 2016  


19 November 2016  


10 November 2016  


01 September 2016  


I\'ve known Mike for many years so may be biased in my ratings but never had an issue with my transaction .

18 August 2016  


Very fast and prompt service made things go very smoothly!

18 May 2016  


Gavin has a very pleasant business manner.
He was efficient and informative and I\'d have no hesitation in recommending him to anyone needing financial advice especially with regards to mortgages.

13 May 2016  


04 May 2016  


Gavin was fantastic. Chased up our queries with the bank and always kept us in the loop. We would definitely recommend him.

26 April 2016  


Gavin has once again gone above and beyond as far as we are concerned. He helped my wife through some situations with her name change that were very confusing for her and he guided her through and also did as much as he could from his end to make it easy for her.
We would recommend him to anyone of our friends.

15 April 2016  


Gavin helped us greatly through a difficult eligibility issue. I felt he was professional and very knowledgeable and was a great service.

08 April 2016  


Gavin is fantastic. He is very knowledgable and offers excellent solutions. I would not hesitate in reccomending Gavin.

15 February 2016  


I found Gavin to have a great deal of experience and to go above and beyond with assisting us. His customer service was excellent and in the end we received our desired result.

12 February 2016  


I am most appreciative to Michael for the support he has provided to me on this, and other occasions in the past. Thank you!

03 January 2016  


Great service! I assume number 10 is the positive feedback.

11 December 2015  


27 November 2015  


Gavin was very helpful and easy to deal with throughout the mortgage process. He was professional and provided all the necessary advice and information to purchase a property. I will require another mortgage in the near future to build a house and will definately be using Gavin again.

Thanks again Gavin

Michael Hickling

09 November 2015  


Michael Rushack has always been the best advisor to deal with, he is highly professional and always attempts to answer our million and one questions. We would recommend him to anyone who asks!

22 October 2015  


I found Gavin to be very punctual and always following through with things he said he would do.

10 October 2015  


09 October 2015  


We have used Gavin now for nearly 10 years and he is always thorough with great advice on what are our best options. We still use him even though we are now based in Melbourne and no longer in Perth. Highly recommended!

08 October 2015  


I was very satisfied with the Michael Rushack from Samerline 5 years ago . This year I wanted to refinance my loan but I had since moved Interstate. I was able to do this over the phone and by email easily with Gavin. Thanks

06 August 2015  


Great old school service.

16 July 2015  


Gavin has been very professional, knowledgeable and pleasant to deal with. I would highly recommend his services.

13 July 2015  


29 June 2015  


Gavin was excellent throughout the whole process. He is very knowledgable and kept me informed along the way. It was really easy!

26 June 2015  


07 May 2015  


We were both so pleased with Gavin's professionalism we would not hesitate to recommend him to others .Well done Gavin.Thankyou

29 April 2015  


Gavin Rushack's assistance to us over several years has been outstanding. His depth of knowledge and the quality of his advice are second to none. He took the time to really understand our needs, and I will be recommending him to anyone that I know that is requiring mortgage finance.

16 April 2015  


Great job by Gavin and team - an all under the pressure of an Early Settlement date - fantastic personal attention and followup, thanks, Mark and Marbelle

06 March 2015  


We were very satisfied with the service we received from Michael.....he helped us successfully complete our loan process....was always available, and kept us informed as to the progress of our application......all done now, many thanks.

29 January 2015  


We have dealt with Mike with for all our finance needs and everytime Mike has been exceptional.

15 January 2015  


11 December 2014  


Gavin was great. Recommended to me by my father, and I would recommend him to others. Made the process very easy.

28 October 2014  


We can't recommend Smartline highly enough. Gavin was absolutely brilliant from the start and was always available to answer any questions we had along the way. Thank you so much :)

24 October 2014  


08 October 2014  


We have been very happy with the professional and corteous service that Gavin has provided in helping us arrange our home loan. I would have no hesitation in reccomending his services.

21 September 2014  


18 September 2014  


31 August 2014  


Gavin is a consummate professional, always punctual, utterly trustworthy and very patient. I would recommend him without hesitation to anyone needing mortgage advice.

28 August 2014  


Hi, we have known Mike Rushack for a long time. He has always been our mortgage advisor. He is always genuine, reliable, trustworthy and a great guy to help us with where we are going. I would never get anyone else. Thanks again Mike

27 August 2014  


24 August 2014  


20 August 2014  


I've known Mike for many years and expected a high standard of service from him and my expectations were met . You're company has assisted my family on a previous occasion and would recommend Smartline without hesitation

01 August 2014  


20 July 2014  


Gavin is exceptionally helpful! He has helped me numerous times in the past and I often recommend him to my friends and family. Ever the professional, Gavin makes the whole process easy.

09 June 2014  


03 June 2014  


Gavin was excellent throughout the whole process. Not only was he extremely professional he was always available and answered all of our queries, many of which were outside his remit. I would and have recommended Gavin to other people. I have no hesitation in using Gavin again in the future.

22 May 2014  


17 May 2014  


16 May 2014  


16 April 2014  


My husband and I are very happy with how Gavin Rushack has looked after us from the very beginning. He is very professional and is always there when we have queries. We would definitely recommend him to friends and family.

04 April 2014  


19 March 2014  


Very sound advice

13 February 2014  


Thank you Gavin

08 February 2014  


18 December 2013  


Michael Rushack was the perfect personal mortgage adviser we could have asked for! Michael was extremely efficient, professional and thorough. Michael had a very friendly and warm approach towards us and was constantly in touch keeping us informed on how our loan was progressing. We felt we were in very safe hands and were so pleased and delighted to hear that all was successful! We would not hesitate to recommend Michael to our family and friends for his outstanding service! Thank you.....

29 November 2013  


My wife and I were first time buyers in Australia and Michael was every helpful and informative. We were also in a rather unusual financial position which made getting finance a little more difficult. Michael new all the answers and helped us through the process every step of the way making it as easy as possible for us. Buying a home is always a big step to take in live and when you don't have to stress about the process because your are being supported by knowledgeable professionals the whole process is made a bit more enjoyable. Thank you Michael.

18 November 2013  


We have dealt with Gavin Rushack from Smartline on several occasions now & would never use any other Mortgage Advisers. Gavin is incredibly efficient, extremely helpful & such a pleasure to deal with. We can not recommend Gavin highly enough.

15 November 2013  


12 October 2013  


Gavin was recommended to me by 2 friends and he was great. Very efficient, explained everything well and very personable and contactable. I was more than happy to work with him and am very happy with the outcomes and the quick turnover. Thoroughly recommend him. Thanks

11 October 2013  


11 September 2013  


I was really surprised and happy to get such an excellent and reliable service and advice at every step. Any doubts or concerns were well explained and taken care of. I have already recommended my broker toy friends and family. Keep up the good work.

03 September 2013  


Michael was very professional. He was easy to contact. He kept me fully informed on the process even though I was on holiday some of the time. His support staff were friendly and helpful.

21 August 2013  


Despite our banks poor service and administrative dis-function, Michael persisted in obtaining the loan we required from a different bank for a better deal.

15 August 2013  


Michael's son also helped us while Michael was on leave.He also would get 10 out of 10 for his assistance and help.A great team.

26 July 2013  


23 July 2013  


If it wasn't for Gavin, I wouldn't be in my own home today. I owe him a lot and have already recommended him to family and friends. Hope to have Gavin assist me one day soon in my next purchase.

11 July 2013  


We were totally happy with Mike and his service. He was extremely vigilant in returning any emails/phone calls, even out of working hours. My Dad has used Mike for many years and referred him to us. We would definately use Mike again in the future if we needed to and would happily recommend him to friends/family.

15 June 2013  


I was extremely impressed by the level of service provided by Gavin Rushack. So much so that I have already sent around an e-mail to my friends recommending him. Below is a copy of that e-mail. Feel free to use it. Dear All, I just wanted to announce to everyone that we’ve officially moved into our new house in Sorrento, drop in anytime if you’re in the area. House warming to come so watch this space. Also I wanted to share with you a great experience I had with organising our loan for this property. After coordinating with my personal relationship manager at Commonwealth Bank to get the best comparison interest rate possible, I offered Gav Rushack (a private Mortgage Broker) the opportunity to beat it. Not only did Gav beat it but he beat the Commonwealth Bank’s own offer! On top of that Gav secured all the terms I needed (interest only, drawn down, offset, no fees, etc), he also helped with the offer and assisted with settlement. But the best benefit was Gav changed all my other investment loans at CBA down to the same low interest rate that he secured, this action alone saved me several thousand a year on interest repayments and was something the CBA didn’t mention they could do. On top of that Gav’s service is totally free so it didn’t cost me a cent but saved me many thousands. For all of you out there in mortgage land I would strongly encourage you to check in with Gavin to make sure you are getting the best deal possible, because I am yet to meet anyone who is paying the same low interest rate as the one Gav secured for me. Gav’s detail are below if you are interested– and for the record Gav didn’t ask me to do this I did it because I’m sure he could be of benefit to many of you.

12 June 2013  


My partner and I were very impressed with the service we received from Gavin. He was always happy to answer our question and I would happily recommend him to all my family and friends.

15 May 2013  


03 May 2013  


Gavin put a lot of effort into finding us the right loan. He was professional and kept us well informed.

04 April 2013  


03 April 2013  


Gavin was extremely communicative even with my ever-changing roster, and made everything fit into said roster as though I was there the whole time. Everything went extremely smoothly, and I have the highest regard for Gavin Rushack and the SmartLine company. I will be most definitely recommending this company to anyone and everyone I meet that is intrested in buying a property.

14 March 2013  


We were most impressed with Michael Rushack's expertise, his clear and concise advice and his prompt attention and solution to all the queries we raised. It was a pleasure working with him.

13 February 2013  


We ha many unforseen difficulties including my working arrangements, less than perfect credit history, deadlines, documents getting lost in the mail, incompetent bank people, inexperienced settlement law clerks, inflexible vendors. I believe Michael Rushack went way and beyond his usual calling to assist me in getting this settlemnt to happen. Certainly without Michael's dedication and committment, this settlement would not have happened and would have cost me a significantly greater amount of money. When I get the opportunity, I want to take Michael out, or at least buy him and his family a night out at a restaurant in appreciation for his efforts. I Smartline have an 'awards night' Michael certainly deserves the top award for most dedicated, professional, tolerant, punctual, supportive (I got quite depressed by it all at one stage), broker. When I wasnt there ( I work in the outback where even mobile phone coverage is difficult) Michael sought the extensions in time, negotiated for extended settlement with owners, dealt with my solicitors.... I cant say enough! Michael, right now from Hope Downs, somewhere in the Pilbara, Thankyou, Thankyou, Thankyou!

27 January 2013  


Gavin has helped me twice in 12 months with home loans and couldn't fault him with any of his help and advice. He kept me informed via email & phone calls even after the loan went through.

25 January 2013  


Having dealt with Gavin on previous loans, he again was fanastic throughout the process. We felt informed and at ease during the entire transaction.I wouldn't have any reservations recommending Gavin to friends and family, and already have.

21 January 2013  


09 January 2013  


03 January 2013  


Michael is second to none when it comes to mortgage advice.I have been using him for the last 11 years and have been completely satisfied with his guidance,advice, understanding and knowledge. He is the guru!

27 December 2012  


14 December 2012  


11 December 2012  


Gavin was invaluable in assisting me purchase my first home. I have already recommended him to many firends and family.

23 October 2012  


Michael Rushack was very helpful and provided advice that was appreciated.

15 October 2012  


05 October 2012  


In addition to being extremely professional, attentive & knowledgable I found Gavin to be a thoroughly charming & handsome young man. Overall a wonderful experience!!

02 October 2012  


Michael Rushack is so professional, experienced, knowledgeable, pleasant, helpful and polite. We recommend him to our friends and family at every opportunity. He is a true gentleman.

11 August 2012  


27 July 2012  


Wouldn't go anywhere else, always helpful and approachable, very good with us being small business owners, thanks Michael.

22 June 2012  


Gavin has been our mortgage adviser for over four years now and has dealt with a purchase of our current property, two draw downs and a further purchase of an investment property. He is also now dealing with the purchase of a new piece of land and build. Highly recommended, very personable and attentive.

09 June 2012  


We are very grateful to Gavin for guiding us through the process of re-mortgaging. One aspect we found very helpful was the fact that Gavin was available to come to our home to discuss our options outwith normal office hours.

06 June 2012  


My husband and I felt very confident throughout our dealings with Michael Rushack at Smartline. Michael was patient when our needs changed, he always followed things up and was easily contactable, which we really appreciated. The offer to sit down with us to clarify and complete our settlement agent papers was an example of how Michael 'goes the extra mile'. Knowing someone is working genuinely with our best financial interests in mind was very reassuring. Thank you Michael.

17 May 2012  


Michael is always very efficient and is very quick in responding to any queries. His honesty and knowledge is outstanding.

05 May 2012  


30 April 2012  


30 April 2012  


Gavin was excellent. He was organised, knowledgable and kept us on track. No question was too "dumb" and he was patient in his explanations to us. I would definitely recommend to others.

27 March 2012  


This is the second time I have dealt with Gavin and he has been exceptionally helpful and reliable both times. I cannot speak highly enough of him and will certainly be passing his name onto my family and friends.

21 March 2012  


Gav provided exceptional service, including a home visit after hours and was very efficent as well. Kept us well informed on the process and time line schedules as well as a through review of a number of different loan configurations.

14 March 2012  


17 January 2012  


When I met with Gavin, I found that he listened to what I was asking for. He then understood what I needed and managed to find a lender that could provide me with what I required when I couldn't get it on my own.

03 January 2012  


28 December 2011  


Gavin helped in an unusual situation and managed the entire process for us. He was helpful and quick to respond. Highly recommended!

24 December 2011  


Due to Christmas approaching, we had set a challenging finance and settlement time window. Even though Michael was on leave, he still managed to get the process underway while out of the office. This ensured that the loan approval was attained on time. Thanks again.

20 December 2011  


My SmartLine adviser has just helped me with the purchase of my fourth property. I have always had complete confidence in the knowledge provided by my adviser and have had yet another pleasant experience. I will continue to utilise SmartLine on further property investments and gladly refer new business their way.

12 November 2011  


Gavin remained helpful throughout the process. He explained everything in an easy to understand "jargonless" way and helped me to feel comfortable asking dumb questions. He kept us in constant awareness of where we were in the process and was accessible when we need to ask points.

09 November 2011  


Gavin was very professional and extremely helpful. This home loan was a much more personal approach than that which I had previously received from banks.

11 October 2011  


We really appreciate the excellent services and advices. Gavin and Michael Rushack gave us wonderful information and they were so helpful. we couldn't do everything smooth without them. Thank you so much. We hope to see you again. Hiro&Riyo

24 September 2011  


Absolutely brilliant service, completely impressed and would happily use this service again. Our adviser suggested a form of mortgage we were unaware of, freeing up thousands of dollars we used to start another business. These are the people you need in your life!

15 September 2011  


I have used Michael a few times, and in each instance his service has been impeccable.Our last mortgage was not straight forward and he explained in depth which mortgage was best for us and our situation. I couldnt recommend Michael high enough.

25 August 2011  


11 August 2011  


It was a painless process to get my loan, thanks Michael.

20 July 2011  


my family and i will continue to use Gavins sevices

20 June 2011  


09 June 2011  


18 May 2011  


07 April 2011  


Nothing else really. Gavin even responded to my calls on the weekend and during public holidays. This was very handy especially as I also work full time.

24 March 2011  


I've lnown Gavin since we arrived in Australia in 2007, he helped us greatly then, and has been a fantastic help to us this time around too. Has a great approach, knows his job, and puts people at ease.

14 March 2011  


05 March 2011  


08 December 2010  


We have previously used Gavin in his role with the Commonwealth bank. Gavin is attentive, but not overbearing and makes contact when he needs to - just right.

07 December 2010  


20 October 2010  


19 October 2010  


Michael Rushack has been my advisor for many many years and constantly has always showed me he is invaluable, especially the last year when I found myself with my children alone and needed his help with getting my own loan and then refinancing. We have had a battle with getting this but he has stuck by me all the way and helped me get the results I needed. He has been an absolute stong support to me through it all and I cannot express enough my appreciation for everything he has done. He is an absolute blessing and I dont know how I could have done this without him. He is an absolute Lengend!!

13 September 2010  


Nothing to comment, excellent service as expected. We will be back to Gavin for our next loan in the future.

11 September 2010  


10 September 2010  


24 August 2010  


12 August 2010  


I woluld like to thank Michael for all his help. Michael was extremely profesional in his dealings with myself and my parents. I could not of asked for a better level of service. I have been a customer of Mortgage Force for several years and would not go anyware else.

10 August 2010  


03 August 2010  


21 July 2010  


I've had a couple dramas with my bank making errors post settlement. I tried to sort them out first by myself but it was frustrating and time consuming as I was being given the run around. But when I got mike involved, the issues were all sorted out for me and without stress

28 June 2010  


03 June 2010  


I had used Mortgage Choice previously (2003)and found the file I was given to keep my documents in very handy. This time I was not given anything to put my documents in and I was disappointed. I know it is only a little thing but it is the little things that sometimes make a big difference between lenders.

14 February 2010  


I thought the service, expertise and professionalism was outstanding there is unfortunately nothing I can add as everything was perfect. Thank you so much.

30 December 2009  


-Michael was very helpful and provided helpful advice.

29 December 2009  


In our case it would have been advantageous for the process to have been pushed along to formal approval stage earlier instead of assuming that the bank had all the information it required for approval to be granted.

01 December 2009  


21 November 2009  

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