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Kapil Nepal


Average client rating
4.9/5 From 496 Reviews

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11 January 2023  


Kapil made us feel comfortable and reassured from our first meeting to post-settlement. As a first-home buyer, Kapil assuaged all our concerns and was available to answer any questions we had. He made us feel very confident about making the right decision and we are extremely grateful for all his help
I highly recommend Kapil and his team to anyone requiring trusted, professional mortgage broker services.

03 January 2023  


As a first-home buyer, Kapil assuaged all our concerns and was available to answer any questions we had. He made it easy to understand our loan obligations and how the payment structure works. I felt comfortable and reassured throughout the home-buying process.

02 January 2023  


Kapil and his team provided me exceptional service with very helpful advice from hunting house to buying house.Very trustworthy and very satisfying. I can highly recommend this team to anyone. Thank you Kapil and his team

15 December 2022  


Mr. Kapil has been very professional, approachable and flexible since the day we started our home loan journey. He has been patient and makes sure his client has a clear understanding of the process before he proceeds. I am so grateful and glad to have received the service from him.

23 November 2022  


It was very pleasant dealing with Kapil Nepal and the team. He was very helpful in helping me get my first property. He is always there to assist you with any enquires you may have and always available. I personally had a good experience dealing with Kapil Nepal and his team.
If you are after professional experts that know what they are doing i would highly recommend Kapil Nepal and the team at Mortgage Choice.

08 November 2022  


Great service in friendly and professional manner

03 November 2022  


30 October 2022  


I have been with them since 2016 and I can honestly say that they have been outstanding in their service. I have done two recent refinancing. They have been Very professional, prompt and always there for their customers.

12 October 2022  


10 October 2022  


Kapil and his team has demonstrated their professionalism to the highest level. Kapil has taken care of my mortgage since last few years. I never had to spend a single minute thinking about it since then. What is great sense of relief and piece of mind. I have not met other members of Kapil’s team however their interaction with me tells me that their work ethics and professional is no different that what Kapil holds. Great team, thank you so much for making my life easy and looking after my mortgage, can’t appreciate enough.

05 October 2022  


Kapil and his team were excellent with planning, and executing our investment loan. With his expertise in mortgage brokering, we had flawless experience from browsing to settlement. Kapil is very honest, informative and easily reachable throughout the whole process giving us the confidence and assistance I needed to buy our first investment property. I Highly recommend their service to anyone.

29 September 2022  


28 September 2022  


Kapil is highly professional, good communicator and clients oriented. He always puts clients first. He is reliable, honest and trustworthy broker. I would highly recommend Kapil for home loan advice and needs.

07 September 2022  


Kapil dai was very helpful throughout the loan process. Not only loan, he was happily available to help us review different homes as we are first home buyers and were unsure about a few different things. He provided us clarity in every step of the way.
Nabin was also available to help during our loan process and his explanation on what was required was excellent. Would definitely recommend both.

31 August 2022  


As always great advise and service. Thank you
Kapil dai for your help

29 August 2022  


Kapil dai has been a huge help with choosing the right lender and understanding the home buying process. As a first home buyer, we needed guidance on each and every step and he has been there to help us with any queries we have had. Additionally, even after the settlement, he has offered us his service to review if our mortgage is the right one for us and provide continuous ongoing service. I highly recommend his service.

16 August 2022  


Devendra s

16 August 2022  


I had a pleasant experience working with Smartline and staffs associated with my case. I was able to receive best advice from them and found a great deal. They were always available for any advice and discussion on and beyond office hours without any hesitation. I am very grateful for your help! ????

06 August 2022  


The best quality was very professional and very good customer service. Always call you back and answer all questions

05 August 2022  


We are extremely happy with the service provided by Kapil and his team. He has been exceptional in providing advice and needed support in completing the loan process. I highly recommend Kapil and his team.

03 August 2022  


Very proactive team; Kapil & his collegues have always ensured we are in the best possible position in terms of the interest rates. As of now I am really happy with the team and will be approaching them for any future service from Mortgage broker.

28 July 2022  


Very good service , very professional and always returns your call, answers all the questions patiently. Very happy with Kapil service. Highly recommended

26 July 2022  


A name you can trust and rely on

22 July 2022  


Kapil Nepal is very friendly and approachable. He listens to your financial goals intently, and carefully recommends the options that match your circumstances. He is very thorough to layout the risks and benefits of each option, sometimes happily spending hours on phone to meticulously articulate them.

If you're thinking about mortgage and/or lending solution, having him by your side is definitely an asset. His vast experience in the sector, combined with the penchant for weighing risks against rewards with the longer term view is certainly commendable.

17 July 2022  


Excellent service

17 July 2022  


Me Kapil Nepal and his staff are very down to earth and polite. The explain each and every thing in detailed. They keep track of your loan process and update you as needed. I have my both home mortgage done by smart line and I am very much thankful to MR Nepal. I appreciate everything you guys have done . Thankyou is a small word for what you have done . I wish you all the very best.

15 July 2022  


Very good service
Jen k

15 June 2022  


Excellent service and communication really impressed. Really happy with all advice and suggestions.

15 June 2022  


Kapil Nepal continues to provide us excellent advice and great service on all aspects of home loans. He and his team are quick and extremely reliable and always look after their clients. I would highly recommend him for anyones mortgage needs. Thank you so much!

14 June 2022  


Bibek is a great treasure and provide right information anytime. Even when busy with family and different situation when his dad passed away always ready to help and provide information when required.

10 June 2022  


Brilliant service and easy to contact when you need the most. I would like to recommend with smart line and you wont regret it. Looking forward to work with Smartline in near future. Thank you for helping us.

31 May 2022  


We are endlessly grateful for Smartline-Kapil Nepal and Team's incredible support, fabulous customer service, careful planning, excellent advice and expertise. Since beginning, we are with Smartline-Kapil Nepal and recently we refinance with the best deal. We are thrilled and extremely happy with the service and absolute professionalism of Smartline-Kapil Nepal and team. It will always and forever be our Go-To.
Sharad Neupane and Pooja Gautam Neupane.

19 May 2022  


25 April 2022  


16 April 2022  


Before advisor/broker, Mr. Kapil Nepal is a good and trustwrothy man.Cant go wrong with him !!

23 March 2022  


We had a wonderful experience with Mr Kapil and his team. We are happy with the communication,recommendations and advices. The best part of Kapil and his team is they are reachable anytime of the day. Kapil has been in this business since long time and his experience helped solve complex issues. Kapil and Utsab were both super responsive and fantastic to deal with and despite all the changes went out of their way to get the absolute best deal they could for me. We would highly recommend Kapil and Smartline for the Mortagage, if you are buying a property.

18 March 2022  


Bibek is very knowledgeable and knows about the best options which will help us. Was very nice to deal with him.

11 March 2022  


Kapil has helped me in 2 new home loan applications and 1 recent refinance. Kapil has been exceptional in providing advice and needed support in completing loan process. I highly recommend Kapil as a broker. I am sure he will do his best everytime he's assigned to a task.

20 February 2022  


Truly professional, helpful, thoughtful and trustworthy and know what they talking about.

12 February 2022  


We approached Kapil Nepal to help us with our finances to purchase our first home. The experience we have had was amazing specially when we had no clue about how all it works. Kapil guided us through each and every step and explained everything in a manner that we could understand.
Very knowledgeable and very helpful. Also helped us locking a good rate with the bank too.
Thanks Smartline Team

28 January 2022  


Nabin was helpful throughout my loan and refinance process. We are happy and get what we needed. He hand answers all our questions at any time we needed. Nabin has done best for us in professional way to our home loan.

26 January 2022  


East west Kapil nepal and team is best

24 January 2022  


21 January 2022  


My loan process was very easy and I have been well informed and consulted with best type of loan

31 December 2021  


Constantly in touch and offering his services, following up through the entire process

30 December 2021  


Kapil and Team are exceptional with their service. Not only they provide better rate loan they also monitor the rate change and advice us to change to lower rate when its available. Team processed my 3 loans and all went smooth. Thanks team for all your hard work.

29 December 2021  


Excellent Service. He is Professional, friendly and approachable. He made difficult process smooth to get our first property. I highly recommend him for his service & mortgage advice.

29 December 2021  


Very friendly and responsive

17 December 2021  


Very professional services with homely environment. Really appreciated

16 December 2021  


The service is excellent. Staff are approachable and polite and willing to assist all the time. Always provide genuine advice and maintain professionalism.

14 December 2021  


Kapil was good in explaining options & directing in the correct way

12 December 2021  



08 December 2021  


Kapil and his team are highly professional. Kapil is a great communicator, organised and very helpful. We are extremely happy with his service and we recommend his team for home loan needs. ??????????

04 December 2021  


22 November 2021  


Bibek is very professional and prompt with all updates and on top of everything and reachable.

18 November 2021  


Kapil explained us the mortgage process and different options in detail. Always ready to answer our questions and helped to make the informed decisions. The whole process was smooth with the help of Kapil.

08 November 2021  


25 October 2021  


21 October 2021  


Mr Kapil from Smartline is an outstanding professional. He possess immense level of experience and information. Kapil has guided and eased the process of mortgage without any hassle. It was a pleasure doing business with Kapil. I highly recommend Kapil if anyone is interested in diving into property market.

15 October 2021  


Kapil Nepal has always been very professional and humble and polite at the same time. We are with him from last 5 years and he has never let us down. He is someone I could trust. Thank you Kapil Dai.

22 September 2021  


Kapil was very professional with the whole loan process. We were informed about every step involved, all the calculations were accurate and we were at peace of mind at all time. Will surely go back to him in future and recommend friends and family.

21 September 2021  


Very friendly and professional service. I was provided with various loan options from variety of banks.

20 September 2021  


Excellent service , highly recommended

15 September 2021  


We had a very good experience with Kapil from Smartline and his team.
Kapil was always responsive and proactive during the loan process. His professionalism and knowledge were outstanding. He went the extra steps to make everything happen on time. They offered me a better rate and lower cost and we settled in a couple of months. Overall an A+ experience. Highly recommended them!!

12 September 2021  


It has been a great experience with Smartline. Kapil was always present and answered all of our questions with patience and gave all the necessary information. Definitely recommend.

11 September 2021  


We would highly recommend Kapil and his entire team as a trusted financial home loan broker. these guys were so professional, efficient, responsive and helped us to choose better loan option for us. we were updated every single information. we would definitely use their services again and again in the future.

09 September 2021  


Very professional and prompt service from Kapil and his staff. Will work with him again in the future.

07 September 2021  


Best service providers. Would definitely recommend to family and friends.

05 September 2021  


Professional service and advice provided by Utsab. Moreover, he was always a phone away for any help we needed.

03 September 2021  


Our Adviser Mr. Kapil Nepal and his Smartline team are doing excellent job. So, We are very happy and satisficed client and proud to choose Mr. Kapil. Keep it up. Thank you so much.

31 August 2021  


Utsav was very professional and pro-active. My refinancing request was handled smoothly. Very happy with Utsav and smartline team. Highly recommended.

12 August 2021  


06 August 2021  


My adviser has wealth of knowledge and experience. Always helpful and fantastic service…

06 August 2021  


02 August 2021  


19 July 2021  


Great service. Would definitely recommend.

14 July 2021  


Very approachable,thorough knowledge,ready to help anytime,fair advice

13 July 2021  


Absolute satisfaction.

08 July 2021  


We believe one of the important decisions in the home buying process is choosing the right agent/broker and as we already have my first home, now we can say that we made that decision correctly. (Professional, expert and supportive).

06 July 2021  


It was an amazing experience with Kapil Nepal from Smartline. We never thought applying for home loan and buying home will be so smooth and hassle free. Highly recommend!!

03 July 2021  


24 June 2021  


Kapil jee and Nabin jee were very professional and helpful with their sound knowledge through out the process. I would definitely going back to them in the future. Also i would highly recommend to everyone.

14 June 2021  


We had wonderful experience with them.They provide very professional and quality service.

13 June 2021  


Be it whether applying for a new home loan or refinancing, Kapil has always provided me with the best possible options available. Kapil has always addressed my queries or concerns very promptly. Service excellence is always assured.

09 June 2021  


Kapil went above and beyond to help me finalise my loan. I will recommend him highly to my friends and family.

03 June 2021  


It was really helpful to have Kapil Nepal from Smarline Mortgage to refinance our loan. He had suggested us with best interest rate according to our current circumstances. We would recommend Smartline to our friends and family as well. Thank you.

02 June 2021  


Utsav was excellent at his job, was very professional and flexible, always updating us via email and phone calls about the progress of the application. I would highly recommend to any of my family and friends any day. Thank you so much utsav.

26 May 2021  


21 May 2021  


17 May 2021  


From start to finish, Utsab has provided exceptional service. Customer focus and extremely detail every step of the way. Utsab was ready to help any time of the day either early morning or late evening, he was there for us.Highly recommended service

15 May 2021  


Highly satisfied with this team. They response anytime all the time.

12 May 2021  


Excellent service. They are all very professional with a client focus and deadline oriented.. highly recommended....

12 May 2021  


I have been served with highest level of professionalism. Some of the advices were even beyond my expectations. Best people in the industry.

10 May 2021  


02 May 2021  


They are very experienced and professional people. They guided us from the beginning to the final stage of the overall process. I was satisfied with their service and will definitely recommend my Adviser to friends and family.

30 April 2021  


Comfortable in dealing with Smartline. Please keep the good work going.

12 April 2021  


Good Service!

06 April 2021  


27 March 2021  


23 March 2021  


Kapil was the person to go.Thank you so much for your wonderful service and guiding us throughout the process right from preapproval to settlement. we couldn't have reached a better person than Kapil.we will not miss to refer our friends to you.

23 March 2021  


“Absolutely! one of the best of the best Adviser”
The best guidance for the frist home buyer.Completed whole process so smooth and nicely. Thank you for your time, care and support.(Amazing)!!

22 March 2021  


We are very grateful to work with Smartline Personal Mortgage Advisers especially Utsab Bhaukaji as he was very helpful and supportive throughout our entire journey for securing our dream home. We really want to thank you from our bottom of heart.

18 March 2021  


I highly recommend smartline. Kapil and the team guided and answered all my queries profoundly throughout the mortgage process.

17 March 2021  


Fantastic service and advice was provided, Kapil and Nabin were great person to deal with.

17 March 2021  


Kapil is an outstanding mortgage adviser. Very professional and helpful.

14 March 2021  


It was great experience with Kapil Nepal throughout our loan process. Kapil and his team has been great and will definitely recommend them to our circle in futude for anhmy financial advise.

10 March 2021  


08 March 2021  


It was great experience with smart line

02 March 2021  


28 February 2021  


Kapil sir advised us and guide us in right direction.
He guided us every step .

27 February 2021  


06 February 2021  


03 February 2021  


01 February 2021  


Highly recommend Kapil and his team from smartline, Parramatta, very professional and polite. Willing to answer every question patiently. He was very clear with all options available and select the right one for us. Thank you ??

25 January 2021  


22 January 2021  


Kapil was very thorough and patience. He took his time to explain everything about the loan process. He is well informed, proactive and transparent. Well Done!

18 January 2021  


14 January 2021  


Friendly and personal with highly professional service.

12 January 2021  


06 January 2021  


The service I got from the Smartline fabulous. The team members are very experienced. They guided each and every step previously.

04 January 2021  


Kapil and his team were very supportive throughout the process. As we had some hiccups along the way regarding the process, but having their support gave us the chance to have our first home. I would recommend them to everyone.
Once again I would li

03 January 2021  


Satisfied with the service

27 December 2020  


Kapil is very loyal to his clients and easy to reach. He provides all detail information in very clear manner. His prompt response and readiness to every queries demonstrate his knowledge and professionalism.

24 December 2020  


No comment

14 December 2020  


It is always fantastic working with Kapil Nepal and Smartline. They make the process really easy and comfortable. The help and guidance to complete all the required documentation and getting bank approval through are instrumental.

05 December 2020  


Kapil is a very trustworthy individual and a great asset to your institution. We are very happy with his guidance and thank him for all the support he gave us that made buying a house a reality.

28 November 2020  


Extremely satisfied from the way Kapil Nepal handled our loan process. He is very helpful and easy to approach during the process.Kapil made the process real quick and maintained a personal touch with us, giving us confidence in what was happening.

22 November 2020  


Fantastic work from Kapil sir and his entire team.
Awesome experience.

16 November 2020  


I am glad and please to get such a huge support to get my home loan finalised in a right way. I would like to thank SmartLine Kapil Nepal Team a lot. Thank you so much.

14 November 2020  


It was an amazing experience working with Kapil Nepal. He was very professional and was great when it came down to finding the best solution for me irrespective of a timeframe. He always had time to talk to us when we had questions.

08 November 2020  


We are really pleased with the service we received. Kapil Nepal is highly professional. He kept us updated with any changes and progress of the application. We would highly recommend Kapil Nepal. Thank you Kapil dai for all your effort.

31 October 2020  


I have found him very friendly, show great passion on explaining each abd every steps to go through all the way till the end. Strongly recommended Adviser.

28 October 2020  


Very well organised and cooperative agent- Kapil Nepal.Best solutions. Would strongly recommend to others.

27 October 2020  


Kapil made us very clear with all the things to make it easy way for us.

12 October 2020  


Kapil Nepal's "Attention to detail" is the best thing about him.

07 October 2020  


We are very satisfied and happy with the service provided by Kapil Nepal. He is a through professional and friendly at the same time. He had absolute paitence in responding to all our querries and questions regarding the loan options & other variable

05 October 2020  


Great working with Kapil.

01 October 2020  


Kapil endeavors to build lasting relationships instead of performing on off transactions. He kept us informed all along and provided valuable guidance in helping us choose the right product. An absolute pleasure to have him as our mortgage broker.

28 September 2020  


It was really great experience with smartline while refnancing my home loan. fantastic experience with Kapil Nepal.

22 September 2020  


09 September 2020  


08 September 2020  


Thank you team

20 August 2020  


As always someone i can lean to get right Advice and service. Thanks Kapil and Team Regards
Krishna Upadhyay

11 August 2020  


Very approachable and always available

09 August 2020  


Over all good service; however, service could be improved certain level. Bit disappointeid...

05 August 2020  


05 August 2020  


After the taking over the loan, interest payment date was put different date than desired. Called the person but instructed to call Combank which is not expected. I called Combank but waiting time was longer than 2 hours. Inexperied consulatnt..

03 August 2020  


Kapil is an astute professional. His timely guidance and support helped us secure finance from right provider within timelines.

27 July 2020  


The best broker you ever get for your loan arrangements.

25 July 2020  


23 July 2020  


13 July 2020  


30 June 2020  


Always contactable and valuable advises...

30 June 2020  


Excellent service

30 June 2020  


I would like to thank you Mr.Kapil Nepal of Smartline for his best financial service towards client for entire home buying process and until settlement.Highly recommended for everyone.

26 June 2020  


Great service!

21 June 2020  


16 June 2020  


05 June 2020  


01 June 2020  


Kapil has been very helpful and a wonderful support during our journey of acquiring our first home. He is very professional and helped us through every step, answering all our queries and advicing us adequately.

12 May 2020  


07 May 2020  


Kapil has been extremely helpful in sorting our mortgage. He has guided us through every step of the process and has even assisted us in things outside of his remit. Kapil never missed a beat when it came to communication. We could rely on Kapil with our eyes shut. Would recommend Kapil for all sorts of financial needs.

05 May 2020  


Kapil Nepal was very prompt and professional. His timely communication and commitment to find the best products for our individual needs is commendable. Would recommend Kapil to anyone looking for loan advice and assistance.

26 April 2020  


Going through this mortgage process with Kapil Nepal, we felt so honourable the way he looked after us. We both my wife and I are pleased with the service.

13 April 2020  


Working with Smartline has been efficient and comfortable. Highly professional and dedicated to customer needs and satisfaction.
I will highly recommend Smartline to my friends and colleagues who are looking for home loan and other services.

07 April 2020  


Very professional, quick in response,very knowledgeable about what they do, willingness to help anytime of the day.

05 April 2020  


5 star service!

31 March 2020  


Great experience

15 March 2020  


Thank u for all ur effort that u put throughout the process..time management and the follow ups that u did with various stakeholders was really big help for the approval of the loan effectively

27 February 2020  


We had a very good experience with our advisor. I think it would be easier for the clients to have a good recommendation of conveyancers as well.

22 February 2020  


I had great experience with Kapil Nepal. He is very professional and keeps his client upto date with loan application. I will highly recommend him to my friends and family.

17 February 2020  


Great advice, I can contact when I need Kapil. Happy to refer friends and family.

05 February 2020  


Kapil has been very helpful and a wonderful support during our journey of acquiring our first home. He is very patient, professional and helped us through every step, answering all our queries and advicing us adequately. Will definitely recommend Smartline to anyone out there looking for Mortgage Advice. Thanks Kapil & team!

04 February 2020  


24 January 2020  


I had a great experience using kapil nepal as his team . They were very knowledgeable and gave me all the information I need in an easily understood format and I will definitely recommend Kapil nepa and his team to everyone who is looking for a loan .amazing work .
thank you very much

19 January 2020  


This is our second time dealing with Kapil for our home loan. He has been very professional and guided us to find the best deal for our home loan. Highly recommended for anyone looking for an experienced mortgage advisor.

15 January 2020  


09 January 2020  


I had a great experience using Kapil Nepal. Kapil is very knowledgeable and gave me all the information I needed in an easily understood format and I wouldn't hesitate to recommend to others.
The process with the mortgage went as easily as I could have hoped for and no doubt that had a lot to do with the assistance I was provided.
Timeliness was excellent and I always felt very well supported throughout the process. Thanks!

05 January 2020  


I had a great experience with Kapil Nepal. Kapil is very knowledgeable and gave me all the information I needed in an easily understood format and I wouldn't hesitate to recommend to others.
The process with the mortgage went as easily as I could have hoped for and no doubt that had a lot to do with the assistance I was provided.
Timeliness was excellent and I always felt very well supported throughout the process. Thanks!

29 December 2019  


27 December 2019  


Fantastic customer service

26 December 2019  


Kapil was extremely helpful and very sincere about this service. Highly highly recommend him??

25 December 2019  


Always receiving Professional services and great outcome ????

22 December 2019  


17 December 2019  


15 December 2019  


Kapil is very qualified and professional mortagage broker. We have dealt with Kapil 2 times and both the times it was a positive outcome. He will never let us down. Answering our calls and advising us while on personal holidays, public holidays is just mind blowing. If plan A doesn't work there is always a Plan B with Kapil and he will ensure settlement goes smooth. I highly recommend Kapil if you are looking for the best rates in the market and high success with your loan approvals. Thanks again Kapil for everything you have done.

11 December 2019  


Very professional and the whole process was smooth. Very knowledgeable as well.

11 December 2019  


01 December 2019  


Wonderful personalised service

27 November 2019  


26 November 2019  


Experience with Kapil Nepal was thoroughly satisfactory. He guided us at each step and explained to us everything very clearly in the entire journey from inception until now. Kapil's years of experience in the industry enables him to provide accurate information. He was very patient while answering our queries. We trust him with our financial advises which goes beyond the mortgage alone. I highly recommend Kapil if you are looking for the best rates in the market and high success with your loan approvals.

24 November 2019  


I found kapil as a very confident person at his work and he guided me very well throughout the process.

20 November 2019  


All time every step helpful
Kapil Nepal is a legend for all your queries and genuine suggestions .
Trust them you wont regret

23 October 2019  


Amazing service from Kapil , it has been an absolute pleasure to have him looking after my interest when it comes choosing financial institutions for my mortgage .

Thank you Kapil for your amazing service

Arun and Jyoti Timilsina

22 October 2019  


Kapil is very qualified and have detail information about it and always shows right and correct procedures to help the new buyers in the market. He has provided great support during our times

21 October 2019  


06 October 2019  


I really appreciate the effort Kapil and team made to make sure my loan approval process was smooth and sound. Even when Kapil was overseas, he was available to give me financial advice that I needed.

03 October 2019  


Really good service and really helpful. We will recommend to our family and friends to choose smartline.

30 September 2019  


Very professional and helpful throughout the process

23 September 2019  


15 September 2019  


Well detailed view of finance and service. Professional attitude and took care of everything required.

12 September 2019  


05 September 2019  


Highly professional service and support

05 September 2019  


Very helpful and genuine

28 August 2019  


Kapil is very helpful & easy to work with.

21 August 2019  



20 August 2019  


Very good customer service and knowledge of product.

19 August 2019  


08 August 2019  


Advisers need to be more proactive and should have alternative solutions for customer so that if one didn't work out other could be put in action without any delay.

06 August 2019  


I can describe Kapil Nepal as a mortgage adviser is a great professional & is very honest with his profession & duty. The way he approaches with his client is an absolute pleasure & the experience & service we had with him was a tremendously delightful. I recommend all new & investment property buyers to get his service & I am confident, you will get the best out of him. Kapil Nepal, a true legend & gem for a Smart Line company.

24 July 2019  


It was a great experience working with Kapil at Smartline. He is always helpful and cooperative.

Thanks for all your help.

23 July 2019  


Excellent service.Helped to choose the best option available.

13 July 2019  


Kapil is quite knowledgeable person. He first explained us on the basics of fixed & variable interest loan and pros & cons of both. Which really helped us to pick the good product for us. He extends his hours to attend us and help in filling the bank documents and fast processing.

11 July 2019  


So always...Kapil went above & beyond what we expected from him.
A pleasure to deal with, helpful & listens...Thank you Kapil.

05 July 2019  


23 June 2019  


19 June 2019  


Thank you

05 June 2019  


17 May 2019  


13 May 2019  


25 April 2019  


12 April 2019  


It was a great experience. Kapil was really helpful throughout the process. Thanks.

09 April 2019  


07 April 2019  


Kapil was always available to assist and also guided really well before settlement.

30 March 2019  


We were referred to Kapil by a friend, we really liked his professionalism and great knowledge of the subject matter.
For sure will refer him to friends n family.

21 March 2019  


Mr. Kapil, undoubtedly is the best mortgage advisor any home owners can ask for. With the wealth of knowledge in his field he is always up to date to the market and serves his client in the best possible way.

14 March 2019  


Kapil Nepal has helped us to overcome from an unsettling situation. He took initiative to involve personally right from the beginning till the end. The whole process was made so easy due to his personal commitment. He negotiated the best possible rates for us.

I really appreciate his service and would highly recommend to anybody looking for mortgage related services.

02 March 2019  


19 February 2019  


very professional service and kept us informed all the time, happy customer

11 February 2019  



07 February 2019  


01 February 2019  



07 January 2019  


Kapil Nepal was pleasure to have as a mortgage adviser. He was very easy to get along with any enquiries even after the office hours without any hassle. In just a short period he advised us to choose the right home loan and make our dream comes true to buy our first home in Australia. I would definitely recommend his service to any of my friends and families.

02 January 2019  



26 December 2018  



23 December 2018  


Very good at what they do

20 December 2018  


He is really good.
I would l love to work with him again in future.

11 December 2018  


03 December 2018  


29 November 2018  


01 November 2018  


Great customer service and pleasure to meet to deal with.

30 October 2018  


I am very happy with the service provided by Kapil Nepal and Team.

20 October 2018  


He is sk ma b helpful, which cant ne described .
He deserve 10 out of 10
Incredible hardworking,
Hats off

17 October 2018  


01 October 2018  


We have the best experience on the process.

25 September 2018  


22 September 2018  


It has been a pleasant experience talking to Mr Kapil Nepal. A genuine service that helped me through my process. Five star is the least I can do.

05 September 2018  


Friendly and guided advice.

05 September 2018  


All good..

03 September 2018  


02 September 2018  


Please continue being the same. Great work Kapil!

14 August 2018  


Very good and excellent service and coordination.

13 August 2018  


A great service, tireless, reaching above and beyond.. available at any time with effective services.. very thankful to Smartline and in person, to Mr Nepal.

05 August 2018  


09 July 2018  


29 June 2018  


Have a customer community hub where people collaborate and could be moderated by Smartline

27 June 2018  


A thorough professional! We bought both of our property through him. Made buying process so easy. Ongoing support not only during buying but after that as well. Highly recommended

21 June 2018  


We are dealing with Kapil for the 2nd time and this time for our 2nd Property... He is always helpful and reachable any time... He always gets the good interest rates... In other word peace of mind... Thanks Kapil...

08 June 2018  


Just wanted to let you know that during shorfall authority amunt before the Land Settlement week may not be exact as discussed 2-3 months earlier before the settlement. So have to give heads up to the clients and email solicitor 2 weeks early as well so that we are all on the same platform.

03 June 2018  


Very Excellent mortgage broker and person. He and his team understands the needs of the clients and works together to fulfill. Very happy customer .

25 May 2018  


Thank you very much Kapil Dai for making it easy to add a home to our family picture; right from the start to the end. Never rushing nor judging; always ever so helpful with smart advices.

21 May 2018  


Received very quick response from Kapil a Nepal and his team. The advice I received was very accurate and current. I would recommend others to visit smartline for all property matters. I would also request Kapil and his team to keep on providing the same kind of excellent service to their clients.

11 May 2018  


08 May 2018  


21 April 2018  


11 April 2018  


We have been directed thoroughly throughout our home loan process to make our dream come true to buy our first home thank you Kapil Nepal and his team on behalf of smartline

23 March 2018  


11 March 2018  


09 March 2018  


26 February 2018  


23 February 2018  


I would like to thanks Kapil for the assistance he has provided in providing finance for our first home. Everything was smooth and had no issues at all.

17 February 2018  


26 January 2018  


10 January 2018  


Regular updates on the rates and differences would be helpful.

05 January 2018  


31 December 2017  


29 December 2017  


22 December 2017  


22 December 2017  


smartline personal mortgage advisor Kapil nepal is best mortgage advisors I ever met.
Thank you for your all round support.I definitely recommend my my friends.
Keep it up Kapil sir

20 December 2017  


07 December 2017  


02 December 2017  


21 November 2017  


05 November 2017  


He was always very approachable and genuine with any suggestions. Thanks

03 November 2017  


Excellent service
Prompt action

23 October 2017  


Kapil is Great Person. He has ticks all boxes.

22 October 2017  


11 October 2017  


He is very helpful in any matter to resolve the client issues . He deserves 110 out of 100. There is no further need to describe about his service . Gr8 job

03 October 2017  


Kapil was very friendly, professional, attentive and efficient. He took the time to understand our financial situation and recommend the best product to suit our needs. I would recommend Kapil to any of our family and friends.

26 September 2017  


01 September 2017  


He is very good and helpful.

30 August 2017  


Kapil was excellent.. outstanding service and made our experiance very pleasant. Would highly recommend to friends and family.

23 August 2017  


17 August 2017  


\"Kapil knows what he is doing and he helps us showing his professionalism and experience to secure a loan, highly vouch for him to anyone\"

12 August 2017  


03 August 2017  


28 July 2017  


27 July 2017  


26 July 2017  


Kapil is very friendly and always gave me informations I wanted at all time.
I wish good luck in future.

05 July 2017  


Kapil provided me with excellent professional service.

04 July 2017  


20 June 2017  


18 June 2017  


14 June 2017  


Kapil Nepal helped me a lot in this loan process with his experience , qualification. His guidelines, directions,advice is very fruitful to me. I was naive in this loan process. He guided me through each and every step. He is approachable ,friendly and clarify me with each and every queries I have. He is the best. I recommend all of my family and friends to seek advice from him if needed.
Thank you

31 May 2017  


Easy to communicate,very professional ,supply all information,easy to contact..

05 May 2017  


23 April 2017  


we had no idea which path we have to follow .Through a recommendation of my friend we engaged Smartline to assist us with the purchase of our first property.we have been extremely impressed by Kapil and his team\'s reliable, professional, approachable way of helping .Kapil is switch on , honest to give any suggestion ,proactive and very attentive.we found it very useful to have Kapil deal with bank on our behalf.he made the whole process pain free and easy.
we would highly recommend to anyone wanting not a broker but broker with caring package.keep up the same flow will our community(needy people) search for you.

Ganesh and Deepika
homebush west 2140

19 April 2017  


He is very professional and effective in his job.

14 April 2017  


Kapil nepal was very helpful and he did helped us to get right loan and right house in short period of time. I would like to thank him for all the assistance he provided and will recommend him to my friends.

08 April 2017  


I am very happy that I chose Smartline to purchase my first property It was very helpful and I would definitley recommend it to my friends and family.

01 April 2017  


23 March 2017  


Again Excellent service by Kapil Nepal , exceeded all my expectation that I have from a good Mortgage broker.

Will definitely recommend to my friends and family.

All the Best.

Arun Timilsina

10 March 2017  


Mr Kapil Nepal is always there when you call him and always very helpful and keeps you updated. He makes it very seamless for any application. This is the second loan through him and I have referred lot of my friends to him as he is the BEST.

He is a great asset to the company.

He knows what he is doing - trusted advisor.

Thank you for everything. I am happy that I went with Kapil than going directly with the bank.

05 March 2017  


02 March 2017  


Dear Kapil Jee,

Thank you so much for having a swift transaction in finding the better home loan for us. Even we had some hurdles, i think we over come it in a time and with limited time we manage to achieve the home loan.

Both of us would like to thank you for your effort and knowledge that you shared with us, being a new comer in home loan. We have already recommended our friend to you, hopefully she will be coming to meet you soon.

All the best for your team and best wishes for your musical journey.. I hope the album is out now and hopefully we will be in touch soon.

Gaurab & Ilisha

24 February 2017  


The Adviser was really helpful & would listen to me all the time & guide me all the time to take the right decision.

24 February 2017  


10 February 2017  


We never thought we would be able to step on investment property within two years after buying our first home. Thank you Kapil Nepal (Dai) to provide great advise and assistance on finance process to make our dream come true. Legend.

04 January 2017  


Great and fabulous mortgage advisor.

03 January 2017  


I started my loan with Kapil in 2013 and I haven\'t looked back since.
Kapil is very honest, helpful and very easy appproachable. I understand there are so many paperworks involve and I can imagine there is lots of works as well behind the scene but Kapil takes it very easy and correspond us on timely manner.
Kapil helped us from very beginning of property search to all the way to settlement and also keep on eye our mortgage for any opportunity to get better position.
I am really thankful for Kapil and his team for ongoing support and wish him all the best.
Binod and Bandana

14 December 2016  


17 November 2016  


15 November 2016  


27 October 2016  


Excellent communication skills, Highly knowledgeable, professional, conscientious and polite.

12 October 2016  


11 October 2016  


29 September 2016  


29 September 2016  


12 September 2016  


01 September 2016  


The Service we got from our Broker was phenomenal. Since it was our first home and the processes involved were completely out of our knowledge. But from the day one we were advised what to do and what to provide and it was lot more easier throughout the process than we thought. And on top we were kept informed each and every step happening throughout. We were quite amazed with the service and definitely would like to recommend to friends and family. To be honest we have already done few.

31 August 2016  


24 August 2016  


24 August 2016  


Not only me happy with him. I recommended to my friends and their answer always professional and perfect consultants.

14 August 2016  


06 August 2016  


Our refinancing and the new loan application process with Kapil was a great experience for both myself and my wife . He was approachable any time and explained the details of the loan very clearly and got a a good deal at the end .

A very honest and hard working broker I have every worked with , definitely going to recommend to many more that I know.

Thanks again Kapil for the great work .

Arun and Jyoti TIMILSINA

03 August 2016  


30 July 2016  


we were very new in the market, it was bleessed for us to meet with Mr Kapil Nepal dai who guide us from day one till we bought the house with his professional experiences. he is expert on his role, thank you very much for your help.
thank you smartline.

20 July 2016  


14 July 2016  


09 July 2016  


I had heard a lots of great feedback from my friends about Mr Kapil Nepal. So I decided to see how he can assist me with my refinance and amagingly this whole process was seamless.
I had purchased off the plan land which will settle anytime now and I am definitely going with Mr Nepal for this new land and also construction loans.

I have also referred my friends to him.
He has lots of knowledge as there are VERY FEW mortgage brokers who really knows mortgage rather than just home loans.
He is a great assets to smartline.
Thank you again.

15 June 2016  


I had heard a lots of great feedback from my friends about Mr Kapil Nepal. So I decided to see how he can assist me with my refinance and amagingly this whole process was seamless.
I had purchased off the plan land which will settle anytime now and I am definitely going with Mr Nepal for this new land and also construction loans.

I have also referred my friends to him.
He has lots of knowledge as there are VERY FEW mortgage brokers who really knows mortgage rather than just home loans.
He is a great assets to smartline.
Thank you again.

15 June 2016  


I had heard a lots of great feedback from my friends about Mr Kapil Nepal. So I decided to see how he can assist me with my refinance and amagingly this whole process was seamless.
I had purchased off the plan land which will settle anytime now and I am definitely going with Mr Nepal for this new land and also construction loans.

I have also referred my friends to him.
He has lots of knowledge as there are VERY FEW mortgage brokers who really knows mortgage rather than just home loans.
He is a great assets to smartline.
Thank you again.

15 June 2016  


11 June 2016  


05 June 2016  


27 May 2016  


Excellent and friendly service, always updated of the process and on time

12 May 2016  


06 May 2016  


04 May 2016  


Much needed great help from the start to owing the home.
And just recently the rates were brought even further down than how much we were paying.
Thank you Kapil Dai!

24 April 2016  


23 April 2016  


Good trusted service.

22 April 2016  


20 April 2016  


Excellent professional and very knowledgeable. Guided & assisted us in every step towards the loan process. Thanks for the excellent service and will recommend all those who wanted buy a property.

19 April 2016  


13 April 2016  


My adviser Mr. Kapil Nepal is doing great job. I am fully satisfied with him. Keep it up.

31 March 2016  


Kapil Nepal was very helpful towards guiding us throughout getting our foot in the door in the property market. He was always there if we had any questions or worries. He made the whole process of getting the loan approved feel like a breeze. Keep going Kapil Nepal!

27 March 2016  


We are extremely happy with Kapil ji\'s service. His way of working and explanation to details are clear and precise. We would love to recommend him to friends and family.

25 March 2016  


22 March 2016  


17 March 2016  


He was well organised and loaded with resources. Information was brief and easy to understand. No time boundary to reach. Overall, happy with his service and strongly recommend his services to friends and families.

15 March 2016  


My advisor Kapil nepal is very energetic and always ready to help. I am very thankful for his direction and motivation throughout my property finding journey.

10 March 2016  


Thank you kapil and team for the outstanding service!. Your are always reachable from concept to final settlement process. Borrowing loan can be a complex process and with kapil you are in good hands! I cannot recommend enough, Excellent service with everything explained in detail and with exceptional patience.
Dr.Prasad Bollina

09 March 2016  


We really appreciate the expertise and professional service provided Mr. Nepal. His friendly nature and excellent communication skills really made us comfortable. He certainly made the whole process less stressful than it might otherwise have been.

07 March 2016  


Words are inadequate to express our gratitude to Mr Kapil Nepal and Smartline team for such a professional and pleasant service. Heart full thanks for absolute professionalism and tremendous service that you exhibited all the times until our loan settlement. Keep such spirit up and all the very best Smartline team !!!

Sharad Neupane and Pooja Gautam

07 March 2016  


Kapil helped me to choose the better homeloan option. I am really happy that I am saving some good money because of his guidence. He is excellent is advising and comms about the service. I have recommended Kapil to many of my friends.

05 March 2016  


Kapil was able to explain loan process and assisted with loan documents. Kapil has been very helpful.

24 February 2016  


Fantastic service. Upto date and ongoing information and help.

Keep it up.

23 February 2016  


Kapil nepal from smartline helped and guided us to our very first investment. He not only was committed but also acted as a mentor and guided us throught the process. We are very grateful to have him as a consultant and would proudly recommend him to our friends.

06 January 2016  


I have received excellent advisory services by Kapil Nepal from SmartLine. Seeing his commitment towards the customer and his passion for excellence, I recommended 3 more clients to Kapil and SmartLine.

I wish Kapil and SmartLine all the very best and hope they continue to provide 5 star service and peace of mind to their clients.

02 January 2016  


31 December 2015  


I received excellent service , professional advice from selection of property to settlement, I strongly recommend my friends and families to contact Smart line (Kapil Nepal) for mortage and other financial matter !!!

30 December 2015  


25 December 2015  


We bought our property first time in Australia. And we did not know much about this entire process.

Furtunately, we met an advisor who is a well known not only through his name, reputation or trade but also as a human being, we experienced.

Kapil genuinly guided us throughout this process. He clarified the right way to choose the home loan in current market, tailored and suitable to our current situation and made us possible to land into our own brand new house.

Very big thanks to Kapil and samartline.

Rajesh gurung and Rita Gurung

25 December 2015  


13 December 2015  


Keep up the great work.Thank you

07 December 2015  


05 November 2015  


Kapil Nepal is very professional and very friendly. Never in hurry and give plenty time clients and explain and very approachable. Very good commutation skill and approachable any time. Continue to recommend him for my family and friends. I found myself very lucky to have him as my mortgage broker.

25 October 2015  


Kapil Nepal is very professional and very friendly. Never in hurry and give plenty time clients and explain and very approachable. Very good commutation skill and approachable any time. Continue to recommend him for my family and friends. I found myself very lucky to have him as my mortgage broker.

25 October 2015  


22 October 2015  


He was always helpful and provided adequate information during the loan process.

22 October 2015  


It was so nice of Kapil to do a home visit as it was not easy for us to attend office with our little one. Also thanks to Kapil on advise about houses.

20 October 2015  


It was so nice of Kapil to do a home visit as it was not easy for us to attend office with our little one. Also thanks to Kapil on advise about houses.

20 October 2015  


Kapil is a highly professional broker. He provided us the right information and support whenever we need it. A very warm hospitality and a customer service!! We will refer him to our family and friends!!!! Great experience to have business with him!!!!

02 October 2015  


Kapil has been very professional with all the dealings I had with him.

17 September 2015  


I found Mr Kapil a very professional personality, easily available at the time of need, friendly and full of relevant knowledge. He showed perfection on information and service delivery.

09 September 2015  


25 August 2015  


I would like to thank Mr Kapil Nepal and team for all the help and support. Since we were very new in the property market, his experience helped us and made very easy in buying our first property. He is easily contactable and calls back if he miss our calls. Honestly I would like to recommend him to all my friends and family.

23 August 2015  


20 August 2015  


08 August 2015  


Very happy for the service that Kapil provided . Very reliable up to date information and ta happy

24 July 2015  


great service, quick response, excellent result. Strongly recommend for my friends and family.

13 July 2015  


Really happy

12 July 2015  


09 July 2015  


07 July 2015  


we were so lucky to have mr Kapil as our adviser. we strongly believe because of him we were able to get the best deal for our home. we really appreciate his customer service and friendliness. He was readily contactable and genuinely showed his commitment in helping us to get the best deal. we would highly recommend mr Kapil to our friends and family. Thank you Mr Kapil for your best customer service.

01 July 2015  


Kapil is always helpful and answer any question quickly. I will recommend his service to anyone.

29 June 2015  


26 June 2015  


24 June 2015  


24 June 2015  


He is a real gentleman and very helpful on everything. He has always been giving us the best possible suggestions and directions upon everything associated with the home loan and never hesitated to help us on other things like; to find good finance planner and insurance. We wish him all the best.

23 June 2015  


All very good

07 June 2015  


28 April 2015  


19 April 2015  


Experienced and professional service, helpful, flexible and very easy to deal with. Highly recommended.

03 April 2015  


Strongly recommended. He was helpful though out the whole process.

02 April 2015  


18 March 2015  


He is very genuine and his knowledge about the products and services is great. He seems to be great person and honest and assisted every possible way and even more than expected so I am definitely one happy customer and would refer him to my friends and family .

12 March 2015  


Smart line is really best regarding home loan advising

10 March 2015  


We are very grateful to Kapil Ji for his expert guidance and suggestion which made this process easy. Kapil Ji took us the process thoroughly step by step and listening all our queries with patience and helping us with the best options. We will definitely recommend you to our friends. Thanks again! Suresh and Shobha

22 February 2015  


Someone we could trust! we got no idea purchasing our first home, Kapil Nepal was undoubtedly our key source of direction and someone we could trust.He was open, honest and pro-active throughout the entire process and ultimately made us feel confident and comfortable relying on him for our big purchase and made our dream came true. Can't thank enough for his friendly and efficient manner.

22 February 2015  



22 February 2015  


09 February 2015  


04 February 2015  


Kapil is passionate and excellent communicator. Provided me with all information possible. I would like smartline to provide options other than products they support, just for comparison so that we get perfect value.

04 February 2015  


Kapil Nepal was so helpful professional with wealth of knowledge. I will recommend him for all my friend and family.

28 January 2015  


We would like to thank Kapil Dai for helping us out all along the way in making our dream of owning our first home so easy, right from getting the pre-approval to finalising the loan with a superb rate. We will definitely recommend Kapil Dai and his service to everyone we know.

05 January 2015  


Kapil Nepal provided professional customer service during my home loan processing and settlement as a financial broker. Mr Nepal was very punctual, friendly and result oriented individual and provided all up-to-date progress and information in time. I highly recommend Mr Kapil a right financial broker for those who are looking for financial advice for home loan.

28 December 2014  


Kapil is very friendly and always available for any quaries.He guided me through the whole loan process and I will recomend him for anyone who whish to get his service.

05 December 2014  


Sometime homeloan worries you more than anything then stress to eliminate it,you seek instant and prompt solution for,even in the night.And once for the solution of my stress i called kapil nepal at about 11.30 pm,and he responded and helped me to release my stress.So,my experience is that loan is not only loan but it connects with stress management as well.So the broker must be like kapil nepal,anytime available.this is my advice . thank you very much.

05 December 2014  


04 December 2014  


I am very much satisfied with a help of Kapil Nepal to get a home loan for our first home in Sydney. He is very friendly, knowledgeable person on this field.He helped me a lot to choose a right bank and also helped me with all the legal aspects.i would strongly suggest everyone to get his help for home loan and suggestion. It would definitely helped a lot and in fact to choose the right source of loan. Thanks Kapil Ji.

01 December 2014  


Thank you Kapil Nepal , to make our dream comes true, more success ahead. See you in future too.

18 November 2014  


It was a great help and good assistance in understanding the process and advantages and disadvantages of entire home loan process. He advised us to find the right loan with being available anytime we need, answering all our queries and finding out the best solutions. I really appreciate his help during my busy schedule.

17 November 2014  


16 November 2014  


16 November 2014  


12 November 2014  


11 November 2014  


03 November 2014  


Kapil is very professional broker always willing to help and secure lowest possible interest rate. I would strongly recommend Kapil to my friend.

30 October 2014  


There is no word to express by writing. Kapil has a great business, smiling, helpful and Yes I do character. Fanindra

22 October 2014  


22 October 2014  


excellent service.very happy.

27 September 2014  


Mr Kapil Nepal is a very professional and friendly broker. He is always there for you to help. He knows very well about his client need and suggest accordingly. I will highly recommend my friend and family to contact him if anyone is interested in buying a property.

17 September 2014  


Buying a new property in Australia is a dream for everyone . I was not born in Australia so I don't know how it works here .. Kapil Nepal who is my broker .. Not only helped my to get me the right loan but he guided me all the way through towards my dream .. I owe him a big time ... Kapil Nepal is a great addition to your team .. I would like to take this opportunity to thank mr Kapil Nepal for his help . Best regards
Subash and pushpa .

16 September 2014  


I was dazzled by all the plans and policies and not knowing where to start with my home loan process. My friends recommended Mr. Kapil Nepal, who has opened up a path for me in the Maze of terms and numbers. I appreciate his customer care, patience, professionalism, punctuality and efficiency; I will recommend his service to my friends.

06 September 2014  


Kapil assists us to buy our first home and the second (this time). No drama in the process. Everything is well under control. Kapil provides Great Service and Professional Advice. We will still contact him for future needs. Keep the good work up Kapil. Thank you for your help.

05 September 2014  


02 September 2014  


26 August 2014  


Super reliable service and complete guideance and support. Anyone who will be serviced by this guy will be 100 % happy and i am telling this from my own experience because this is the second time he is providing me loan service. I will definately recomend him for anyone including my friend an family and using myself in future. 7star out of seven. Very satisfied.

26 August 2014  


26 August 2014  


20 August 2014  


07 August 2014  


06 August 2014  


I have contacted kapil through search engine and when I first met him he sounds so professional. Straight away I said you re my right guy to sort my finance for my first home and he proved himself he is a right guy. I m so happy with his outstanding service.

01 August 2014  


Kapil is a real asset to “Smartline”. He is professional, knowledgeable and dedicated in finding the right loan for this client. He kept us update on the progress of the loan and answered all our questions and concerned. He helped us refinance our existing loan, unlock equity, buy a block of land and build our dream house. Thanks to him our dream of building a new house is now becoming a reality and i will recommend his service to my family and friends.

23 July 2014  


He is best I had ever in this process

18 July 2014  


19 June 2014  


I am fully satisfied with my mortgage adviser. He co-operate very well and response me very quickly.i don't have any comments on his service. I strongly recommend him to my family and friends for further date.

16 June 2014  


Almost everything was taken care of by the adviser. The whole process was so smooth and hassle free, it just feels like yesterday that we met our adviser and we are already living in our lovely new house for three weeks. We did not just meet a great adviser, we found a great friend!

14 June 2014  


Very helpful and guide me through the beginning on everything.

08 June 2014  


17 May 2014  



16 May 2014  


10 May 2014  


03 May 2014  


01 May 2014  


Very professional, dedicated, excellent work. He went beyond in researching the information to get the work done. Very happy & satisfied with the service provided. Helped a lot to get what we are looking for. Hope to work with him in future.

23 April 2014  


12 April 2014  


Kapil Nepal provided really great service to us not only with the home home but also with other issues which we were not very familiar with. He was & is available anytime to help us with our query. I would recommend him to my friends & family. I

12 April 2014  


12 April 2014  


kapil nepal is very good person he helped me out with my home loan very professionally,in a efficient way with the real understanding the value of my time because i didn't have much time left.. he did very well,understanding my time is very crutial.thanks kapil and thanks smartline. i would personally recommend it to every one.. very professional....cheers

11 April 2014  


Kapil did detailed research to meet my requirements and situation. He came up with a number of options which he explained to me and helped choose the best option. I appreciate his time and effort. Thanks once again.

27 March 2014  


Kapok has helped us from begin to end with very supporting way. As a first home buyer, we were confuse about the process but he guided us in very supportive way.He had helped us lot more than a broker. We really appreciate his support as he can explain in most simple way and help in decision making and be with us all the time through out this whole start to end process. Thank you Kapil.

14 February 2014  


It was a great pleasure to deal with Kapil Nepal. He is just amazing.We had a very nice experience and guidance through out the whole process. We want to thank smartline and Kapil Nepal for helping us.

31 January 2014  



07 January 2014  


28 December 2013  


Great Service

18 December 2013  


Mr, Kapil was excellent. All our quarriers were answered asap. I was really happy with his service and I will recommend this to all my family and friends.

16 December 2013  


It was a pleasure to work with Mr. Kapil Nepal who helped us throughout our journey to achieve and accomplish our goal as the first time home investor.

06 December 2013  


I am happy with the service I received.

05 December 2013  


I am happy to get Kapil as my loan adviser.

02 December 2013  


We are fully satisfied with Mr. Kapil Nepal. We have already recommended some of my friends .and we wish him success in his career. and i would like to take this oppertunity to thank him . Regards
Manoj Pradhan
sanju dangol

14 November 2013  


i was with other morgage adviser before i met kapil Nepal. he made my job very easier. He got every answers to my questions.He is very professional and i will definitely recommend to my friends and family.I did 2 0f my friends already. Thank you Kapil for your help and support.

22 October 2013  


Kapil Nepal, best in the business. The person you can always trust. My own experience.....

28 September 2013  


Knowledgeable friendly advisor. Was willing to understand my needs and advised the product that was suitable. I was kept abreast of the development of my case throughout the process. He met his commitments about getting the loan approved within the stated time. I have since recommended the advisor to few of my friends.

09 September 2013  


Thanks for the service you have provided. Mr kapil is dedicated to his clients and has potential to meet their expectations.His efficiency has let us recommend him to my other friends.Wish him all the best.

15 August 2013  


Dealing with Kapil was very smooth. he kept us informed throughout the loan process and provided us the competitive interest rate. I will strongly recommend Kapil to my friends seeking housing loan.

12 August 2013  


We are very happy with the service provided by Mr Kapil Nepal. His advice while going through the loan process and his availability whenever we needed is appreciable. we would highly recommend his service to our friends and family.

12 August 2013  


21 July 2013  


Kapil Nepal assisted my home loan. He was great, very patient, very efficient, he has been looking after my loan through out the process.He was the best mortgage adviser,i will recommond him to all my friends.

21 July 2013  


Easy to work with, no technical jargons to worry about,always communicative.

14 July 2013  


Provided lots of professional support and help. I found him to be very experienced and supportive person.Only thing I can say is if I hadn't met him, I wouldn't have bought a property. His professional suggestion and support help me to take this step. thankxx a lot Mr Kapil Nepal for your service and support.

13 July 2013  


He is friendly and very loyal person and I am very pleased with the services provided by Kapil Nepal. Thanks, Rajendra

01 July 2013  


Kapil helped me with refianace and restructure of complex loans both investment and home loan. I found him very experienced in home loan products and provided me solution that matched my need. Kapil also has been very informative during the process with bank and other parties. I wish all the best and I will definetly recommend to my family and friends.

01 July 2013  


Kapil’s dedication to clients and his determination to find us the best possible loan impressed us. Always with good advice and best service, he was the best – efficient, organized, friendly and prompt with integrity and values. As a licensed Smartline Home loan adviser, I will recommend kapil to all my friends. Durgaprasad Bollina

29 June 2013  


No comment ,We are happy.

28 June 2013  


thank you kapil and smartline for providing great advice and services.

23 June 2013  


The biggest advantage was Kapil's flexibility to accommodate his schedule as per our availability, thus saving us the hassle of taking time off during work days.

08 June 2013  


Mr. Nepal is outstanding on his profession, highly ethical and honest professional, definitely highly recommended

15 May 2013  


Kapil is highly professional with high level of customer service. Kapil also understand customer needs and advice type of loan/ bank suitable for the customer. I have already recomended to the other friends as well.

01 May 2013  


05 March 2013  


Thanks for Kapil Nepal and Smart Line Business for providing loan from CBA.

06 February 2013  


We found Kapil very helpful during the whole process. He was able to quickly understand what we were looking for in a home loan, he was easy to contact and quick to respond to our inquiries and he facilitated the whole process smoothly, especially providing support when submitting the loan application. Overall we were very happy with the service provided.

26 December 2012  


Whoever,whatever and wherever---the co. like smartline.They need right man at right place and I think Kapil is the right person for.With young talent,right direction ,exploring attitude and ability and never stopping.Human nature requires "result oriented results".And Kapil is the appropriate answer and solution for that.Congratulation to Smartline,who has the advising and implementing enthusiastic member .Wish him for a twinkling bright future and the smartline co. as well.Thank you.

08 December 2012  


Kapil Nepal Adviser from the smartline has been really helpful for us in finding the loan that we were looking for. Best advice given. Always answered all the questions we come up with. Will definitely recommend and advise others for the services of Smartline.

30 November 2012  


The Smartline Mortgage Advisor made the process of buying our first home really simple, understandable and manageable. We honestly believe that he took the "extra mile" to provide that unconditional and professional support, and we are extremely grateful for that. We will certainly recommend this service to others.

17 September 2012  

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