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Margaret Godfrey


Average client rating
4.9/5 From 95 Reviews

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Margaret had great advice and looked after us from start to finish. Thanks so much.

15 July 2022  


Margaret was incredibly helpful and always kept us up to date and easily contactable

08 June 2022  


Margaret was such a dream to work with. She made the whole process simple for me. Gave me great options and was always able to help with all my questions. I would and will recommend her to everyone

25 April 2022  


Margaret made what felt like a hard process so streamlined and easy. She walked me through every step and I had confidence in trusting her through it.

30 March 2022  


We have used Margaret on a few occasions now to help us with setting up our loans. Margaret is a pleasure to deal with and is very knowledgeable. We will certainly deal with her again.

30 March 2022  


06 March 2022  


Margaret has been excellent in every way. She provides sensible, clear & comprehensive advice & an excellent all-round service.

28 January 2022  


29 December 2021  


Margaret was very thorough and advised us well. She was always available to discuss any questions and concerns and very helpful during the entire process. We appreciate Margaret’s hard work to find the best solution for a process that was not straight forward at all. It was a pleasure to work with her. We would highly recommend her services.

06 December 2021  


It’s the second time that Margareth is providing me with highly valuable insights. She assists us through the entire process and make sure we understand everything in order to make the right decision. I strongly recommend her services!

06 November 2021  


My advisor has been absolutely outstanding I have given her high recommendations to multiple people.

26 October 2021  


Margaret was amazing. We have used Margaret a number of times now and she always exceeds my expectations. Thank you!

03 August 2021  


Margaret Godfrey provided excellent advice and helped me find a suitable loan in a very short period of time. She also explained the pros and cons of different products offered by a number of lenders giving me confidence with the product chosen.

11 June 2021  


Margaret was wonderful to deal with, helping me through a really difficult time and providing the best options for me to be able to keep my house. Cannot thank her enough.

07 April 2021  


Honestly I heard great things about going with a broker so decided to go down that path. Took 3 months from application to settlement to re-finance my home. Went with CBA for new loan and only took 1 day to get approved. Won't use smartline again.

20 March 2021  


05 February 2021  


27 November 2020  


Margaret made the process of changing lenders a breeze. Whenever I contacted her about an enquiry she had information readily available or followed up immediately for me.

29 September 2020  


As always Margaret has gone above and beyond to ensure the product I am on is the best possible option for me and well suited to my needs. She explored several options and advised the most cost effective and financially sensible product. Thank you

28 September 2020  


19 August 2020  


Margaret Godfrey provided clear and detailed advice and explained everything in an easy to understand matter. She is very friendly and easy to communicate with and constantly kept me updated.

09 August 2020  


Margaret is amazing to deal with. Her professionalism and knowledge is outstanding. Margaret took the time to explain the process and how the loan worked. I would not trust anyone else with our finances.

06 August 2020  


07 July 2020  


Margaret was very knowledgeable, patient and importantly very efficient. Through her guidance I was able to take advantage of several government schemes including the first home buyers Grant. She was friendly and professional.

21 April 2020  


Margaret was excellent - easily approachable for questions and helped us find a suitable product considering our unique circumstances (work from home/foreign income).

18 March 2020  


Margaret has always been very helpful in getting us the best deal

08 March 2020  


19 February 2020  


Great experience all along with Margaret, she's been really helpful and made us save a lot of time and money. Thanks

11 November 2019  


Margaret was fantastic. She was very knowledgeable and got our loan across the line in a timely manner and kept us informed along the way. I work in finance and wish we had more people like her in our organisation. She was also very knowledgeable in relation to the post approval process and picked up on errors from the vendors solicitor that would have delayed our settlement without her action. I would definitely recommend her to family and friends.

18 September 2019  


Margaret is very knowledgeable and goes above and beyond for her clients. Highly recommend if you are looking at buying property or refinancing your home loan.

08 August 2019  


Margaret had a great impact on our lives she gave us a great solution to our concerns. Great work!!

01 August 2019  


25 July 2019  


Margaret was fantastic! She made the whole process really simple and easy for us and was really supportive. Strong communication and kept us informed.

07 June 2019  


Even our solicitor commented that we picked a very competent mortgage broker! Super organised and responsive. We'd never choose anyone but Margaret.

11 December 2018  


We cannot recommend Margey highly enough. We have used her service 3 times now and she makes the whole process so easy and hassle free. Margey takes the time to really work out the best value home load for your needs and she constantly updates you along the way. Each and every time we have used her services she has managed to save us money and who doesn't want that? If you are having any doubts about using a mortgage broker then don't as Margey will exceed all of your expectations I can assure you.

13 October 2018  


Margaret was fantastic, we have moved over from the UK so the whole process was alien to us. Margaret explained everything in detail and was so helpful throughout.

02 September 2018  


25 June 2018  


We found Margaret super helpful and always available to answer our questions, even late at night and when she was away on a long weekend which we couldn’t be grateful enough for seeing as we were first home buyers and knew next to nothing. Would definitely recommend Margaret to anyone we know who are trying to buy their home. Thanks again Margaret!

24 June 2018  


Being a first home buyer the whole thought was daunting. Margaret made it easy to understand and explained everything throughout the whole process.

25 May 2018  


Margaret provides excellent and thorough service. I would not look elsewhere for a broker.

11 May 2018  


03 March 2018  


22 February 2018  


We cannot thank Margaret enough for her commitment, her patience, her ability to find a loan that would work for us. It was not easy and many other brokers would have given up very quickly. Not Margaret. We highly recommend Margaret as a diligent, expert in her field. Thank you again, Margaret, for all your help.

18 February 2018  


13 February 2018  


Margaret was a real pleasure to deal with for our new home loan. She was quick to reply to emails and always seemed happy to help. We will continue to use Margaret for future home loan needs and will certainly direct friends and family her way!

05 February 2018  


Margaret helped us through every step of the way and was able to get us a great deal on our home loan. Fantastic.

17 January 2018  


04 December 2017  


Margaret is always very helpful and handles difficult situations professionally and quickly

09 August 2017  


26 May 2017  


Margaret has provided us with professional advise and met all of our financial needs, always a pleasure to talk to and the service Margaret provides is exceptional. We have recommended Margaret to many work colleagues and friends and all feedback has been extremely positive.

08 April 2017  


Margaret was so helpful throughout the whole process and made it all quite painless. I don\'t know why anyone would not use a mortgage broker.
Margaret was available at basically any time to suit us, she was professional and personable, and I would highly recommend her to anyone looking for a mortgage broker.

17 March 2017  


Margaret went above and beyond to held us get the best loan for our property. Margaret was very giving of her time and flexible to work around our work and family commitments. Would definitely recommend and would work with Margaret again in the future.

06 January 2017  


19 October 2016  


14 March 2016  


A great service was provided by Margaret. I have already recommended her to a number of friends and will continue to do so..

30 December 2015  


31 August 2015  


Margaret took time to understand our needs and to work through the complexity of our income streams to recommend the best loan for us. When it came time for applying for the loan, again Margaret made the whole process for us very easy, even when the bank came back with further requests. I would have not hesitation in recommending Margaret to family friends - anyone!

17 July 2015  


08 July 2015  


07 April 2015  


Margaret was recommended to me through a friend. As a first home buyer, the services Margaret provided were above and beyond what I expected. Margaret was continually in contact and provided regular updates and answers questions via phone, email and text. It was an absolute pleasure to deal with Margaret and the process of buying my first home and choosing the best home loan was made so much easier. I would strongly recommended Margaret to any of my friends and family.

28 February 2015  


Margaret was absolutely fantastic. after we had been approved with one lender a better product came on the market that we qualified for and Margaret proactivley sourced this for us and saved us paying $9500 in lenders mortgage insurance. i was absolutely amazed at the service because she had alredy had our application approved and really didnt need to do anything else, however she choose to go above and beyond for us, which we were extremly grateful for and continue to recommend her to our family and friends.

11 February 2015  


03 February 2015  


In my opinion Margret found me a great deal with the difficult situation that i found myself in . I have a great home loan that exceeds my expectations. Thank you

13 January 2015  


12 January 2015  


08 January 2015  


Margaret has been nothing but helpful, informative and reliable. I will referring work to her more often from my work colleagues. Smartline makes loans easier!

07 January 2015  


08 August 2014  


Margarett was unbelivable, she assited with all of my enquiries and questions and persisted untill we had the right product. I m not easilly pleased but I
was truley amazed that old fashioned customer service still exists. regards Phillip McGilchrist

01 June 2014  


Margaret was a great guide and she very approachable and helpful. I would definitely recommend her!

16 February 2014  


Very happy with the service provided so far from Margaret & Smartline. There's so much to do when buying a house & this takes the hassle & confusion away from a major part leaving time to concentrate on other things. Recommended.JW

03 February 2014  


06 January 2014  


07 November 2013  


31 October 2013  


Would like to give a huge thank you to Margaret Godfrey from Smartline personal mortgage advisers for helping me get a home loan when I purchased my new house. She was amazing. Explained all my options in easy to understand terms and made sure I understood the loan before entering into it. Nothing was too much trouble. Margaret came to my house after hours which was extremely convenient. Have already been highly recommending Margaret and will continue to keep in touch. THANK YOU MARGARET!!!

31 October 2013  


Margaret was amazing...I am very grateful as I stumbled across this property that was going to auction and had very little time to prepare. She went over and beyond and we were able to successfully bid on the property. I would recommend her services to anyone!

04 September 2013  


18 July 2013  


I believe your company has a great asset in having Margaret Godfrey onboard. She delivered fantastic service, was extremely professional at all times and was contactable when i needed her advice.I would have no hesitation in recommending Margaret to my family or friends

19 June 2013  


Margaret was fantastic. Knowledgeable, professional and really patient with explaining things through with us...which we often needed more than once!

01 May 2013  


Margaret ensure the process of borrowing was a smooth stress-free process. She was able to deal with any issue with ease and tended to bank requirements quickly and thoroughly. I would recommend Margaret to everyone!

14 January 2013  


11 September 2012  


17 August 2012  


My positive experience with Margaret was superior to any other lending people I have previously dealt with.I was unsure, given my circumstances that I would have success to obtain a home loan.Margaret researched and explained all options and success was achieved.Margaret travelled to meet me at a time convenient to me as a full time worker. Business aside I thoroughly enjoyed Margaret's company and her ability to interact socially quickly put me at ease.Thank you, Rita

10 August 2012  


07 August 2012  


Margaret was fantastic and readily contactable and able to explain processes to us. She simplified things, which helped us understand what the bank was doing and required from us. Margaret's research into our loan, has saved us time and money, and we are very appreciative of her hard work.

30 June 2012  


I would like to thank Margaret for her time and expertise in regards to us refinancing. The process was easy and she was always available to answer any questions no matter how trivial. I would have no hesitation in recommending Margaret to my family and friends.

25 June 2012  


Once again Margaret has manage another product that far exceeded our expectaions. thank you for the time you have put into ensuring this happend for us, this is the second time we have used smartline and it will not be our last. I have said it before and i will continue to say how wonderful you are Margaret!!

21 June 2012  


21 May 2012  


Howdy, she did well kept me up to date on what was happening. The only problem was the way both her and I were treated by Adelaide bank with their rediculous conditions.

03 May 2012  


Howdy, she did well kept me up to date on what was happening. The only problem was the way both her and I were treated by Adelaide bank with their rediculous conditions.

03 May 2012  


Margaret's guidance and advice through my investment property loan selection/application was second to none. Margaret was willing to listen and offer professional expert advice when it was needed. Further she followed up with contact to keep me apprised of how the process was fairing which in my opinion is one of the key factors of her success. Margaret offered a solution that tailored perfectly into my situtaion. Thanks Margaret it has been a pleasure and I cant wait to deal with you next time

08 December 2011  


I was impressed with Margaret's professionalism and thoroughness in obtaining the best loan for my purpose. She was very knowledgeable and helpful. I would, and already have, recommend Margaret to friends and family. Many thanks

21 October 2011  


Smartline provided us a very personalised service. We appreciated the great deal of time that went into finding the right lender for us.

13 October 2011  


Thank you for assisting us to find a better mortgage deal. We are very happy with our new bank and our Smartline Personal Mortgage Advisor, Margaret Godfrey, made sure that the process was hassle free.

06 October 2011  


I just wanted to take this opportunity to mention the incredible lengths in which Margaret went to to ensure that our loan was approved on time without, Margaret's help and assertivness i know we wouldn't have been able to secure the property she is an amazing lady and a real credit to have carrying the Smartline name and we are so very grateful to have been lucky enough to have her as our Broker. I will and have continued to pass her name on to friends & family and we will definalty use smartline again!!! Thank you for helping use reach our dream.

04 October 2011  


very happy with whole experience

03 August 2011  

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