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Michael Karp


Average client rating
4.9/5 From 344 Reviews

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Very professional and proactive. Help us all the time and very Friendly

11 June 2024  


I have been working with Michael for around 10 years now. Very professional and experienced. Highly recommend

30 May 2024  


Michael helped me though the challenges of securing my first home loan. He spent the time to undertstand my circumstances and find the best outcome for me. He provided simple a clear explanation to ensure I understood the process.

27 May 2024  


Very happy with the whole mortgage process faultless from start to completion.

23 May 2024  


Michael and his team went the extra mile to help us secure our business loan and we thank them for their efforts. We are happy to recommend their services and look forward to dealing with them again in the future.

21 May 2024  


Helpful, efficient and accessible. Oh, and extremely patient. Thank you Michael team

15 May 2024  


Michael had to go over and above to get my home loan - rural South Australian postcode - and came through with flying colours. Both Michael and Lynsey were very professional to work with.

13 May 2024  


When it comes to securing a home loan, having a knowledgeable and experienced home loan consultant by your side can significantly impact your journey. I found Michael and his team played a crucial role in guiding me through the complex world of home loans. Their expertise ensured I made informed decisions tailored to my financial situation and long-term goals. They also helped me keep perspective when navigating the bank's requirements. Can't thank Michael and his team enough.

23 April 2024  


I am so impressed and thrilled with the work and service Michael and Lynsey provided me and my partner in buying a home together. I honestly don't think I could have done this without them actually
Michael was friendly, honest, let me ask really dumb questions, and with him and his team, we were successful in a less than 30 day settlement right before the Easter long weekend.
The service from the team and the work everybody accomplished in such a short space of time is graciously appreciated and I couldn't recommend anyone else for the job.
Thank you again Michael and Lynsey for getting everything done right down to the wire. We love our new home and couldn't have done it without you and the hard work you guys provided.
Looking forward to working together for years to come

03 April 2024  


Reliable and transparent

03 April 2024  


20 March 2024  


Michael was very knowledgeable and help created a seamless purchase of our dream home. I would recommend Michael to all wanting to know their buying options.

17 March 2024  


We have had excellent advice and help from Michael Karp with the Loan process.

04 March 2024  


Michael and Lynsey were absolutely amazing and helped my partner and I with the whole journey of purchasing our first home. They made the process very smooth and quick, making us feel comfortable the entire time I will be recommending them to friends and family

19 February 2024  


I have been using Michael and his team for many years. The service is always excellent, and I have no hesitation in recommending any of the team.

01 February 2024  


Michael, Lynsey and Sam are a dynamo mortgage broker team and offered us a professional, highly communicative yet relaxed service. These collective qualities resulted in a top-class seamless experience.
Our situtaion was a complex one, yet options were provided and the best outcome was achieved. All associated purchase costs were laid out from the get-go so there were zero surprises when it came to crunch time.
We can move forward into our new home with ease and excitement thanks to these guys. I'll be telling everyone to use Mortgage Choice, and that Michael, Lynsey and Sam are the go-team.

13 December 2023  


Michael has helped us again secure money for a tricky investment, he is our go to for any funding and would and have reccomened him to friends.

10 December 2023  


Easy to deal with and takes the hassle out of negotiating around for a good rate

05 December 2023  


Our friend suggested Mortgage Choice, and I'm so grateful for that recommendation. Michael has been incredibly reassuring, honest, and helpful throughout our home-buying journey. I never hesitated to ask any questions, and Lynsey has been equally fantasticflexible and supportive. Thanks to them, what could have been a daunting experience turned out to be the opposite. If you need a kind and knowledgeable broker, they're the ones to go to

27 November 2023  


I would highly recommend Michael and his team, their level of service and professional attitude was outstanding. Thank you for making the whole loan process easy and stress free.

16 November 2023  


Great team. Very helpful and understanding of person needs.

08 November 2023  


Michael Karp is a friendly and efficient guy. He has organised 3 mortgages for me so far.

03 October 2023  


Have been dealing with Michael for many years now and always find him personable and professional. He provides expert advice and, together with the rest of his team, ensured that my recent refinance was a smooth and easy transaction. Would highly recommend his services.

24 August 2023  


Michael Karp and the crew are awesome. Always looking out for us and helping us save thousands.

15 August 2023  


Michael provides an excellent mortgage broker service, he guides his clients through the process of buying a houseproperty. He has a wealth of experience and shares it with all his clients. I would recommend Michael's services to anyone.

08 August 2023  


Michael, Lindsey, and Skandh are truly worth their weight in gold. I would and do recommend them to everyone.
We have been working with Michael and his team over the past six months, and in every encounter, we have felt valued and respected. The whole team works together to ensure that you are fully aware of every step, process, and term relating to your loan. Michael never made me feel less for saying I dont understand and would take the extra time to rephrase it into a concept that I could comprehend.
Their communication is exceptional. We could contact any of Michaels team at the drop of the hat which we had to do a few times, and they would follow up with us immediately or within the next few hours. If they said they would send a form, then they did. It never felt like we were following up.
A HUGE shoutout to Lynsey She was an absolute hero in the settlement process. We had issues with the bank not providing forms and a few other issues, and having Lynsey call and follow up with them on our behalf saved us unimaginable amounts of time and stress.
Finally, I appreciate the due diligence of Michael and his team, as every year our home loan is reassessed to ensure we are still getting the best value.

03 August 2023  


Michael is an excellent broker. He finds options from various lenders and talks through the pros and cons of each one to make sure we are getting the finance that best suits our needs. Highly recommended

01 August 2023  


Michael and his team made our experience with our original home loan and finding us a better rate so easy Definitely recommend.

14 July 2023  


A special thanks to Lynsey Byrnes for all your help refinancing my home

07 July 2023  


Michael and his team and very good and experienced. Thanks for all of your help

30 June 2023  


Ive utilised Michael and his team a couple of times now after being referred by Deb and John Bowes. Michael is experienced, extremely knowledgeable and I felt very reassured in buying my first home. I had a complex situation to begin with and Michael over the course of a year seamlessly worked through everything putting me at ease. Ive recently refinanced and of course came back for his assistance Thanks again Michael and Lynsey

20 June 2023  


Michael Karp and his team provided wonderful customer service in such a timely and professional manner. Michael is open, honest and very trustworthy. If you are looking for a mortgage broker, we can highly recommend Michael and his team.

19 June 2023  


We really really appreciate all the work Michael and Lynsey did on our behalf. Due to complications with our contract, multiple providers had to be approached. And a lot of going back and forward between the developerbuilder and banks. We got there in the end, with their efforts.

06 June 2023  


I was completely overwhelmed when I came to Michael Karp for help, he was amazing he gave me so much help and advice through a difficult sale process last year that he made much easier. Even better 1 year later and hes done a review and helped me out again Truly think I couldnt have done the process without his help

31 May 2023  


Love Michael and his team. Wouldn't go to anyone else.

31 May 2023  


Excellent service, professional and friendly communication, and attention to detail. Michael and his team have always gone above and beyond to make sure we are getting a top product at a competitive rate.

14 April 2023  


Michael and his team has been very accommodating evert step of the way. From the early stage when I only just began to think about buying a house to signing the loan document, he and his team was always one phone call away. For a first home buyer, I never felt that I had to chase up information from them and Michael has been very upfront about whole process. One particular thing i noticed is that when doing the estimate of my borrowing capacity, he took into consideration of the future interest rate rise so I don't get a loan that will be backfiring on me. Thank you Michael and the team

28 March 2023  


Michael and his team are a 10 star rating I have used his services on numerous occasions, for re-structuring investment property loans and obtaining bridging finance when buying a new PPOR before selling the previous one. The digitalonlineportal based application process is quick and worked really well with minimal paperwork. If anything was needed they explained what and how and kept things moving along. The also kept me well informed of progress and ensured a successful outcome in every case. I highly recommend their services.

23 March 2023  


Michael and his team have been a joy to work with over the last 5 years, from selling and purchasing our homes and now to refinancing our loan to get the best out of the banks... shout out to Lynsey for always being responsive and friendly whenever we've had follow up questions or queries. I'll never hesitate to get back in touch with this team of knowlegeable, responsible and trustworthy humans

16 March 2023  


These guys are legends

06 March 2023  


Excellent approach and knowledge. Highly professional and produced a very good result for us

15 February 2023  


I would not be a happy home owner without Michael Karp.
He has supported me for seven years now and is still there when times get tough. Thank you, really, for all you have done. Michael has great work ethics, is approachable, caring and well, just fantastic at what he does.

15 February 2023  


Very professional broker with the industry smarts.
Could not be happier with Micheal and his dedicated team at Mortgage Choice Kent Town SA.

05 February 2023  


Michael and his team made refinancing our home so easy and stress free.

I would 100 recommend Michael to anyone looking to to buy or refinance a home

We will definitely use him for our next purchase.

23 January 2023  


Really great to work with and very organised....thanks guys for assisting us to move forward.

17 January 2023  


I've always found Michael super responsive and keen to find the best deals. He's made things work when others couldn't. We have used him several times over the last ten years or so. Highly recommend

08 January 2023  


Michael, Sam and Lynsey did an excellent job in securing my home loan in an efficient and timely manner before the agreed timeline. Based on my experience, I recommend their work highly.

22 December 2022  


To start with, the experience with Michael and his team is way beyond 5 star rating.
Owning a house is one of the biggest dreams anyone has and Michael helped us in turning our dream to reality. An absolute amazing experience. We always had his guidance and support throughout the process. His team helped us with all the documentation which not only saved us time but provided total peace of mind. I would highly recommend Michael to everyone who are in process of buying a property. A heartfelt thank you to Michael and his team.

06 December 2022  


Michael is a very knowledgeable and provides a friendly and timely service. Highly recommend

30 November 2022  


Highly recommended
Michael and his team went above and beyond to ensure all our requirements for refinance are met.
I am so satisfied by the serviced I have received from them and will continue working with them.

30 November 2022  


Michael took a complicated scenario and made it simple. No fuss, no bother, and I have given you maximum flexibility.

21 November 2022  


Michael was referred to us years ago and weve been using him ever since He and his team are incredibly efficient and more importantly to us, service focused, taking the time over the years to get to know us, understand our needs and offer personalised advice and products.

19 November 2022  


Have been dealing with Michael for many years now, always a great outcome and a pleasure to deal with

16 November 2022  


As first home buyers, Michael Karp and the team were great at guiding us through the mortgage process and getting us a competitive deal. In the years since then, they've done a good job of keeping in touch, offering additional advice, and negotiating with lenders on our behalf. It's been a quick, friendly and efficient process.

16 November 2022  


Michael and his team have been highly professional in terms of communication, process and results. They have a deep understanding of the market and were able to quickly identify suitable products. Equally as important, their technology made the dreaded paperwork process very simple which time poor people will value.

12 November 2022  


Michael is very professional and easy to work with. Him and his team are really helpful and efficient. Best quality service and highly recommended

09 November 2022  


Recommended by a friend, and now i'm passing on that recommendation. I cannot speak highly enough of Micheal and his team. Thorough and professional service, and fantastic communication. Thank you

08 November 2022  


If you're looking for an honest, knowledgeable, and hard working Mortgage Broker then Michael Karp is your man.
Michael has helped us tremendously with navigating through some very important financial decisions and his honesty, integrity and expertise is why we have such a high level of trust in him.
Michael explains things that can be often be quite complex in simple terms that are easy to understand and will always be honest in the advice that he provides.

24 October 2022  


Have been dealing with Michael for 14 years - cannot fault his service, excellent to deal with.

18 October 2022  


Michael provides friendly and proffesional service and he was always happy to answer questions around the process.

16 October 2022  


Michael is genuinely approachable and personal in his care. He was very non pressuring and helpful in what was a long lead up to us taking out a loan and did not hesitate when we wanted a few last minute adjustments. Also his associate Lynsey is brilliant at making sure everything keeps moving forward from an admin affair, was a very clear and informed application process. If you want a broker team that is on your side and sees from your position above all else plus will keep your best interests front and center over the long term, then I would highly recommend Michael.

19 September 2022  


Michael was very supportive and made me feel at ease during our first meeting. I was very apprehensive about the process of obtaining a home loan under my circumstances [ 60 and recent separation)but Michael provided me with sound advice and recommendations.

18 August 2022  


11 July 2022  


Michael is a great mortgage broker, got us a great deal which saved us thousands of dollars after a first broker messed us around. Over the years has always made sure we are getting the best deal for our situation. 100% recommend.

15 June 2022  


After dealing with another broker previously who didn't understand our needs, we have had nothing but exceptional service and advice from Michael. He exceeded our expectations and achieved the best outcome for us.

08 June 2022  


Have been working with Michael and Lynsey for over 4 years and they are customer focused and understand our needs, easy to work with and transparent in all dealing. They recommend the best outcome for you and help us in our decision making process. They keep us informed of the status and offer to help all the time, maintaining good communication at all times.

08 June 2022  


Michael and Lynsey are customer focused and understand our needs, easy to work with and transparent in all dealing. They recommend the best outcome for you and help us in our decision making process. They keep us informed of the status and offer to help all the time, maintain good communication at all times.

07 June 2022  


After dealing with another broker previously who didn't understand our needs, we have had nothing but exceptional service and advice from our broker. He exceeded our expectations.

06 June 2022  


Michael did a great job of advising me of better options in the market. He made my transition to another institution very hassle free. Highly recommend Michael for all your mortgage needs, and i will be definitely using him again!

01 June 2022  


24 May 2022  


We have been working with Michael and his team for 7 years now and the experience and service provided has always been fantastic. He has always been able to find us a great deal! The loan and refinancing applications he has assisted us with have always gone through without any complications and he was always available took to work through our many questions and provide the right advice for our needs. Highly recommended

17 May 2022  


10 May 2022  


10 May 2022  


05 May 2022  


I was introduced to Michael Karp over 5 years ago and he has helped me make the best financial decisions. I have and will recommend Michael to all my friends and acquaintances. I give him 10 out of 10 for his service, approachability and most of all best financial advice.

15 March 2022  


Michael Karp and his team were, again, a pleasure to deal with. They went out of their way to assist and to ensure that the loan settled without a hiccup.

07 March 2022  


Michael and his team were amazingly helpful to me - refinancing is a nerve-wracking experience and I could not have been in better or more capable hands! I would and do recommend Michael to anyone looking for financial advise!

01 March 2022  


Fantastic service. Went above & beyond to secure a better home loan solution for us.

01 February 2022  


Just want to say Thank you Michael Karp, for providing informed, caring & understanding service, and never missing a b'days, it's a small token but puts a smile on my face.

I love that you keep things up to date and listen to people's needs.

My friends are very happy with the referral
Keep up the good work!

21 December 2021  


Michael was very helpful through all stages of the process. He was always contactable and prompt and I would be happy to use him again in the future.

16 December 2021  


Michael worked with us in a very challenging property market and was able to quickly adjust his loan suggestions to our changes in our circumstances. He was always available to answer our questions and to help us through our first-time property purchase. We would thoroughly recommend him to others.

16 December 2021  


He was professional, approachable and very flexible with changes and supported his client extremely well

14 December 2021  


Michael Karp was absolutely unbelievable. He came to our house when we were busy, explained everything in simple language, and gave really smart tips to make everything easier. His advice was just perfect, and we are so much happier now we refinanced the way he suggested. He is simply the best we've ever dealt with. Thank you!

13 December 2021  


seamless exercise to get loan.

19 November 2021  


Excellent service and I always highly recommend smart line

17 November 2021  


16 November 2021  


09 November 2021  


25 October 2021  


Michael is great to deal with and explains everything to us really well. We know he has our best interests as a priority.

08 October 2021  


Michael has assisted me with loans for two properties now, and on both occasions has made the process very smooth and took the time to find the right loan for my circumstances. I would highly recommend Michael and Smartline.

05 October 2021  


Michael was very knowledgeable and professional the entire loan process. He provided a great service and well researched advice. Michael continued to keep in contact the entire process and provided consistent updates. We were extremely happy with our service and would recommended Michael to anyone.

26 September 2021  


Michael and his staff were wonderful and communicated well through the entire process. I can highly recommend him and his team!

08 September 2021  


Michael and his team were great to deal with, and always available to answer questions and talk through our changing scenarios.
Their communication was great, and they kept us updated throughout the whole process.

01 September 2021  


31 August 2021  


13 August 2021  


I had total support through the whole time. All my questions were answered timely and with respect, For me not knowing how all this house purchasing works, I felt I could ask anything and not feel silly, very happy home owner now.

01 August 2021  


17 July 2021  


Michael and his team, did an excellent job in finding the right loan solution for our needs.
We look forward to continue to work with Michael and Lynsey

13 July 2021  


13 July 2021  


Michael and his team are the best. Very professional. Will continue to use them :)

22 June 2021  


very happy with his assistance and guidance

13 June 2021  


Very professional service and always keep us informed along the way.
Thanks for providing a great experience.

09 June 2021  


09 May 2021  


07 May 2021  


Very easy process

23 April 2021  


Michael Karp was excellent and professional in his approach. He is extremely helpful and has got extensive knowledge in home loan finance. I highly recommend to use Michael's service. - Ancilla Dias

19 April 2021  


Michael and his team were very helpful throughout the whole process after we had used another broker previously and had nothing but troubles. Very happy

12 April 2021  


28 March 2021  


25 March 2021  


23 March 2021  


16 March 2021  


I wish I had re-financed my loan so much earlier. Michael made the process to much easier than I thought it would be.

12 March 2021  


12 February 2021  


Michael has once again provided excellent service in changing our loan arrangements to meet our needs, and stay ahead of the market with products and rates. We highly recommend his services. Thanks again!

09 February 2021  


Dealing with Michael was a pleasure and very profesional in every aspect. He went out of his way to accommedate me with times and his advise. Evan though my loan wasn't large he still went beyond my expectations.

01 February 2021  


Being with Michael for many years always helpful in all aspects and will continue to work with him

20 January 2021  


Broker did not value-add. When problems arose, we found going straight to the local bank was much more efficient than approaching the broker. If we had our time again we would have dealt directly with the bank as it would have been much easier

19 January 2021  


Michael Karp was (again) excellent

27 December 2020  


24 November 2020  


very happy with the service provided

18 October 2020  


Michael was incredibly supportive during a very challenging time.
He was always prompt in returning emails and incredibly supportive throughout the entire process.

29 September 2020  


Michael has always been super responsive and helpful (along with all the staff at Smartline). For a mortgage newbie like me it's great to have someone on your side that explains things clearly in a language you can understand.

22 September 2020  


I regularly recommend Michael.
He is terrific at what he does.

22 September 2020  


03 August 2020  


We were very happy with Michael. We felt that the bank just kept asking for more and more and more and was making things very difficult for us. Michael kept us informed all the way and was readily contactable. We recommended him to our daughter.

02 August 2020  


Once again Michael Karp and his assistant Lynsey Byrnes delivered. Always keeping in touch and making the process of refinancing so easy. I have recommended family and friends before and will continue to do so. Well done guys!

22 July 2020  


I can very highly recommend Michael Karp and Smartline to anyone wanting to refinance or apply for a new loan. He was amazing! Very professional and informed but also friendly and approachable. Im very confidant with my new loan. Thankyou!

30 June 2020  


Michael Karp is the go to man. Already recommended him to my friends. The whole journey with Smartline is a wonderful experience because of you Michael and Smartline team. Kudos on accountability, most reliable ...

29 June 2020  


28 June 2020  


Michael has been my broker for over 10 years. He initially got me out of a tough situation when my last broker unexpectedly quit and has helped me purchase 2 properties since and refinanced at least twice. His team was great with my last purchase.

16 June 2020  


Michael has been absolute delight to deal with. Very efficient and professional with his approach. He has been helping us since last few year. I'd highly recommend his service.

06 June 2020  


Wonderful people to work with. They will surely meet your expectations. Would gladly recommend them for all your home loan needs. Thanks a lot

01 June 2020  


20 May 2020  


Michael helped us greatly through the process of getting our home loan and buying our first home. He explained the whole process clearly and was always available for questions. He made the process as stress-free as possible. Thanks again Michael!

11 May 2020  


We really had a great experience working with Michael and his team. Friendly and professional service with great advice.

12 April 2020  


Michael Karp was my advisor, he made refinancing easy and stress free, and found me a home loan which was 1.2% lower than my original. He listened to any concerns I had and was always readily available to answer any questions.

07 April 2020  


02 March 2020  


During the process I had 3 points of contact at Smartline and the information flow was a little fragmented. Some of the details were not explained till the very end.

01 March 2020  


20 January 2020  


01 January 2020  


Nothing was too much trouble for Michael

27 December 2019  


Michael Karp was extremely responsive and a pleasure to work with. His knowledge of the industry is extensive and his customer service is outstanding. I have already referred Michael and his team on to family and friends. I'm in my new home and am very happy and feel fortunate to have had Michael involved in the process.

25 December 2019  


Michael - good the job done easily, excellent communicator, very professional.

23 December 2019  


22 December 2019  


18 December 2019  


Michael was able provide best solution towards meeting our mortgage, the process was transparent and open for discussion.

Very helpful specially with many limitations that we faced.

Thank you.

03 November 2019  


Micheal was an Absoloute star! We had seen 2 brokers before micheal and they didn’t even come close to the service that micheal provided, he was very informative and helped us understand every step as first home buyers

26 October 2019  


Great experience, Michael is helping me from years now. He is friendly and expert in finding great deals.

28 September 2019  


22 August 2019  


Michael was fantastic, as was Lynsey. We cannot recommend them highly enough. Thanks guys :)

11 July 2019  


09 July 2019  


Michael Karp is an excellent broker, couldn't fault him if I tried.

07 July 2019  


Loved my experience with the team. Very efficient & got to the end result within 4 weeks which exceeded expectations.

19 June 2019  


19 May 2019  


Michael is awesome. I highly recommend him to anyone who wants financial advice!

14 May 2019  


I have been with Michael Karp now for many years and his advice and professionalism is always outstanding. Also I would like to make special mention of his Assistant Lynsey Byrnes who in Michael's absence is always quick to respond and follow up on any queries.

01 May 2019  


Michael Karp and team did a brilliant job we highly recommend him and his assistant.

18 April 2019  


09 April 2019  


Michael was very friendly and patient with us and provided clear explanations

09 April 2019  


21 February 2019  


Professional, prompt and easily contactable. Very smooth process with land and house purchase. Have recommended the company to friends

16 February 2019  


15 February 2019  


Michael provided us with an outstanding service. He and his team were always prompt in their correspondence with us and arranged our loan quickly despite some challenges with our circumstances (maternity leave). We would highly recommend Michael as a broker to our family and friends.

08 February 2019  


I am scoring Q3 down a bit due to an email not received/delayed due to misspelling of my email address (by Michael's PA). Not a big deal, it was sorted and the PA was apologetic.

31 December 2018  


20 December 2018  


06 December 2018  


04 December 2018  


02 December 2018  


01 December 2018  


Could not have gone more smoothly considering the narrow timeframe we had to work with. Excellent service! Thank you.????????

25 November 2018  


Michael Karp was extremely knowledgeable and very good at explaining the process in simple terms. His expert advice really helped us in our decision making. I will be recommending Michael to friends and family.

06 October 2018  


15 August 2018  


Nothing to add, really. Michael Karp showed exceptional patience, & always explained issues in language & terms even I could understand, & also with good humour.

15 August 2018  


01 August 2018  


30 July 2018  


Michael was fabulous! Informative, ever so helpful and fun - he made the whole process a breeze. He's also smart enough to surround himself with other great folk!

17 June 2018  


14 June 2018  


25 May 2018  


07 March 2018  


22 February 2018  


21 February 2018  


24 January 2018  


We have been repeat customers of Smartline and again Michael has met our needs and delivered a great product!

19 January 2018  


18 January 2018  


13 December 2017  


12 December 2017  


28 November 2017  


07 October 2017  


I have been organizing refinancing remotely so Michael worked with that and did Skype calls etc but during the application process I mostly dealt with his assistant and felt like that could have been handled better, keeping me informed etc. I've had to make several phone calls to the banks myself where I wish Michael could have followed up for me. The process is ongoing and has not been smooth sailing and I am still waiting for answers to my questions.

22 September 2017  


08 September 2017  


07 September 2017  


05 September 2017  


I was so impressed with the service provided. We cross checked with the banks and found they weren't as forthcoming with important information. Very impressed and have recommended to friends.

19 August 2017  


Michael was excellent. Very professional and thorough.

05 August 2017  


13 July 2017  


From the outset all options were explained clearly and succinctly by Michael. Afterwards we were kept informed at every stage. We're very happy with the service and would happily recommend.

17 May 2017  


Michael goes out of his way to get us the best deal and to keep us informed

31 March 2017  


Michael and Lynsey have been available, approachable and professional in all ways throughout our original mortgage switch, and the subsequent adjustment. I have recommended their services to colleagues and friends, and will continue to do so.


03 March 2017  


07 February 2017  


05 February 2017  


I appreciate the emails Smartline send with current/predicted financial info/trends, I use these as a prompt to review/check on my home loan from time to time.

Although I understand it is difficult to forecast when I should consider fixing my interest I would like a 'heads up' at the earliest possible time as to when, why and a suggested timeframe in effectively managing my finances.

02 February 2017  


Michael did the numbers on several options for us which made us more confident of our decision

14 January 2017  


Professional, honest, clear communication & competitive.

16 December 2016  


14 December 2016  


Michael was friendly and helpful through the whole process, from early discussions for pre-approval through to finalising finance for the house I bought at auction. He was always contactable through the process and was happy to answer any questions I had. Michael and his team made the process smooth and stress free. I recommend Michael for anyone seeking home finance.

23 November 2016  


Definitely strongly agree that the service exceeded my expectations. I have referred 2 of my colleagues to Michael and both have found him to be very approachable, easy to talk to and helpful (as i have too!).

11 October 2016  


Michael from Smartline was efficient and accommodating.

29 September 2016  



12 September 2016  


Michael Karp and the team at Smart Line always go above and beyond to make sure the borrowing process runs as smooth as possibly. This was our second mortgage we used Smart line for and we will be back for the Third. Thank you...

10 September 2016  


It was a pleasure working with Michael who was very friendly & helpful in finding the right loan for me at this time.

Michael was recommended to me by a friend & I would definitely be happy to pass his details onto anyone that I hear is wanting to look at the options available through Michael & Smartline

02 September 2016  


28 August 2016  


15 August 2016  


Michael was very accommodating when it came to the best time and place for us to be able to meet and discuss the whole process. Both Michael and his assistant Lynsey kept us up to date through the whole process, they were both very helpful and available if we had any questions. We have already recommended Michael to friends and will do so again in the future.

23 June 2016  


From our first contact to signing the contract on a well tailored loan with rates we couldn't find anywhere else, we valued every aspect of working Michael Karp and the team at Smartline. He and the business came highly recommended, and our experienced 100% lived up to this.

23 June 2016  


Living in rural South Australia it was difficult to get into Michael's office. However, his brilliant communication skills and availability ensured we could operate and organise everything from over 800kms away. Highly recommended, amazing service.

09 June 2016  


If only there were numbers higher than 10!
Our experience with Smartline and Michael was outstanding. I cannot recommend him and his team highly enough. He was very knowledgeable, efficient and worked hard to obtain our desired result. Nothing was ever too difficult, although at times I'm sure he thought they were. We will be forever grateful.

24 May 2016  


Second time using Michael Karp and his team and will be back again when we need to. Excellent people to deal with and extremely helpful.

Thankyou for all your help.

13 May 2016  


Michael is great - we have used him before, we will use him again and we have recommended him to a number of our friends. During our process there appeared to be teething issues with the new assistant Karen. Karen appeared flustered when we followed her up and unsure of what was going on most of the times. It was unfortunate we misunderstood the instructions as to where to have our money so we missed settlement the first time and had to reschedule. Hopefully Karen has a few more under her belt now...we appreciate everyone needs to start off somewhere.

26 April 2016  


Once again Michael supported me with my application and followed through any issues along the way. Must also make mention of his Assistant Lynsey Byrnes who is also a great asset to Smartline. I would never go anywhere else and if ever my friends talk about their mortgages I always recommend Smartline and Michael Karp!

10 March 2016  


29 February 2016  


Michael at smart line is only ever a phone call away. He helped review our existing loan and found a way to save us money.

19 February 2016  


Michael has always and continues to ensure that processes are fully explained and always looks for the option that best suits me

05 January 2016  


04 January 2016  


Michael was very compassionate and helpful in all areas. We have recommended him to others and will continue to final in the future. Fabulous service from Lynsey his PA too.

01 January 2016  


I was very surprise how fast I got the call back regarding borrowing some money.
When I was searching on the net for some banks/brokers, Michael Karp was the first to reply despite it was on the weekend and after hours.
I had an emergency request and he dealt with it incredibly fast and within the time limit I had.
Michael was very understanding and very informative.
I have recommended Michael to my close relatives and to my friends if it's required.

28 December 2015  


22 December 2015  


Michael is a pleasure to deal with and explains things in laymen's terms so they're easy to understand. He explained the pros and cons of each option so that I could make an informed decision as to which provider to choose. He also recommended a financial adviser who could help me in other areas and this has proved very useful. I would thoroughly recommend Michael and Smartline to anyone seeking this type of service.

21 December 2015  


Michael has been invaluable in my journey to home ownership. Thank you.

16 December 2015  


Cannot imagine a service any better then one provided by Michael. He was always there when we needed him with a professional advice which you can rely on. Very happy having Michael as our mortgage broker.

19 November 2015  


19 November 2015  


Nothing was too much trouble for Michael. He went out of his way to make the process as easy as possible. We loved his professional but down to earth approach.

15 November 2015  


Michael karp's continuous help and support over the years has been fantastic for me as i am so busy with my role as a production manager and have little time to get things arranged and sorted myself,so thank you Michael and thank you also to the Smartline team.

13 November 2015  


Having dealt with banks one on one in the past, I can understand how stressful and time consuming this process can be. To have Michael and Lynsey provide this service and ultimately secure us with a highly competitive home loan that met our needs - my wife and I are forever grateful and will strongly recommend Smartline to friends and colleagues.

20 October 2015  


19 October 2015  


I have been dealing with Michael for a number of years now including prior to him joining Smartline and have always found him more than accommodating and has a personal touch remembering his clients even if they haven't been in contact for a few years.
I highly would recommend him to anyone.

08 October 2015  


Both Michael and Lynsey have been fantastic on both occasions I have required their service. The initial reason I chose Michael was that after speaking/meeting with several advisors, he was the only one who could advise me correctly on a favourable purchase. He was also the only advisor who didn't expect me to have a partner/parent assisting me given I was a single female. He's pleasant to deal with, very informative and always easily contactable.

26 September 2015  


Michael is friendly, always available and quick on replies. He makes the borrowing process less scary and gives open and honest feedback- setting my expectations from the start.

23 September 2015  


15 September 2015  


16 August 2015  


I would like to also recognise the efforts of Michael's PA, Lindsey. She was fantastic as well!

16 July 2015  


Looking forward to use again.

22 June 2015  


When Michael was to be away from town he ensured that all matters were being taken care of by his colleague. The advice and transactions went briliantly.

13 May 2015  


Appreciated Michael's professional prompt/infomred service and the assistance provided throughout the process.

11 May 2015  


Michael was always very responsive to calls/emails. I have already recommended him to friends/family.

10 March 2015  


Michael is a very professional and reliable mortgage Broker who helped me secure a great deal to get my dream home.

02 February 2015  


30 January 2015  


Michael was really efficient and provided timely succient advise to us in relation to refinancing our home loan. We were so impressed we have already recommended him to a friend and my brother-in-law.

07 January 2015  


Ijust want to say how how much we appreciate micahael's support over the yeaars. He has always been very helpful in attending to our needs. He had got fantastic communications skills including a very friendly personality. I would highly recommend Micahel to anyone we know. We plan to use Micahel every time we need his support. So dont ever think off terminating his employment with you, trust me it would be a big loss. Kind regards, Mark

13 November 2014  


13 November 2014  


After having a background in Bank home finance industry - I was always weary of Brokers, however Michael Karp was professional, patient and brillant! He certainly has changed my mind and I will use and recommend his services. His knowledge and quality of service is a testament. Always available or if you was to call you back was timely - A true asset to the organisation!

10 November 2014  


Michael was absolutely brilliant in all aspects of his service. Nothing was too hard and he kept us informed on everything that was happening. He gave us 110% and I would definitely recommend him to other people as I already have. Great work Michael.

05 November 2014  


We found Michael to be very approachable and knowledgeable when organising our new loan. I would also like to acknowledge his assistant Lynsey who regularly communicated with me and kept me up to date in all aspects of the application process.

23 October 2014  


Michael Karp, and his PA Lynsey are a dynamic duo. They consistently deliver amazing service, which help us transition financially through the next stage in our busy lives. For that reason we continue to go back. He gets results!

05 September 2014  



03 August 2014  



03 August 2014  


30 July 2014  


I was lucky enough to buy the worst house on the best street. The bank didn't see it the same way, and turned me down. Michael Karp's commitment to helping me obtain the house I wanted was second to none. Glen Phillis.

18 July 2014  


23 June 2014  


Our broker, Michael, made the process of finding and applying for our home loan smooth and straight forward. We were grateful that Michael could come out to our house to meet with us and go through our options and then again to finalise the paperwork, it made things much easier for us. The best thing about our broker is that he is always easy to get in touch with to answer our questions either by phone or email. We used Michael for our first home loan and we will use him for our next one too.

23 June 2014  


18 June 2014  


My wife & I were extremely happy with the service provided
& the job got done.

12 June 2014  


24 May 2014  


Excellent service

17 May 2014  


Our advisor was terrific. We were really happy with the outcome of our loan, and he made the process really easy. He helped us while looking for a property aswell not just to get a loan, and Michael was full of expert advise. I would highly recommend him to others.

16 May 2014  



16 May 2014  


Great service, caring, professional & ongoing

16 May 2014  


16 May 2014  


Michael was a huge help to us while purchasing our first home. He answered all our questions and was readily accessible, even answering the phone after hours to help us with placing an offer. We couldn't recommend Michael any higher. Thank you for all your help

16 May 2014  


Michael was there for each step of the process, we couldn't have asked for anything more.

16 May 2014  


Our Adviser was always available via email or phone call to answer any questions we had. Very informative.

16 May 2014  


I would and have recommended Michael to family and friends he was incredibly helpful and made everything easy for my partner and I.

15 May 2014  


02 April 2014  


20 March 2014  


18 February 2014  


Michael provided a very thorough and professional service, followed up on outstanding matters with us and the Bank and ensured that everything ran smoothly. I would not hesitate to engage Michael again and would certainly recommend Michael's services to friends and family in the future.

28 January 2014  


We went on a 12 month journey to find and finance a new home in Adelaide. Michael was there with us every step of the way. And when we finally found the house and bought it at auction everything went smoothly and Settlement went as planned. Thanks Michael.

05 January 2014  


19 December 2013  


18 December 2013  


Michael has always provided me with excellent service and I will continue to use him as my mortgage advisor. I have already recommended him to many others and will continue to do so without hesitation. You are welcome to put this on your website.

17 December 2013  


Michael always goes above and beyond no matter how big or small the loan amount. I have recommended him to numerous family and friends who all say the same excellent things.

12 December 2013  


My adviser was Michael Karp who was incredibly helpful and supportive prior to and throughout the loan process. Michael has excellent interpersonal skills and knowledge to answer all of my concerns this enabled me to confidently trust his judgements and timelines. I would certainly recommend Michael to others.

10 November 2013  


I had been focused on buying an Esplanade property for 20 years but always seemed just out of my reach until Michael Karp gave me the direction to which I have applied. I now live in my beachfront "sandcatle". Thank you Micheal, kindest regards, Ali

29 October 2013  


10 September 2013  


27 August 2013  


26 August 2013  


21 August 2013  


As this was the first time I had taken out a home loan I thought the process would be quite daunting. However Michael found the right loan for me and made the whole process simple and stress free. I found Michael to be very knowledgeable and approachable and was kept well informed from start to finish.

16 July 2013  


Yet again Michael Karp, and smartline have taken the stress out of shopping around for the best loan for us. Amazing service, fantastic results, and highly recommended.

09 July 2013  


Michael was extremely approachable, very knowledgeable and he bent over backwards finding us the right deal. Amazing how well he understood our specific needs and how he addressed them. Thanks a million Michael. Dirk

05 July 2013  


17 June 2013  


When I was still looking for a home Michael gave me heaps of suggestions of things to look for when purchasing an established home, also he pointed out lots of differences between looking to purchase an established home or building a new home which in the end helped me make my decision. Greatly appreciated.

17 June 2013  


I found my smart line Advisor remained focused on what was the right thing for me and my finances rather than pushing a product or a service. I have happily put friends in touch with him, knowing they will be looked after.

14 June 2013  


Michael greatly assisted us at short notice, he was always available on email or phone and even met us on a public holiday to mnake sure we would get out loan in on time. Would highly recommend his services to anyone.

07 May 2013  


04 May 2013  


15 March 2013  


Pleasure doing business with Michael, again.

11 February 2013  


I would like to thank Michael one more time for his great service. We saved a lot of time and money and it was an absolute pleasure to do business with him. Regards,
Dragisa Andric

10 February 2013  


Karpy is a legend and with his help I have managed to put myself in a strong position all within my comfort zone. Due to Michael's help I would have no hesitation in promoting him and smartline!!

08 February 2013  


We decided it was time to re-finance and our financial planner recommended Michael Karp. Michael provided some great options for our needs in a very short time frame and we are very pleased with the outcome. Initially, what seemed like a daunting task to tackle on our own, proved to be a quick and easy process with Michael's help. Thanks,
Michael & Melanie Merlino.

06 February 2013  


30 January 2013  


23 January 2013  


This was the second time that Michael Karp assisted me. Although this time was much simpler than the first on both occasions Michael was always contactable to answer any queries and the whole process went very smoothly.

06 January 2013  


Michael Karp is a true professional, thorough,empathetic and a great bloke to boot. He explained everything extremely well and kept us in touch during the entire loan application to settlement process. A true gentleman that my wife and I would be only too happy to recommend to anyone looking for a loan or refinancing an existing loan. Job well done Michael!

18 December 2012  


We are based in Sydney so this was all done via email and over the phone, which can sometimes cause an issue. However Michael Karp was excellent and very responsive and organised. I felt fully informed every step of the way. We had two loans to organise - a refinance and a new purchase - settling on different days. Everything went smoothly for both loans. I would absolutely use his services again and recommend him to everyone.

05 October 2012  


26 September 2012  


Micheal is a very friendly person and makes you feel comfortable with every meeting we have had with him. He explains the options very dillegently; and makes sure that we understand what options are presented. I would highly recommend him to anyone who needs advice on loans; etc. Well done Michael

16 August 2012  


Michael Karp was very professional, he displayed exceptional product knowledge, provided prompt service and was only a call away when we needed him. Fantastic result for all and we had to ask for more business cards for friends!

28 July 2012  


As a first homebuyer, I was daunted by the "mortgage world". However, Michael was very approachable - he was happy to meet with me, talk to me over the phone or send emails to keep me informed at all times and to answer all my questions. In doing so, Michael demonstrated that he was doing all he could to identify the best mortgage for me. Michael's responsiveness and knowledge gave me confidence in him and the process. And the desired end result - a happy home owner/mortgagor - has been fully achieved. Thank you, Michael!

20 July 2012  


24 June 2012  


It was appreciated that at no time did I feel pressured into making a decision.

12 June 2012  


This is our second time using Michael for mortgage advice. We have found him on both occasions to be open, honest and thorough in his approach to finding us the most suitable home loan for our needs. We regularly recommend his services to friends and colleagues and will be our first call when are next in need of a home loan.

05 June 2012  


03 May 2012  


Michael has been fantastic in helping me with both my loans. He makes me feel very comfortable and is happy to answer even the silliest questions. I have never hesitated in recommending Michael Karp

08 March 2012  


Michael is brilliant - he made the whole process so easy ... and uncomplicated!! I recommend Smartline to friends and family constantly!!

08 March 2012  


We had been with another loan advisor previously and changed over to Michael Karp when we found out that our other advisor had ceased working in the area without our knowledge and had sold our details to someone else whom we didn't know. Michael, since taking us on, has shown us what good loan advisors are!! We would both like to thank him for his professionalism, his friendliness, his ability to 'get us' and our needs ... his overall 'smartness'. In our opinion he is a very good representative for Smartline.

07 March 2012  


What I did not like was after I had signed the loan documents for ING at an interest rate of 5.99%, I have received a call about 1 week later, that ING had increased their fixed rate to 6.19%. I was given the option either to pay to reserve the 5.99% or accept the 6.19%. I had about 10 minutes to decide. I did not have the kind of money to pay immediately to reserve the 5.99%. I believe once singed on the dotted line banks should not be able to put their customers into such a position, once the customer committed already to a certain percentage. I believe stronger negotiations should have taken place between the Adviser and ING.

07 March 2012  


21 February 2012  


Michael was amazing through the whole process! Especially given that my home loan is through Homestart and I do not believe their commission is all that rewarding but their demands are very high.

27 January 2012  


Both my wife and I were very impressed with Michael's attention to detail and availability throughout the process. As this was the first time we have entered into a Mortgage, he walked us through each step and was very thorough in explaining all the areas that needed close attention. it was a very value add service at all times

24 January 2012  


Have already recommended your services to family & friends. Michael was a great help and very accomadationg with times for our appointments. He has been very helpfull with setting up our new home loan and we will continue stay in touch with him in the future.

30 December 2011  


I have sent an email to my colleagues suggesting Michael's services

12 November 2011  


Our advisor Michael Karp was exceptional. He kept us well informed during every step of the process, was professional and courteous and his follow up since has been second to none. I would definately use and recommend Michael again in the future. His advice for future investment possibilities has also been invaluable. A big thankyou to Michael and the Smartline team !

08 November 2011  


Michael kept sending my husband and I birthday cards on our birthdays. He also keep us in contact update us with good deals. Actually this is the second times with come back to him. We also did recommend him to some of our friends.

23 October 2011  


Michael Karp was awesome to deal with, made the process as easy it can be, pushed the banks hard and got my loan sorted. Wasn't easy for him but got the job done. Very Appreciated.

13 October 2011  


I have used Michael again with assisting me with my second homeloan. He is always very profession and prompt with responding to my needs. The whole process was very easy from my point. A great job!

11 September 2011  


07 September 2011  


I have used Michael for a loan previously and he has been very helpful yet again with this loan, thank you.

07 September 2011  


04 August 2011  


Michael has helped me greatly over the last couple of years - he has always available to answer my "silly" quetions .. it helps immensly when you are buying your first home on your own ... I was never made to feel dumb or an inconvenience!

18 July 2011  


He got our names wrong on the application, my fiance is a Miss, not a Mrs. He lost the application for the First Home Owners Grant, so we had to find $7k 3 days before settlement. We personally were lucky that we did find the money, if we didnt have the extra $7k spare we would've not secured the property. Overall not happy with the service, the adviser was quick to shift the blame to ANZ when it was obviously his blunder.

18 July 2011  


14 July 2011  


02 July 2011  


Michael was very helpful during the whole process and also offered other services to us which we may take up at a later date . THANK YOU.

30 June 2011  


Pleasure to deal with and went above and beyond to get us our loan even with what could be called difficult circumstances.

14 June 2011  


The process took a lot longer than we had anticipated, this seemed to be on the side of the bank.

07 June 2011  


04 June 2011  


I wanted to raise funds from ING, my existing mortgagor, to purchase Solar Panels and at the same time clear up four other debts. Rather than deposit funds into my existing ING account to pay off the four debts electronically, ING chose to write out four cheques. This entailed visiting personally the four debtors, which was time consuming. ING did not get accurate payout figures which caused complications with some of the debtors. In the case of ANZ Bank the cheque was deposited in the fully drawn account and then the Head Office had to arrange for the excess funds to be transferred to one of my other accounts about a week later. I can understand that ING would want to see that the funds were applied in the manner requested but a simpler system like signing an agreement to do so, would have been much simpler, particularly to a customer with a good credit rating who had been a customer for a number of years without default of any kind.

05 May 2011  


Michael was recommended to us by a friend for being a helpful broker who provided great service. Michael certainly met those expectations and I would not hesitate in recommending him to others.

18 April 2011  


This was a stressful time for us, and we found Michael to be extremely efficient, positive and calm throughout the whole process. staying professional whilst still building a great client/broker relationship. I hope that we may continue to utilise, smartline and Michael Karp's services if need be in the future. We would, and have recommended you to others and were totally satisfied with our experience. Thankyou so much. Ann Villis and Peter Tsatsos

23 March 2011  


12 January 2011  



07 January 2011  


Michael was terrific, he responded to our phone messages / emails really quickly. We will definatley use him again for our financial requirements

30 December 2010  


10 December 2010  


ING caused us a significant amount of stress by changing the loan amount which meant we had to find another 3.5K 5 days from settlement. Michael worked very hard to get this money back and we are very appreciative. We have referred other people to Michael previously and will continue to do so.

22 November 2010  

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