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Michael White


Average client rating
4.9/5 From 163 Reviews

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We have had Michael White as our mortgage broker for many years now. He has always been approachable and professional. I cant recommend Michael highly enough.

12 June 2024  


Michael was recommended to us by some friends and I am glad he was He is friendly, professional, helpful and efficient He made a very daunting process, very simple for us Would highly recommend Michael and his services Thanks Michael

10 June 2024  


Micheal refinanced my home loan for renovations, and with a better rate all in 2 weeks Very smooth and easy transaction and great communication the entire way. A pleasure to work with

12 March 2024  


I couldn't have asked for a better experience whilst working with Michael during the process of purchasing my first property. Michael had my interests and requirements at the forefront of his mind from our initial meetings to post settlement. Michael exceeding my expectations, and made buying a home feel like a walk in the park. Highly recommend Michael's services.

29 February 2024  


I have used the services from Mortgage Choice and Michael White for many years with all my mortgage and home buying purposes. Michael has been a great source of knowledge and has helped me on any matters that I have been unsure of. Having Michael as my mortgage broker I will continue to use his services in my future home buying requirements and recommend him to anyone looking for a broker.

23 February 2024  


Michael was great in helping us get our mortgage finances set up, he made the whole process feel effortless Very fast, very professional and would highly recommend

12 February 2024  


Michael helped me with my home loan and he did an amazing job. I had no idea what I was doing and he helped me though the whole process from finding my property all the way to settlement, answering all the silly questions I had along the way. I would recommend Michael to anyone looking for a home loan.

21 October 2023  


Absolute outstanding service from Michael White He has been my mortgage broker for many years and has provided me with excellent service and the best deal every time. Highly recommend Michael for all your Mortgage Broker needs.. Thanks Michael

18 August 2023  


This is the second time I have turned to Michael White to help me obtain finance for a property. Neither was straightforward, but Michael makes it all appear so. He just gets on and finds the best deal to fit and then makes it all happen. Extremely responsive to emails, texts and phone calls to put our minds at rest, confirm something or organise a complete change. Settlement completed on time, enabling us to move in smoothly with pre-booked removalists and shop deliveries. If you need finance with an efficient and personal touch, Michael is your man.

13 July 2023  


16 January 2023  


Helped every step of the way during my loan process. Professional and personable, would not hesitate to recommend Michael.

02 January 2023  


12 October 2022  


Satisfied customer!

22 September 2022  


Michael White is a great guy to deal with. Readily available and keeps you up to date along the way.

28 July 2022  


12 July 2022  


Michael White is the best advisor we have had in the last 16 years. Always contactable and a genuine nice guy.

22 March 2022  


Highly recommend Michael White to anyone looking for a mortgage broker

14 October 2021  


04 October 2021  


Michael came highly recommended from a friend and lived up to expectations. Looking forward to continue to work with Michael into the future.

02 September 2021  


26 July 2021  


Michael was excellent throughout the whole process. He was available when I needed assistance and addressed my queries promptly. Michael was recommended to me by family members who he has assisted and I have no hesitation in recommending him.

19 May 2021  


My customer experience with Michael was absolutely amazing! He communicated with me regularly and responded to my questions promptly. Absolutely appreciated him going over and above to ensure everything went through smoothly. Susan B

08 April 2021  


29 March 2021  


Been dealing with Michael for many years. Outstanding service and always a pleasure to deal with.

20 January 2021  


Always professional advice and comprehensive coverage of all the requirements

19 December 2020  


Michael White was an absolute pleasure to deal with. Always contactable,kept us fully updated throughout the whole process and a very friendly and approachable person to deal with.very happy to leave our mortgage needs in Michaels very capable han.

18 December 2020  


I am 400km from the nearest bank. Michael was so helpful and patient in answering my questions. He gave me sound advice about a range of loan providers and was efficient in following up with the conveyancer and real estate agent on my behalf.

01 December 2020  



Knowledgeable, professional and very willing to work through your mortgage requirements - I cannot recommend Michael more highly.

12 October 2020  


Great service

12 October 2020  


Thanks again Michael, your prompt and friendly service was absolutely outstanding, we can not thank you enough and tell family and friends about you. Forever thankful, you really are the best Michael,
Alan and Rachel ??????

16 August 2020  



06 August 2020  


Michael did a great job in getting everything organised & kept me well-informed throughout the whole process. Thank you!

22 March 2020  


28 January 2020  


16 October 2019  


I had an amazing experience with Michael! He made everything easy. I have already recommended him to friends and family.

02 October 2019  


18 September 2019  


06 August 2019  


Michael was great throughout the whole process

18 March 2019  


10 December 2018  


Michael white was very helpful with helping find the right home loan and also walk me through building my first home. Couldn't have asked for a better and easier experience.

17 July 2018  


Michael White has been fantastic with organizing everything and explaining the process as I progressed through building a new home. He explains things in simple and easy to understand terms.

13 June 2018  


12 April 2018  


08 April 2018  


13 November 2017  


03 June 2017  


Michael is great - best thing Ive done is to connect with him. He make refinancing to get better deal possible and easy.

19 April 2017  


Looked after us really well. Was available to sort out any little queries/questions we had straight away.

26 February 2017  


09 February 2017  


23 October 2016  


The service and recommendations I received from Michael White was on time and very efficient and assisted me throughout the process and I would recommend Michael to friends and relatives.

18 August 2016  


Michael was flexible to meet with us around our childcare needs and was prompt and kept us informed along the way.
Michael is informed and supported us to quickly finding the right solution to our mortgage review.
I would happily recommend Michael White.


22 July 2016  


Easily the best broker I\'ve dealt with. Professional, articulate and somewhat handsome

21 May 2016  


I would and have recommended Michael to other clients. Would not hesitate in using him in the future.
Kind regards
Ross Martinson

22 April 2016  


14 April 2016  


Michael provided us with a great service and was more than willing to listen to our needs and he helped find the solution the best suited us.

08 March 2016  


Michael was more than helpful with anything we needed and made it very easy for us

13 February 2016  


This is my second time to seek advise and service around loan requirements from Michael and again found it to be a very satisfactory contact

07 January 2016  


Michael White was very knowledgeable and professional. He guided us through a very stressful time and we were very happy with the final outcome he assisted us in achieving. Would highly recommend him to our friends and family. Thank you for all of your assistance - we are loving our new home!

15 December 2015  


01 December 2015  


Michael was excellent, patiently taking me through my first purchase. He kept me up to date and well informed throughout the process and explaining in detail the options and stages.

18 November 2015  


I\'ve used Michael many times for business and personal finance. His service has always been excellent and not once had I encountered any difficulties, delays or problems during the process. On top of it all, he\'s a really nice guy and easy to deal with. Highly recommended.

22 October 2015  


Michael adjusted our loan amounts as best he could to avoid any potential loan insurance and save us money. We\'ve engaged him a few times now to re finance, and this time for our first build and he has been nothing but helpful, even visiting our home just to explain the build process to us. Couldn\'t be happier and have recommended to friends and family.

18 September 2015  


12 August 2015  


12 August 2015  


Michael contacted as so quickly it was great and fitted into our schedule well so no stress.

08 August 2015  


13 July 2015  


27 June 2015  


Thankyou michael white for all of your help. You made the process of our home loan so much easier :) We really enjoyed having you as our broker and would deffinatly reccomend you and smartline to our friends and family. Thank you again! James & Sharee

26 June 2015  


I value not going into an office, can be done anywhere anytime. Right balance of dealing with a person and not having to go through endless talking.... We got what we wanted and we are very happy customers. Would recommend the process, company and the person. Thank you.

21 June 2015  


Michael is excellent.

15 June 2015  


12 June 2015  


03 June 2015  


We would just like to say that Michael White is an exceedingly top adviser, extremely helpful and always there for our every question. We can not talk highly enough of this young man and recommend him to all of our family and friends,he always puts your mind at ease with any worry or concern and we hope to be able to deal with Michael again in the near future, thank you Michael

08 January 2015  


Michael is always very professional both in attitude and appearance. He is very generous with his time and replies to queries in a very timely manner.

26 December 2014  


07 December 2014  


Very helpful throughout. Kept me informed right through the process and sorted out a couple of little issues I was having with the bank (which were nothing to do with him) straight away. Extremely good customer service.

24 November 2014  


14 November 2014  


We had a very complicated situation and Michael was able to solve all issue and help us achieve our end goal. We are now dealing with him for vehicle finance.

16 October 2014  


Michael's service was always to high professional standard and ensured we were kept up to date with information. He also provided great assistance when the process encountered obstacles as a result of other parties involved. He is a credit to Smartline and would definitely recommend him to friends and family in the future.

07 October 2014  


In what appears to be a myriad of overly complex sales pitches and convoluted industry terms Michael delivered a service that was not just simplistically informative but comforting in what was to be the one of the most important financial buying decisions of our lives. I went forward not just knowing we had someone vested in our decision but someone that genuinely cared about the outcome. I cannot recommend his service highly enough.

03 September 2014  


Michael helped us out through out the whole process and it was good to have him as a another opinion in the finance selection.

25 August 2014  


Friendly efficient service, everything went smoothly and fast. Very impressed.

18 August 2014  


I would like to thank Michael White and Smartline for organising my home loan. Your representative was so easy to work with; Michael came to my home at a time convenient to me and made it seem so easy I couldn't believe we were negotiating a home loan facility. He worked with myself from start to end and made himself available anytime if I had any questions. Even through the turmoil of Settlement and Bank communications Michael was level headed and provided all the communications and made sure I was kept up to date with the progress of my applications. I highly recommend Michael White and his team at Smartline Personal Mortgage Advisers Carl Brooks
Gosnells, WA

09 August 2014  


Michael has been a great adviser. Always providing sufficient advice to assist in decision making. Also effective in chasing up loan applications with the bank and any delays or errors made. Highly recommended.

05 August 2014  


21 June 2014  


08 June 2014  


Michael was very professional, knowledgeable and helpful. He was at all times approachable, happy to clarify information as required. He was great at returning calls too. I would not hesitate to recommend him to others

25 April 2014  


15 January 2014  


Be more accessible by phone, always had to leave a message. Proposed loan package was wrong. I felt adviser not aggressive enough with bank. After a knock back from the bank, adviser gave up. I continued with negotiations with bank and succeeded getting loans approved. Adviser now picks up his commission. All adviser did for me was introduce me to the bank. Not bad work if you can get it!

06 January 2014  


11 December 2013  



28 November 2013  


From our first meeting with Michel White, he instantly made us feel very comfortable in discussing our financial affairs with him, we were
in need of a solution to get ahead and we trusted
his judgement, he has an extremely nice disposition.

28 November 2013  


From our first meeting with Michel White, he instantly made us feel very comfortable in discussing our financial affairs with him, we were
in need of a solution to get ahead and we trusted
his judgement, he has an extremely nice disposition.

28 November 2013  


From our first meeting with Michel White, he instantly made us feel very comfortable in discussing our financial affairs with him, we were
in need of a solution to get ahead and we trusted
his judgement, he has an extremely nice disposition.

28 November 2013  


I have already recommended Michael to a work colleague and will definitely continue to deal with him for any future needs

24 November 2013  


I have already recommended Michael to a work colleague and will definitely continue to deal with him for any future needs

24 November 2013  


20 November 2013  


Michael is a very proffessional and friendly person, an asset to Smartline..

06 November 2013  


25 September 2013  


Michael found us a loan that was cheaper than any other on the market and was extremely helpful with chasing documents on our behalf.

01 September 2013  


16 August 2013  


This is the first time we have delt with Michael and we cant speak highly enough of his Work and how much information he gave us and how much time he spent sorting out all the glitches that occured prior to settlement. He has a great rappport with people and nothing was too much for him to attend to.We already have Michael assiting our Young son and will again contact Michael in the future if we have the opportuninty to invest again. I know our son will definately be re investing in the near future.Michael is Definately an assett to any buisness. Regards Leanne & Mark

06 August 2013  


Both Dennis Smallwood and Michael White were great to deal with in getting loans for my property purchases (past and present) and would not hesitate in contacting either at Smartline again for my financial requirements.

06 August 2013  


16 July 2013  


Just so easy to deal with. Our advisor took care of everything, and helped us get the right loan for our circumstances. I will definitely recommend him to my friends.

23 June 2013  


19 June 2013  


Michael was professional in every aspect of our business together. we would recommend Michael to any one.

17 June 2013  


As a first home buyer, the whole process was made simple and transparent. Any fears of choosing the wrong loan product or signing something incorrectly were suddenly gone.

17 June 2013  


Better than any bank I have ever dealt with.

15 June 2013  


Once again Michael has been excellent in helping us with securing a homeloan. He shows real professionalism in his job and is always willing to field questions we have. I would highly recommend Michael to family and friends. Rob & Fiona Kibblewhite

22 May 2013  


Dennis was fantastic through my refinance process

18 February 2013  


Michael has been extremely helpful in advising and then taking me through the application process, as well as advising on how the loan will be managed moving forward. The only reason I would not recommend Michael is because I dont recommend financial services to friends, unless specifically asked. If asked - I would suggest Michael.

15 February 2013  


Dennis also called when the loan had been disbursed and Settlement completed.

24 January 2013  


Michael did a great job to help us buy our first home. He was easily contactable and answered any of our questions we had and made the whole process relativity smooth. Would reccomened to anyone.

26 December 2012  


19 December 2012  


Just fantastic

14 December 2012  


07 December 2012  


Michael really "held our hands" during the process of buying our new home. He was easy to get in contact with and made the whole process uncomplicated and relaxed.

16 November 2012  


12 October 2012  


Our advisor Michael was brilliant. This was the first time we had used a Morgage Broker and the total service was so easy for us and made it a stressless experience. Would strongly recommend the use of Smartline for any morgage advice.

15 September 2012  


Michael did a great job taking the stress out of the process. He kept us up to date and informed the whole way, even while we were travelling overseas. This was greatly appreciated.

11 September 2012  


26 July 2012  


first class service

31 May 2012  


Michael was helpful and professional every step of the way, never judgemental about accidental omissions or surprises and always gave a solution.

10 May 2012  


Michael is courteous and patient. He has helped to make my first home buying experience less stressful. I would defintiely recommend him to my friends.

30 April 2012  


30 March 2012  


My advisor Michael White, help so much and gave me all the assistance i could possibly ask for. i appreciate greatly all that Michael has done to help me sort out my new house. Thankyou

21 March 2012  


Our Smartline Advisor was extremely helpful and knowledgeable. The appointment time attendance were spot on, as arranged.

02 March 2012  


22 February 2012  


22 February 2012  


09 February 2012  


Michael was very professional throughout the whole period of the loan structuring process for us. He was extremely patient along the way with our many queries especially as we did most of this from abroad. It was reassuring to us that Michael was there "on the ground" in Perth helping us along through the process so that we could get the loan in place in time. Michael has been advising us for a number of years now on several potential purchases and finally we comitted to this recent one ad we were very happy with his professional service. Regards,
Rob & Fiona Kibblewhite

11 December 2011  


I feel I cannot add to the service I recieved from Michael because as far as I was concerned he ticks all the right boxes.Nothing was a problem for him. I am working overseas at present and added to that was in process of a change in title deed on a property which was currently under way with building.Michael had to deal with settlement agent,bank,builder(time constrants with all of this), and me, in finalising the deal of which he pulled off within time.He constantly kept me in the loop,which can be frustrating when working overseas,putting my mind very much at ease.Michael is a true professional in the service he had provided.

01 December 2011  


09 November 2011  


Michael make our re-finance option very quick and very easy. I will most certainly be looking to use his services again in the near future. He made it very easy for us. Regards Pat Hill

30 September 2011  


Michael was absolutely instrumental in advicing us of all the options we needed from the beginning of our enquiry, to the time we needed to purchase our block and was there for us all the time when, we were inquiring about what to do with the existing bore site while the block was on offer. He was there patiently waiting for me to advice me when to go ahead to sign forthe loan.

21 August 2011  


22 July 2011  


Michael has been amazing! My partner and I haven't had to worry about a thing during what could have been a very stressful financial process. Michael's level of customer service is outstanding and his willingness to go out of his way to make sure everything was taken care of on both the banks end and ours was commendable. He's an asset to your company and we would highly recommend his services to anyone.

18 July 2011  


07 June 2011  


20 May 2011  


13 May 2011  


I thought Michael White was excellent. Organised, reliable, trustworthy, competent and very pleasant to deal with.

06 May 2011  


Even though this transaction was only a small adjustment to my original mortgage, I was given the same support, advice and attention as though I was a big lender and I appreciated that.

18 March 2011  


22 December 2010  


09 December 2010  


Michael was very professional, helpful and prompt in his service.

22 September 2010  


Michael is fantastic at what he does. The process was easy.

21 September 2010  


15 September 2010  


Thanks so much Michael - you certainly went above and beyond to help us out....

29 July 2010  


25 June 2010  


27 May 2010  


19 April 2010  


Michael was awesome. my first time using a mortgage broker. he made the experience a stress-less one.

21 January 2010  


Fantastic service. Professional, efficient and friendly. Best ever!! Easily the best mortgage broker I have ever used.

22 December 2009  


09 December 2009  


03 December 2009  


02 December 2009  


25 November 2009  


Yes the service was excellent, and Michael responded promptly every time we had a question. Thanks very much.

05 November 2009  


I found the whole experience easy and enjoyable. Michael White was extremely helpful.

16 October 2009  


Michael was very helpfull in finding the right loan for my circumstances. I found he was easily approachable and contactable and we had everything organised in plenty of time.

08 October 2009  


I had originally spoken to Michael in November of last year when my ability to get a home loan seemed to be on a par with my ability to find buried treasure in my potted petunias. However, he was pro-active and contacted me a few months later when lending

03 October 2009  


service was efficient and on time

05 August 2009  

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