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Phillip Morgan


Average client rating
5/5 From 191 Reviews

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We are so grateful to Phillip for his hard work and dedication, which has enabled us to buy our first home. Phillip worked around the clock to answer our questions and follow things up for us,and has made the whole process so breezy and fast, he handled everything for us, making it all so easy and simple to understand! We don't know how we would have gotten through this process without him, and we are so glad we got to embark on this journey with him. Thank you again Phillip, for opening up this chapter of our lives and making it possible, we're eternally grateful.

12 April 2023  


I have been with Phillip for 20 years and he is the best to deal with and a great person.Thats makes this process easy.

11 December 2022  


Phil has been an absolute stand out for us. This is our second time using his services and we wouldn’t go with any other broker. He goes above and beyond what I could have ever expected. Any one else would be a poor second to what he provides. Communication and support was second to none. He was readily available to answer any questions I had and there was a lot! Cannot recommend him highly enough.

23 May 2022  


Phil has been an absolute stand out for us. This is our second time using his services and we wouldn’t go with any other broker. He goes above and beyond what I could have ever expected. Any one else would be a poor second to what he provides. Communication and support was second to none. He was readily available to answer any questions I had and there was a lot! Cannot recommend him highly enough.

23 May 2022  


Phillip went above and beyond to help us with our loan inquiry. He was always available to discuss any questions and was extremely clear about our option. Phillip was very friendly and approachable as we navigated a new investment. We could not have been any happier with the support and guidance Phillip provided through the whole process.

11 May 2022  


We have used Phillip Morgan over an extended period. He is a professional, affable and we have and would continue to recommend Phillip to our friends and colleagues.

05 May 2022  


Phillip was fantastic, he's been my broker for 10yrs now & would refer him to everyone looking to for financial advice.

29 March 2022  


Phillip's service was outstanding! Professional, knowledgeable and great at communicating throughout the whole process 10/10

28 March 2022  


Very good service and advice

13 March 2022  


My Smartline advisor Phillip Morgan was outstanding, always quick to reply to any request or question, very knowledgeable and provided great advice on the best loan product for us.

01 February 2022  


Phillip Morgan has gone above and beyond on each of our loan processes. He is very prompt and detailed in his correspondence and is always willing to explain things to us and nothing is too much trouble. The information provided on products is comprehensive and always well explained. We're very happy with the service Phillip provides and don't want to have anyone else handling our finances as we trust and appreciate the service he provides.

28 November 2021  


01 November 2021  


Phillip was fantastic, nothing was too much trouble, he very clearly explained all the options and was very responsive.

25 October 2021  


Very informative throughout the entire process, was able to fully understand my needs and responsive to all questions.

02 October 2021  


Phillip Morgan provided an absolute outstanding service, very professional.
Thank you

31 August 2021  


We were referred to Smartline by our Accountant - our advisor Phillip Morgan completely exceeded our expectations and took care of everything. Prior to Phillip we had tried to secure finance through Bank of Melbourne; however, as I was self employed our loan was put in the too hard basket. We are so grateful to Phillip for securing the loan for our dream home. This was a stress free process, besides providing relevant documentation, Phillip did everything else - it was so easy !! We would highly recommend Phillip Morgan from Smartline to anyone needing to secure finance.

10 August 2021  


10 July 2021  


Phillip Morgan was absolutely amazing! Through the whole process of purchasing a property he shared his wealth of knowledge with us every step of the way. Phillip made everything so simple for us and always replied promptly. Thank you!

28 June 2021  


Philip was very helpful and kept me informed of my progress would highly recommend him.

31 May 2021  


04 May 2021  


Phillip was a wealth of knowledge and gave us solid and honest advice. He was very accessible at all times and answered every email promptly. His recommendations were given with the most sincere care for what would work best for our family!

25 April 2021  


25 April 2021  


02 March 2021  


Phillip is one in a million. Honest, incredibly knowledgeable & completely dedicated to achieving the best outcome for you. He worked round the clock & made securing a loan I dare say, easy and enjoyable! Wouldn't let my family go anywhere else.

04 February 2021  


Phil was Excellent. Communication was spot-on. As soon as he had Info from the Bank - he passed it on to us and kept us informed.

03 January 2021  


24 December 2020  


Phil Morgan is a very dedicated adviser and over the four loans I have had with his service, he has delivered exceptional customer service every time.

21 December 2020  


Phillip Morgan goes above and beyond and never left us behind. We had a complicated situation but he was always patient, responsive and helped wherever he could, even where it wasn't his responsibility.

25 October 2020  


Phillip is the most thorough, professional and reliable people I have ever had to deal with. You can be 100% guaranteed he will help you to the best of his ability. Always keeping you in the loop and updating you with progress. Thank you Phillip.

14 October 2020  


We use Philip Morgan and he is perfect and professional for the role

19 September 2020  


12 April 2020  


12 April 2020  


Phillip is an absolute expert in his field and his knowledge is outstanding. So friendly and professional to deal with. Thanks Phillip

09 April 2020  


26 February 2020  


Phil is quick to respond with great explanations, and always encouraged follow up questions. There has been minimal stress associated with building a new home, and organising to rent my current home thanks to his high standards and professionalism.

26 February 2020  


27 January 2020  


Phil Morgan from smartline Geelong is the best you will ever get! His service, knowledge and can do attitude is amazing. He works for you as if it’s his own Loan to get the right outcome. My partner and I can’t thank Phil enough for everything he has done as this is our 3rd property with him ?? Thanks again Phil

23 December 2019  


Phillip just makes it so easy good communication skills not talking you into things you don't need.

12 December 2019  


Phillip is just so thorough.
Answered every query and thought of all eventualities.
Highly recommended.

16 November 2019  


Phillip Morgan is AMAZING! He went above and beyond, we can’t thank him enough. I will continue to recommend him to anyone that needs finance.

04 November 2019  


A fantastic experience. Phillip kept us up to date at all times with emails and phone calls. I would highly recommend him

23 October 2019  


10 September 2019  


Phillip is brilliant! So informed and helpful

01 September 2019  


27 August 2019  


Phil is always very contactable and made the whole process extremely easy. Highly recommended to friends and family already.

05 July 2019  



12 April 2019  


03 April 2019  


08 February 2019  


Phil was an absolute pleasure to deal with .. his communication throughout our process was first class and I would certainly recommend him to all my family and friends ..

I will definitely be using Phil again if need be ...

Thanks Phil

The Helman’s

02 February 2019  


25 January 2019  


Phil always goes beyond my expectations to keep me informed.

25 December 2018  


Phillip was exceptional helpful and went over beyond to ensure my loan process went smoothly and on time.

07 December 2018  


Had a very positive experience- we were well informed and were able to troubleshoot any "bumps in the road" to get the outcome we wanted.

01 October 2018  


Phillip Morgan was great to deal with. I have already recommended him to others.

24 September 2018  



13 September 2018  


Philip Morgan is the most professional and responsive person I have ever dealt with. He always has so much time for you and will always respond to your queries at all hours of the day.

26 August 2018  


16 August 2018  


19 July 2018  


Phillip has been a great help for us on several occasions. He always replies to enquiries rapidly with detailed and in depth information. Would definitely recommend Phillip to help you find a good deal on your home loan.

18 July 2018  


11 July 2018  


30 March 2018  


29 March 2018  


Phillip was exceptional helpful and went over beyond to ensure my loan process went smoothly and on time.

14 December 2017  


The big four are the preferred choice by mortgage brokers and clients , do not forget the smaller lenders as they are able to tailor needs to suit the clients also and are willing to negotiate rates

18 November 2017  


Phil is fantastic and so helpful with each time we have needed his help. We have already recommended him to friends

11 November 2017  


08 November 2017  


Phil was absolutely amazing. He looked after us every step of the way and was readily available to answer our questions and ease our anxieties.
I cannot reccomend phil higher!
Thank you so much

25 September 2017  


26 August 2017  


I have been in contact with Phillip over the last 15 years & should have made the move away from the NAB a lot earlier. Phillip has always been professional & ready to assist.

22 August 2017  


04 August 2017  


Buying our first home seemed like such a daunting task but after working with Philip Morgan it was a breeze! He found us the best deal for our situation, went above and beyond to help us understand the process and ways we can reduce our interest rate further and pay off our mortgage quicker. I have already recommended him to several friends who are also in the process of looking for their first homes. So thankful to him!

21 July 2017  


Just makes easy no fuss.

17 May 2017  


28 April 2017  


Always received prompt and professional service from Phillip, would highly recommend Smartline

20 April 2017  


Sometimes dealing with all this important stuff can be boring and exhausting but Phil always makes it a smooth, easy to understand transaction.

26 March 2017  


Phil exceeded our expectations by a long way and did everything he could to deliver the desired home loan that we wanted. I would highly recommend him to anyone.

26 February 2017  


Phillip was thoroughly professional and kept in constant contact wit me through every step of the process. Each step was clearly stated and he got my family not only a great home, but a total banking package. Absolutely recommend Phillip to anyone in the loan market!

01 January 2017  


Phillip not only helped us through the entire process, but he was also readily accessible whenever we had a question, thought or worry. Amazing service.

16 November 2016  


Having Dealt with Phillip Morgan for many years, I can highly recommend him to anyone needing help with their mortgage. Smartline service is friendly, efficient and they offer the best advice.

12 September 2016  


I can\'t say enough about how professional Phillip was thoroughout the whole experience. He was always very accommodating and patient. His knowledge, and wealth of experience in the industry really shows.

07 September 2016  


Phillip is extremely knowledgeable, approachable and friendly. He promptly responds to emails/phone calls. He goes above and beyond to provide an excellent service. I highly recommend him as a home loan advisor

04 September 2016  


Very helpful and friendly person.
Phil made us feel comfortable and answered all our questions well.

18 June 2016  


Phil provided me a great end to end experience and would hesitate to use his services again. 10/10

31 May 2016  


Phil was vey helpful from the start to the end. He is very easy to talk to, gives you lots of information and easy to contact at anytime.
I highly recommend Phillip Morgan.

09 April 2016  


Great outcome and first class service, highly recommended

16 March 2016  


Nothing is a hassle for Phillip.i have dealt with him before and would never use anyone efficient service.always the best outcome.

28 February 2016  


We are first homebuyers and everything was very overwhelming! Thankfully Phillip was recommended to us by a family member. Phillip has gone above and beyond to support us throughout our journey. He has been by our sides from day 1, promptly answering any questions we had and providing us with expert advise. Without him we would not have been able to build our dream home!

25 February 2016  


Phil was absolutely fantastic. He is very knowledgeable and was more than happy to answer any of my silly first home buyer questions. He was very available for my questions and made the whole process a breeze for me! I will highly be recommending him to anyone I talk to who is looking into buying a home.

08 January 2016  


This is the second time Phillip has assisted us with a home loan. We have nothing but the highest of praise for Phillip. He is the total professional and provides the highest levels of customer service, being both exceptionally efficient and knowledgeable. He removed all of the worries and tasks associated with all aspects of the home loan. I highly recommend Phillip\'s services.

06 November 2015  


Phil went above and beyond for us, he was an amazing support in the biggest step of our life.

10 October 2015  


18 July 2015  


Phillip's service was excellent. at all times I felt informed of the progress of my application.

29 June 2015  


10 April 2015  


Prompt attention and always makes us feel satisfied.

06 April 2015  


Couldn't ask more from phil. He would answer any queries extremely quickly.

29 March 2015  


03 March 2015  


Phillip went over and beyond his duties. He clearly exceeded my expectations of what was required.

04 January 2015  


This was my first time purchasing a house and I had absolutely no idea where to even begin. But with Phils guidence and knowledge he made the process so easy for me and I know I definatly got the best outcome :)

19 November 2014  


It is nice to continously deal with the one person rather than numerous people in a bank. Thanks

23 October 2014  


30 September 2014  


29 September 2014  


22 September 2014  


Phil was a great support during this daunting process. He explaimed everything in detail, was friendly and very approachable. He made the whole process a less stressful experience.

04 August 2014  


30 July 2014  


15 July 2014  


This is the 2nd time we have used phil's services. He is always very efficient in making times to see us and always does what is easiest for us in times and where to meet. Phil is very approachable and explains all the terms in ways to make us understand the products. I would definitely use his services again and highly recommend him to family and friends. Thanks Phil for helping us achieve our dream!

30 May 2014  


Phil has been incredible to deal with on multiple occassions, I would and do highly recommend him to everyone. Always help and extremely easy to deal with, he goes above and beyond every time

21 May 2014  


Buying my first home was a daunting task at first but with the help of Phillip this process has been made so much simpler,easier and efficient. Phillip was a pleasure to deal with and I will certainly be recommending his services to people I know. Great experience!!

19 May 2014  


Phil was absolutely amazing through out the whole process. This was our first house that we were buying and there were many times I emailed him at odd hours with questions and he was always prompt in his responses. I also work interstate a lot and he was very accommodating when it came to catching up outside usual business hours

16 May 2014  


Phil has been amazing through multiple Loan applications now. His professionalism and manner is fantastic along with his attention to detail and ability get things done being exceptional. I have since recommended him to multiple clients who have nothing but good to say of him. He is a great asset. Cheers

16 May 2014  


Phil really went the extra mile for us and stayed in contact and on top of things the whole way through! Great work Phil and thank you for all your hardwork!

07 March 2014  


05 March 2014  


04 December 2013  


The service provided was a great help help for myself and my fiance as we are first home buyers and we would highly recommend Phil to all friends and family and we look forward to working with him in the future.

03 November 2013  


Phillip Morgan from Geelong is a great asset to the smartline business. I have accessed his services again recently to purchase a block of land with a view to build on next year and he has been extremely helpful and very efficient in assisting me.

03 November 2013  


I have been very happy with Phillip's service. He has answered all my questions clearly and was very supportive. All emails/phonecalls were responded to very promptly. I'll happily recommend Phillip Morgan to friends and family. Thanks Phillip! Jarrod Carter

12 October 2013  


Phil was always open, approachable and most importantly honest about what would work best for my financial needs and future. It was fanatastic dealing with someone so efficient and proffessional making the entire process stress free!

02 October 2013  


30 July 2013  


Thanks for all of your assitance Phil in helping us get into our first home. You made sure we understood each step and had all the information we needed. You also made time to answer all our questions no matter how trivial and would put us in the right directions each time. Thank you!

27 July 2013  


23 July 2013  


We are very happy. Phillips knowlage and communication was exceptional and very reassuring.

17 July 2013  


Phillip was always available and was able to facilitae the best possible solution to our home loan requirements. it was a relief to not have to deal with banks direct and have constant guidance through the mortgage process.

05 July 2013  


I don't think we could have managed our recent bank transfer and refinance process without Phillip's support and he has been excellent to deal with from the start, even when we encountered some credit card issues we felt he really 'had our back' and was diligent in sorting out the bank's mistake. Would definately recommend his services.

28 June 2013  



24 March 2013  


Phil has helped us now on a variety of loans and been extremely helpful every time.

04 February 2013  


Phillip was great. I wasn't quite ready when I was told land wouild title as it had blown out by 12 months!! But Phillip worked hard and got it over the line. He always returned phone calls or emails promplty and explained evrything in greta detail. Have already highlt recommened him to friends and family.

05 December 2012  


Phil Morgan was fantastic in assisting us during a very stressful time. He was able to explain our options extremely clearly and none of our questions were too silly for Phil not to answer. I would recommend Phil to any member of my family and friends. Regards,
Joanne Allen

05 November 2012  


Phil was awesome and I wish he was also a financial planner too cos I would definitely be contacting him on a regular basis ?? I actually miss talking to him cos he was so approachable kind considerate and very knowledgable. We had gone to two other people before Phil and I liked him as soon as he started talking. Phil didn't treat us like a number and actually cared I like that :) no question was a silly question and even answered his phone at 9pm when I was having a panic attack with the bidding war. Ok now I'm rambling but Phil if u get to read this, your a champion and I've even told random strangers on the train about you, thanks a million talk in a year as we plan to buy our second a little sooner than what we first thought cheers bec

25 October 2012  


23 October 2012  


I was buying my first home and Phil was recommended to my by a close friend. He made what could have been a very stressful process extremely easy. He was always available to answer any questions I had and also assisted in finding a conveyancer to help with my settlement. I would have no hesitation in recommending Phil to family or friends and will definately be speaking to him if I purchase another property in the future or want to review my current mortgage.

25 September 2012  


We found Phillip to be a great support throughout the process of buying our first home which was at times an overwhelming process. Having a wealth of knowledge and the ability to make even the most complex of processes simple was one of his strengths, as well as dealing with banks/solicitors/real estate agents I believe helped complete things in the short time available. We would highly recommend Phillip as an advisor, especially for those not knowing the "system".

09 September 2012  


Very knowledgable, friendly and dedicated.

19 August 2012  


06 August 2012  


Phillip has made our dreams come true. He was extremely helpful and went above and beyond to help us on our journey. I will be recommending him to anyone who is in need of a mortgage broker, and we will definitely be using his services in the future to come. It has been a pleasure and a privilege to have Phillip on our side at this time of our life.

01 August 2012  


Phillip Morgan was very excellent in processing our loan,we were up for a big penalty on the settlement of our land purchase,but Phil was able to get our loan approve in a very short time.Now,we will be asking him to assist our daughter home loan restructuring.Kudos to Phil for a job well done.Will surely recommend him to our friends.

31 July 2012  


25 July 2012  


Fiona and I felt very much at ease with Phillip, from the initial consultation right through to the successful conclusion, our new home loan. Phillip always kept us abreast of every new development, and his knowledge of the process and the industry in general was excellent. We would have no hesitation in recommending Phillip to future clients.

23 July 2012  


Ireally gave up hope of getting a home loan due to age, assets etc. even though a high income until I met Phil Morgan. He would have to be the most honest, knowledgeable, genuine person I have ever met. Phil worked tirelessly, took all my phone calls, returned calls, and he got me a loan. He always considered my best interests, taught me a lot of valuble lessons and was even a bit tough on teaching me how to better manage my finances, and he will follow up in the future. A great person and I wont forget him and would highly recommend him to anyone, Jill Davis

20 July 2012  


Phillip Morgan exceeded our expectations. He attended to all aspects of our loan in a professional and courteous manner and I would not hesitate to recommend Phillip to anyone.

20 July 2012  


This was the first time that my partner and I had bought property, so building land and then building separately was a daunting idea. However Phillip made things so simple for us, he explained everything that we needed to know and do. I honestly don't think we would have been so successful if it wasn't for Phillip. He was there for us no matter what the day or time, and also came back to us with an answer. I would like to give a big thank you to Phillip from all my family.

25 June 2012  


Our adviser Phillip Morgan was most helpful in gaining finance to complete our home renovations, he made himself available at anytime to discuss any issues that we had. I would have no hesitation in refering Phillip to family or friends for advice.

06 June 2012  


Phillip basically made our dream home become a reality. We were at an extremly busy time of our lives and Phillip made everything easy and stress free. We can't thank him enough.

05 June 2012  


I could not recommend Phillip more highly, from start to finish he met our every need and more. 10/10 in all areas of service.

05 May 2012  


This is the second time I've used Phillip Morgan.Nothing is a bother to him.The service I received is fast friendly and makes my dealings easy.I will never use anyone else and have and will recommend Phillip to everyone.

01 May 2012  


we liekd how easy and flexible phillip was to contact and how willing he was to be part of the whole process of our construction loan, no issue too big or small for phillip he was willing to help at anytime.

27 February 2012  


Phillip Morgan has provided exceptional customer service. Any question we have, whether via phone or email, he has responded to very promptly. He has expert advice that we trust.

26 February 2012  


We will definitely be calling Phillip when we need to do the next home loan. So easy to work with!

17 February 2012  


Phillip Morgan goes above and beyond to deliver exceptional and professional service and advice. I never hesitate when recommending him to family and friends as I know they will be well looked after.

20 January 2012  


17 January 2012  


12 January 2012  


Phil Morgan goes beyond standard expectations , insuring he keeps us up to date at all times , phil on numerous occasions has ran around for us and made late appointments to suit our needs . We have used phil for the past 4 years and will continue to do so

12 January 2012  


Until i had heard about Phil and what he does,i would do all this work myself and still not be sure i had gone with the right lender.Phil has given me great guidance now over 4 mortgage contracts.I cant recommend Phil strongly enough,i encourage any of my clients from my business dealings to take a look a t what he can do for them.Keep up the good work Phil.

12 December 2011  


had some problems with the ANZ , but phill sorted this out quick. good to deal with , i would have not been able to work with the bank by myself

15 November 2011  


Phillip, has a great knowledge of the service he delivers. We trusted him greatly. He did an excellent job. I would definately refer him to friends and family. Thanks Phil

13 October 2011  


12 October 2011  


11 October 2011  


Very happy with the service that Phillip Morgan provided especially after the terrible experiences with our existing Bank. Phillip was able to tailor a loan that met all our requirements and secure the loan for our new home. Will definitely recommend to any of my friends looking for any financial service/advise.

10 October 2011  


07 October 2011  


Phil,has been fantastic and sorted out all our loan requirements and more! He suggested we revisit our bank to have our interest rates looked at and we were successful in having the bank lower all our loans variable rates! Great work Phil! Steve

16 September 2011  


11 September 2011  


The fact that I live in Geelong and work in Melbourne, makes it extremely difficult for me to organise appointments regarding my loan forms, etc. Phillip goes the extra mile to ensure documents are dropped to me so I can go through them when I get home nad he comes out himself to pick them up. That's damn good service!

17 August 2011  


Phil exceeded our expectations. He kept us informed throughout the process, and as we had a bad experience with a previous lender dealing with exit fees, Phil understood our concerns and fully explained everything including any fees and charges. He even went so far as to draft a letter for us to our previous lender complaining about how we had been treated. I have already spoken to my friends and work colleauges about the exceptional service we received

12 August 2011  


Phil was excellent. It was like old fashioned service you rarely receive any more. Sometimes he spoke a bit fast though!

24 July 2011  


Very helpfull friendly

20 July 2011  


Phillip could not have been any better

13 July 2011  


09 July 2011  


20 June 2011  


The service provided by Smartline was first class. Phillip Morgan was extremely professional, helpfull and provided excellent service. He provided us with various options for our loan to purchase an investment unit. His opinion was professional and valued. In respones to recommending Smartline to other, I have already provided Phil's details to family members who are now dealing with hm to secure funding for a new home. What else can I say, first class service with a smile! Great work Smartline!

13 June 2011  


I would have to say that the service I received was excellent. Phillip always answered all of my questions via emails and telephone calls with quick prompt responses and with answers that I was able to understand. For me he was informative and the guidance that I required was great, I was into this not really know anything at all and felt very relaxed once the processed started and he was there to answer everything and anything throughout the whole processes. Excellent service and I would recommend him to everyone.

30 May 2011  


24 May 2011  


The service Smartline provides is first class.

04 May 2011  


good communication. try to make contact with the client atleast every two years to review the loan details. Could have provided all options, and their results, without being asked.

02 April 2011  


26 March 2011  


Give Phillip Morgan a pay rise, he is amazing. He help me bring my dream of home ownership to life. I'm so glad I was refered to him, very very happy.

22 March 2011  


Given that I live in Yeppoon Qld Phillip provided excellent service via phone, email, mail and in person which assisted in getting the documentation to me on a timely basis.

08 February 2011  


Phil was always available and very organised, knowing exactly what information he need to get from me and what the next step was. i left every meeting knowing i was a step closer to getting my home loan.

07 February 2011  


Phillip Morgan is fantastic. He listens, is extremely helpful, very knowledgeable and overall brilliant at what he does. We have already recommended our friends and coworkers contact Phil.

03 December 2010  


05 November 2010  


He did a top job and was very patient when I didn't understand something and I needed further clarification

15 September 2010  


The service I received was first class. Every small detail was attended to and each stage clearly explained. Phil went above and beyond to ensure the process was stress free.

10 September 2010  


19 August 2010  


Great service,very quick responses.

14 August 2010  


15 June 2010  


26 May 2010  


25 May 2010  


16 April 2010  


Phil is always available and has now helped us with two loans. We couldn't be happier!

30 March 2010  


Phillips knowledge and communication was outstanding.

10 March 2010  


couldnt fault service my loan was a complicated one and phillip handled it brillantly

10 December 2009  


Phillip Morgan has been an excellent help. This being my first time purchasing a home he has been helpful even with the stupidest of questions

03 December 2009  


19 November 2009  

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