Mortgage Choice logo
Ray Khalil


Average client rating
4.9/5 From 109 Reviews

Sort by

Ray was able to communicate with us in a clear and expertly manner. He is very professional and was very reassuring is a stressful situation. Ray was such a great broker to deal with and I would recommend him to all my family and friends. Thanks Ray.

20 July 2022  


Ray was knowledgeable and friendly. He gave the right advice and found the best loan for us. Highly recommend.

09 June 2022  


Ray is a fantastic Morgage broker. He has always looked after us and would highly recommend him.

28 March 2022  


16 January 2022  


As a veteran of the brokering industry, Ray was extremely knowledgeable and helpful. He was able to communicate at my level so that I could understand the whole process easily and he found an excellent product that was perfect for my situation. I would highly recommend his service to anyone seeking a high quality loan optimized for their financial circumstances.

20 December 2021  


Diligent and project.

01 September 2021  


Ray our adviser went above and beyond what was asked. We honestly thought that we would never own our own home. Ray made it happen it wasn’t easy for him but he did it. Great rate and very affordable

08 December 2020  


I could not recommend Raymond Khalil enough. I had a difficult experience dealing with the bank I was applying with and Ray was amazing in resolving our issues with the utmost excellence and professionalism.

26 July 2020  


Ray went above and beyound for us. He made sure that everything went thru as quick as possible even with so many obstacles with the slowness of the banks during covid. Ray is the only broker our family trusts.Ray's like a family member to us. Thx Ray

29 June 2020  


Ray is the best adviser we have ever come across. The guy goes above and beyond and that's why we love him and recommend him to everyone.

10 March 2020  


Ray was so helpful. His advice was invaluable and he saved us money by refinancing our home loan. We will recommend him to all our family and friends. Thanks Ray - you are a legend!

02 March 2020  


Ray provided exceptional support and guidance through the entire process. The information that was provided gave me confidence that my financial goals were being met and the transparency in the process created an environment of trust. Ray made sure that I completely understood the implications of my decisions and was adept at explaining them in plain language. I appreciated the fact that his information was up to date and that he encouraged collaboration with other experts, such as my accountant, to provide further clarity before committing to decisions. The process was completed smoothly and the result was even better than anticipated. I would highly recommend Ray to friends and family and I look forward to working with him in the future.

08 October 2019  


Ray was amazing! Definetly the best mortgage broker we have ever had, he was upfront with everything and explained the process required to purchase our first home. I am more then happy to refer him to all my work colleagues and friends!

09 September 2019  


29 June 2019  


Best mortgage broker in the world. Top bloke and top service.

24 May 2019  


14 March 2019  


Rays service was excellent! He not only took my calls but those of my wife as well as my buyers agent. He was always professional and friendly. I highly recommend Ray.

13 March 2019  


Ray was really helpful to us throughout a tricky process.
His attention to detail and overall care were exceptional.
Thank you once again Ray for your effort!

28 December 2018  


Great overall experience. Ray was attentive and proactive in getting the best outcome for us. His service was fantastic, above and beyond in many instances. Thoroughly recommend Ray and will use him again.

21 September 2018  


24 July 2018  


During those stressful weeks, Ray reassured us that everything was being taken care of.

25 June 2018  


10 June 2018  


16 May 2018  


24 January 2018  


21 October 2017  


15 October 2017  


14 August 2017  


Ray organised everything, the loan process was a streamlined affair. Ray also succeeded to arrange more funding at a even better rate than I was currently paying.

06 May 2017  


Our situation was a complex one but Ray handled it well, has the right information, is easy to work with and made the whole loan process run smoothly. Thank you Ray, we are very happy.

24 April 2017  


Ray always goes the extra mile to achieve the loan outcome that we need.

13 February 2017  


Ray went above and beyond. Took all the stress out of the equation. Made buying our first home an enjoyable experience

07 January 2017  


Ray was fantastic. I would definatley recommend his services.

10 December 2016  


Ray listened to what we needed and then offered the best option for our mortgage. It was so reassuring to know we could leave it to Ray to sort out and he did, efficiently and without the fuss. Now we can move forward with our future plans knowing we are better off in the short and long term. I would recommend Ray to anybody.

13 November 2016  


We loved that Ray was flexible with meeting times. He visited us at our home after hours to fit in with our work commitments and busy lifestyle. This was truly appreciated, especially as we both work and have two young children to care for. Ray also hand delivered our documents which we thought added that personal touch to the service.

20 August 2016  


Ray provided us with excellent advice tailored specifically to our situation. Ray was very efficient in responding to all my queries immediately and kept me updated throughout the whole journey. The whole experience felt very smooth and stress free as we felt completely confident In Ray. He was brilliant!

23 March 2016  


Ray is fantastic at putting stressed out minds to rest knowing that everything will happen as he says it will happen. Ray was contactable day and night and even on weekends, which meant that we got the loan and the house because answers were flowing whenever we needed to call. Ray worked tirelessly against very challenging and particular circumstances in our case, yet he pulled together a loan with all the amounts and features that we asked for in the right time frame. We can't recommend Ray highly enough to anyone looking for a home loan. We tried going directly to two main banks at the same time as Ray, but Ray was much faster, flexible and far more contactable than any bank could hope to be. Ray really is the best person to deal with hands down.

15 March 2016  


Ray has been amazing to deal with yet again this time for an investment property purchase. He is always available and responds to calls, emails texts in a timely manner. He went out of his way when assisting us at the 11th hour to sign our finance documents when a JP was required. We've worked with Ray for many years now and have recommended him to many of our friends who have signed up with Ray and then also recommended him. A pleasure to deal with!!!

12 March 2016  


Ray achieved a excellent interest rate which surprise the banks staff when I had to sign some paper work. I did not have to deal with the banks convoluted forms. He also dealt with a few legal issues working in with my solicitor, He negotiated all the perils of real estate acquisition and answered all my question without having to consult my very exspensive legal team.

11 February 2016  


Ray is a great broker who we have trusted for years even without hair he is a beautiful man.

10 February 2016  


04 January 2016  


Ray was fantastic, the thing I liked most is that he was always contactable (even when on leave) and answered any question that I asked. I'm the type of person who wants all the detail, Ray was happy to answer anything and extremely patient.
We got a fantastic deal and are saving money, thanks again Ray your service was very much appreciated!

11 December 2015  


Will recommend to anyone!

09 December 2015  


Ray went out of his way to help meet up with us and complete the transaction

19 November 2015  


11 November 2015  


Our situation was not an easy one and to add to that we live overseas making it that much harder to do things when living in another country. Ray was not phased in the least by any of this. He provided awesome service and made the process easy to follow. He brought hope into our situation and went the extra mile every time. He made what seemed impossible to us, very possible. Thank you Ray, what you did for us has really made a difference in our family's lives. You are a real God send. I will be recommending you to all my family and friends.

02 November 2015  


We have used Ray's services for many years and we wouldnt go to anyone else. Ray is a kind and loving family man with a very helpful and considerate nature. When its time for our kids to purchase a property we will be sending them to Ray. Ray should be commended for the wonderful service he provides his clients and we would not hesitate in recommending him to anyone. Thankyou so much Ray its rare to find such a genuine person these days.

25 September 2015  


Many thanks to Ray, he is a credit to your organisation and we would not be sitting in this house now if not for his high level of expertise. Thanks Ray
and the Smartline Team

29 August 2015  


I have had previous experiences with brokers but Ray Khalil is one of the best and I would highly recommended him to anyone and I already have he was constantly in contact with me and still is, and gives us bank updates all the time and really looked after us well

01 August 2015  


Ray provided service above and beyond what I expected from a broker. He was always available to answer our queries, guided us through the process and got us a great deal with our loans. We will definitely be using his services again.

29 June 2015  


Ray went out of his way to be helpful, I could not of asked more of him.

14 June 2015  


Ray gave me a a personal service and took the time to walk me through the process more than once as I was a first hoke buyer. Answered my phone calls when it wasn't convenient for him. Helped me outside normal business hours. I l'm happy to recommend his services along with your organisation to anyone in the market to buy a home.

29 March 2015  


Ray gave me a a personal service and took the time to walk me through the process more than once as I was a first hoke buyer. Answered my phone calls when it wasn't convenient for him. Helped me outside normal business hours. I l'm happy to recommend his services along with your organisation to anyone in the market to buy a home.

28 March 2015  


Very impressed with the service Ray provided and for following things up after the ANZ screwed up! Very much appreciated Raymondo!!!!

28 December 2014  


Very informed. Great service!

16 October 2014  


Ray was excellent. Would highly recommend to others

21 August 2014  


Ray is the best. Wouldn't have had a chance of buying our dream home without him. And he saved us thousands.

09 August 2014  


I have used Ray Khalil for our last two refinance operations. He has been fantastic. Always positive and willing to help and negotiate the best rate on our behalf. Not only that but he goes the extra mile with regard to providing excellent customer service. Kind regards Adam West

19 June 2014  


Ray assisted me in getting a loan when i had no credit history and a short time frame. There was no fuss and i was kept in constant contact with him and knew what the situation was at all times. I'd recommend him!

17 May 2014  


Ray was absolutely fantastic in taking us through each step of the loan process, making what can be a daunting process very streamlined and simple. He has a wealth of knowledge relating to the latest market trends in all areas of real estate. Ray truly went above and beyond our expectations, even attending the auction for the house we wanted to purchase and attending our appointment at the bank to complete the necessary paperwork. I would definitely recommend Ray to friends and family, in fact, I already have!

16 May 2014  


Ray is an old friend, but he still provided great service. This was our first house purchase, so it was great to have someone patiently guide us through the process of buying a hosue and borrowing step by step.

07 April 2014  


Ray was fantastic and I have recommended him to a friend who is looking at purchasing a property in the near future.

20 January 2014  


Ray was as usual a pure gentleman, he work hard to help us. We could not be happier with Ray. In fact my wife and I have discussed it an if we have another child (boy or girl) we will call them RAY.... Thanks guys xx

07 December 2013  


Ray is an outstanding member and asset to your business. He always keep us well informed with new offers from various lenders and help us decide whom fitted us best. We were kept well informed from start to finish. Not only did we refinance, but we also purchase a new property and had simultaneous settlements. We were a little stressed but Ray was as cool as a cuccumber. All went to plan without any issues what so ever. This is now the second time we have used Ray and have nothing but praise for him and his services offered.
Tony & Sasha

27 November 2013  


22 October 2013  


Ray provided a far better service than I could possibly have expected. Easy to contact, easy to communicate with, understanding and genuinely caring. Made what could have been a fairly stressful process into an easy 'walk in the park'.

03 October 2013  


Ray was great, kept me informed, very personable, he's worth more money! Kind regards, Chris Dhiacou PS ANZ were hopeless

27 September 2013  


We were very happy with Ray, he worked very hard for our needs. Thank you

24 July 2013  


10 July 2013  


Ray provided excellent service beyond what I believe was required of his job. As a first time home buyer it is easy to become overwhelmed, and throughout this time Ray was excellent at providing us with any information we required. I contacted Ray after he was highly recommended from a colleague, and from the start he was always available when required. As such I would also pass on the recommendation. Ray is my first point of contact for future home/investment loans.

17 June 2013  


We weren't sure towards the end if we were going to meet our settlement date, but Ray chased everyone and pulled it all together at the last minute and it all happened as planned. Thanks.

17 June 2013  


Ray made the process as stress-free as possible and came up with the best possible loan package for me. He always had a 'can do' attitude which put me at ease throughout the process.

15 June 2013  


Ray did an amazing job in getting us the loan we needed. His work ethic is unstoppable. Thanks Ray for your help! Robyn Young
Bonville NSW

06 June 2013  


03 June 2013  


16 May 2013  


Ray is a very likeable person, easy going and knowledgible. He was able to be reached any time and put in 100% effort and time when contacting the bank and keeping us up to date on progress. We would recommend him to anyone looking to borrow for a loan.

08 November 2012  


Ray Khalil is amazing, he made every process as hassle free as possible & was always available to all our our questions. And to top it off always has a smile :)

15 October 2012  


15 October 2012  


Ray is THE MAN! We changed our strategy a couple of times and Ray always had a solution (sometimes several feasible options). We always felt we had full control and Ray worked with us to meet our needs. We couldn't recommend Ray highly enough.

03 October 2012  


06 September 2012  


I would not hesitate to recommend Ray Khalil as a mortgage advisor. He went above and beyond his role and was always contactable if I ever had any questions regarding our loan. He was at our home til very late at night on 2 occasions to ensure that we were given adequate and up to date information regarding home loan products. Great job Ray.

01 September 2012  


14 July 2012  


We would like to thank Ray for his fantastic service. Ray was always on standby for any questions me might have needed to ask and be answered. Nothing was to hard for Ray. We would thoroughly recommend Ray to our family and friends. Not only did Ray become our financial adviser but a great friend as well. We can't thank Ray enough for all his help.

03 June 2012  


Ray was a great adviser, he was very knowledgable and helped get me out of a couple of sticky situations! Great work Ray.

13 February 2012  


Ray is the BEST!!!! I would like to adopt him if possible!!! Thanks Ray again.

16 January 2012  


07 January 2012  


2nd time using mrtgage adviser. My 1st attempt some years ago using another companpy was a total diaster, the person did not know the products etc. I did not go ahead with this other company & broker. This 2nd time around was great. I had stupidly exchanged contracts without applying for a loan 1st, then tried myself to secure a loan. I decided that maybe I just might need some help that's when I contacted Ray at Smartline. Ray was very quick to meet me at my home in Wangi Wangi. He was very quick & efficient, appeared to know what he was doing, which made me feel confident and more importantly delivered. I got the loan I needed, in the time frame, namely exchanged on 22/11/11 settled on 22/12/11. That's right a loan in approx. 3 weeks. I can't tell you how happy I am with with Ray & Smartline.

06 January 2012  


This man is great. He is a asset to the Smartline Brand.

02 January 2012  


Ray showed excellence customer focus and was professional in his work . Ray also attended the bank with me to finalise the loan and any outstanding issues. May I also say that I did consult Ray recently on another investment property that I was looking at and he provided excellent advise which identified pitfalls with the property which I am thankfull of. This indicated to me that he was not just interested in securring another loan but rather my interest as well.

20 September 2011  


Ray is so easy to talk to, has a fantastic knowledge of all products and work really hard to get us over the line to acheive the construction of our dream home.

09 August 2011  


03 January 2011  


03 January 2011  


20 October 2010  


29 September 2010  


29 September 2010  


Ray has been a great help and keep us in the loop the whole time. I also love the emails he send out with the analysis of the housing market/trends

23 September 2010  


10 September 2010  


16 August 2010  


Ray was extremely helpful, and most patient with my timetable for being able to proceed with everything. Excellent service.

16 July 2010  


I don't know if this will add any value but I was just very pleased with how Ray chased and chased everyone involved, including solicitors, to get my loan across the line. If it wasn't for the banks your job would be a whole lot easier as they must have organised their work proceedures after watching a Monty Python skit or an episode from the 'Yes Minister'series.

25 May 2010  


More exposure with advertising.

25 March 2010  


From beginning to end Ray assisted with absolutely everything be it on the weekend or 9 oclock at night he was there.

10 February 2010  


Ray was a key and extremely valuable part of our home buying process. He helped up throughout the entire thing and was always on hand to answer any questions. I would recommend Ray to anyone. Thankyou.

07 January 2010  


Very helpful, very knowledgable, friendly

30 January 2009  


Often the bank was difficult and some of the transfer arrangements, re-paper work was messy. The change over was time consuming and could have been smoother, the banks mainly.

16 November 2008  


It was easy to compare other available loans on the market.

16 November 2008  


Personalised service and problems sorted out quickly.

16 November 2008  


20 March 2008  


Ray Khalil was our consultant and I don't think there was anyting else that Ray could have done as he exceeded all of our expectations of a consultant. Ray was in touch with us every step of the way and every query that we had Ray resolved for us. Ray was

16 January 2008  


We appreciated the extra effort that Ray went to ensure that we had the best loan to suit our circumstances. We could not think of anything to add value to his services.

16 July 2007  

Contact us

Contact your existing broker?

contact-us-broker-1Smoother experience as they have all your information.

contact-us-broker-2Better understanding of your financials to provide tailored advice.

contact-us-broker-3Faster response compared to being matched with a new broker.

Contact existing broker