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Richard de Mello


Average client rating
5/5 From 206 Reviews

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Richard was amazing to deal with, from the first phone call to the last he was nothing but professional, helpful and honest. He cares about his customers and only wants the best for them, even after our final approval and we had more questions he would be happy to help us and give us advice. Our previous broker messed us around but when Richard took over he ensured he had all the right information from us so our finance went as smoothly as it could which it did. I highly recommend Richard if you are looking for an amazing broker, we will be definitely using him again in the future. Thankyou so much Richard

11 June 2024  


Richard, while being extremely knowledgeable and experienced in his field, also looks after his clients and treats them with utmost respect. He's approachable, honest and gives you the best possible solutions to any issues that may arise, ensuring a smooth procedure. I highly recommend him.

29 May 2024  


Richard was fantastic to deal with - responsive, knowledgeable and made sure everything was seamless and our mortgage was approved without any need for back and forth with the bank. The real estate agent we were dealing with made things quite stressful and Richard went above and beyond to ensure not only he provided an excellent service but that everyone involved in the transaction were on their game. I would absolutely recommend Richard to anyone looking for a mortgage broker - if I could give more than 5 stars I would

29 May 2024  


You cannot be in better capable hands Richard goes above and beyond to help you - we just bought our first home and are so happy with the help and advice we received from him Highly recommend

28 May 2024  


The best person I ever deal with. I have been trusted him to help me with my mortgage finance for mote than 10 years. I definitely recommend him.

14 May 2024  


I first started working with Rich close to 8 years ago when I purchased my first property. I have continued to utilise his services since then on a number of occasions from purchasing another property to refinancing.
The parts I like the most about Rich's approach are
His honesty. He provides and honest assessment to help me get the best loans to meet my needs.
His knowledge. He has 18 years of experience in the industry, which gives me comfort in knowing I'm working with a broker that knows what they are doing.
Rich the person. He is a genuinely nice guy that cares about the people he works with.
If you are looking for a broker, want an honest assessment of your situation and some of the best ways to progress, or want the best deals available on your home loan, I highly recommend picking up the phone and talking to Rich.

22 April 2024  


Richard always provides us great and timely service to secure the best appropriate loan to finance the property. Thanks Richard and I understand that my loan is bit complex but you have provided great services to make it happen,

14 April 2024  


Awesome job by Richard made the finance process straight forward and simple to understand. Referrals to agents to sell and buy in this hot real-estate market gave us confidence that we selected the right team. Thanks Richard.

29 January 2024  


Thankyou Richard de Mello
For all your support on our Buying and Selling journey. For our Sea change. We found all the New Technology for the banks mind blowing, and your support was very important to us and we appreciated all the parties working together for a smooth outcome. We have already recommend you .And should we need anymore loans, we'll be in touch.
Thankyou once again
Paula and Shaun Davis

05 January 2024  


Still hasnt sunk in Im a home owner I got in contact with Richard for some advice long before I even had any savings. He provided me with all the information and guidance I needed to get me onto the property ladder as a first home buyer - with absolutely no pressure. Went above and beyond for me and whenever I was worrying made sure there was nothing to worry about. Cant fault the service, and I wouldnt look anywhere else next time.

06 December 2023  


Richard is experienced, thorough and accommodating, the way he handled and advised us with the brokerage of our first home is amazing. He is full of clarity and professional with his job. Always available to address the concerns and problems. Hade home buying as easy as ABC. Richard De Mello is highly recommended to prospective home buyers. We highly appreciate your services, Chike and Nkechi.

29 November 2023  


Richard is such an expert not only in finding the right lenders for you, but above all, sort out all that is needed in terms of documentation, etc, so you don't panic when time pressed with the market and lose opportunities because of application bounces.
Thanks Richard for making our dream come true not only once, but twice now.
Highly appreciate your service with such attention to details, especially when sorting out all documentation. Regards

28 November 2023  


I cant thank Richard De Mello enough for his help and guidance in purchasing my home. Purchasing a home post-divorce as a single mother has its challenges and Richard was dedicated to making this dream a realistic reality. He is a true professional who will give you sound advice and genuinely cares. Communication was excellent and the process ran smoothly thanks to Richard communicating with me throughout the process, there was no time during the course of our dealings where I didn't know what stage we were at.
I found Richard to always be patient and polite in answering my many questions
I highly recommend Richard to prospective home buyers. Thanks again. Naomi

16 October 2023  


Richard is amazing. I was knocked back the first house I tried to buy. Yet he still stuck by me. Told me what I needed to do to fix my credit rating. Always was happy to answer any of my questions through the whole journey. In the end we got there and I bought my first house. And I am so happy. I would recommend Richard to everyone. He knows what he is doing. Very professional, very patient, friendly easy to talk to... Thank you Richard... -

03 August 2023  


Richard is experienced, thorough and accommodating, the way he handled and advised us with the brokerage of our first home is amazing. He is full of clarity and professional with his job. Always available to address the concerns and problems. Hade home buying as easy as ABC. Richard De Mello is highly recommended to prospective home buyers. We highly appreciate your services, Chike and Nkechi.

02 August 2023  


Richard was wonderful and extremely helpful throughout our journey. Very polite and professional and we couldnt be happier with how everything worked out in the end. He is a very dedicated person and always responded to our questions regardless of time and he is easy to communicate with. I highly recommend others to seek Richard for his help.

21 June 2023  


Richard De Mello is the best broker my wife and I have ever worked with he comes on the journey with you and helps you along the way by offering the best advice and support needed to make the right decision. If you are looking for a professional and someone that genuinely cares, then Richard is your broker.

15 May 2023  


Professional, attentive and really works for your needs.

11 February 2023  


Richard always goes the extra mile and exceeds all expectations.

24 October 2022  


Richard from the start was very professional. These days it’s hard to deal with people from any trade as most really don’t care about the consumer but I found with Richard that he always put that first. Didn’t just text or send emails but always rang to talk it out which was very comforting. Not many people these days go beyond to help and make things easier but Richard definitely did that. I will 100% be recommending Richard to anyone I know that’s looking for a broker.

15 September 2022  


This is my second home loan with Richard. His quality of service was fantastic on both occasions.
After first discussion on our expectation, Richard provided us with few products in the market which satisfy what we were looking for. He not only provided us with comparison of products, but he also gave us an insight into the pros and cons of those products.
In addition, Richard was never inconvenienced by questions that I asked numerously and showed his professionalism throughout my whole experience with him. Most importantly, he has great quality of following up on issues until it had been resolved.
Overall, we are extremely happy with Richard and we will get his service in the future.

09 September 2022  


Richard is amazing. He went above and beyond to help me with my needs. He even came up with a solution to consolidate my loans and save me even more money. My only regret was not coming to him sooner. He was readily available and was eager to help any queries I had during the whole process.

24 August 2022  


After an absolutely terrible experience with another mortgage broker from a different company, my wife and I were extremely hesitant to use a broker when purchasing our first home. Richard was recommended to us through the real estate agent and now that we're all set up in our new home, we can't imagine having gone through the buying process without him.

Richard is full of wisdom and great advice and was always able to point us in the right direction throughout the entire buying process. He was always available for a chat, even after business hours, and went out of his way to make sure we were as stress free as possible. His great sense of humour kept us laughing even when we were knee deep in paperwork. Without a doubt, we will be recommending Richard to our friends and family in the future!

10 May 2022  


Richard was professional and kept me informed through the whole process. He helped me navigate all the hoops that the lenders threw at me to get me across the line and approved in tight timeframe. He was always contactable and sometimes replied to emails or messages when I didn't expect a reply until the next morning. Could not recommend highly enough. Thanks Rich

19 April 2022  


Richard De Mello was my mortgage adviser since 2009. He is a wonderful person to deal with. He helped me for couple of mortgages and few re-finances. He is always up to date and makes regular calls to me to advice better products available for me. Great experience.

24 March 2022  


Richard was always approachable and ready to advise and help

19 March 2022  


Richard was fantastic to deal with, listened to our needs and objectives and found the right solution for us. He was very proactive and we were well informed every step of the way. He certainly made the process easy! Thanks so much Richard

11 February 2022  


Highly recommend smart line broker Richard demello. Made it easy, quick to respond, and got us an awesome deal. Thanks Richard and smartline team!!

17 January 2022  


Really appreciate the time and care Richard put into helping us with the loan process. He made it so easy, was always quick to respond, and got us a fantastic deal, thanks Richard!!!

17 January 2022  


Fantastic experience with Richard
He was on the ball the whole way alone and really went above and beyond.
I have already told people about his service and recommended.
I will use smartline and Richard again.

05 January 2022  


Richard was supportive and went out of his way to help when there were a few issues with paperwork. I would definitely recommend him to anyone needing a broker.

27 November 2021  


Richard was amazing, so skilful, professional and always contactable. He does go out of his way to make things happen. I felt I was in good and trusting hands throughout the process. I would never go through the bank directly, you cant beat the service of a good broker. Richard really restores fate in the service industry we so desperately need.
thank you Richard

09 November 2021  


Richard De Mello was our Smartline adviser, and we were exceptionally happy with how he got us through the process with our Home loan, he was also there when we needed him, regarding preparing the documents for the Home loan, nothing was to much trouble. I recommend Richard at Smartline to my family and friends, and also to my work colleges. Thank you again Richard De Mello.

06 October 2021  


Richard is very helpful and dependable. He gave us a lot of options to choose and explained why he recommended that loan. He was always available when we have questions. I will definitely recommend him to my other friends.

31 August 2021  


Mortgage Adviser - Richard De Mello
Is the best in the game. Richard has been providing us with a premium grade service for years and his advice has saved us thousands. We also have built a great friendship on the way, we also recommend him to family and friends as I’m happy to stand by him as I know he’s amazing what he does. Kind Regards Ben & Jude

31 August 2021  


We have used Richard de Mello many times and would definitely recommend him.

31 August 2021  


09 August 2021  


Professional but yet personal
Absolutely a walk in the park
Richard Demello

17 July 2021  


Richard was amazing! really helped us with all aspects of getting finance for our first home build

09 July 2021  


Couldn't be happier with Richard's service, he was on top of everything and kept us informed all the way.

24 June 2021  


04 June 2021  


Richard went above and beyond when it came to answering my questions. He offered the correct advice and made the process easy. Richard has an excellent knowledge of what needs to be done. Professional at all times.

02 June 2021  


Richard, my advisor, helped navigate through everything step and was thorough, knowledgeable, professional, and I am glad he was the one handling this whole process. I will use his services in the future, and would happily recommend him to anyone!

02 May 2021  


Richard made purchasing our first house much easier. He was very friendly, helpful and great at communicating information. He would periodically update us on progress without us asking. Overall great to work with.

01 May 2021  


Richard was absolutely fantastic. I could not have done it by myself. He was very thorough in every aspect of my application to refinance my home. Thank you Richard.

29 April 2021  


26 April 2021  


17 April 2021  


Richard is a true professional. It is always a pleasure working with him. He always gets back to me in a timely manner and with the best offers on the table. Thanks for all your help mate.

14 March 2021  


Richard made the whole process easy even with the added difficulties of me being FIFO and sometimes on night shift.

07 March 2021  


02 February 2021  


Richard is not only very helpful for the finance process but also he share his wealth of experience in the process of acquiring a home.

18 January 2021  


Richard has been assisting us on our mortgage through the whole process. This is the second mortgage we were doing with Richard. He is knowledgeable, efficient and very prompt on response/communications. I would happily recommend Richard to anyone.

18 January 2021  


We found Richard highly professional, efficient and attentive to our needs. I would definitely use him again in the future and have no hesitation in recommending him to others.

18 January 2021  


We found Richard from Smartline to be very well informed of all products available. The whole process was timeless and easy, We were kept very well informed by Richard at every stage.
Highly recommended

02 January 2021  


Richard de Mello is an expert real estate broker who offers honest advice & never pushes to close on a sale. He is very organized & thorough in processing our bank application resulting in a speedy loan approval. We highly recommend Richard!

26 November 2020  


Richard DeMello was my broker on my first house purchase in 2009 and we used him again in 2015 and have recommended him to anyone we know buying a house. Richard is incredibly attentive, honest, thoughtful and dedicated. Couldn't praise him enough.

20 November 2020  


27 October 2020  


Richard is very professional and friendly. He keep you updated throughout the process and can be reached anytime

24 October 2020  


From my first contact through to settlement, Richard was a pleasure to deal with. Responsive, knowledgeable and eager to help, I would absolutely recommend him. Deena

13 October 2020  


Richard de Mello was amazing throughout the whole process.He was extremely helpful, knowledgeable and competent at his job. Richard went the extra mile to ensure I was happy and understood every aspect of the application. Would 110% recommend!

05 September 2020  


Richard was the logical choice since our first experience with him in 2014 purchasing our first home. His attention to detail and willingness to discuss on our schedule were the ideal qualities we looked for in a broker.

12 August 2020  


Richard listened to my needs and gave us all the options together we chose the best one that suited our needs,

07 August 2020  


Richard was fantastic in guiding us through the mortgage process, kept us well informed of any changes and updates, was generally an all round nice guy.

06 August 2020  


Richard was recommended by my partner as a highly sought after mortgage broker. He presented himself well to all of our communications and he was very knowledgeable in his field of expertisea

08 July 2020  


Richard made the whole process relaxed and was responsive to everything we needed. It is like chatting to a friend about my finances. I love that he fills out the forms so we just have to sign! Will definitely call him for options next time.

17 June 2020  


Richard went above and beyond to help us find the best home loan for our needs and negotiated the best rate. He always kept us informed along every step of the way, and made the whole process so much easier to understand.

18 April 2020  


I recently dealt with Richard De Mello who was recommended to me by my sister! I couldn't fault anything Richard had to say. He provided me all options for me to choose from! 100% best communication and ensured I was confident and clear on all info!

07 April 2020  


We are really happy working with Richard. He is an excellent adviser and I will definitely recommend him to my friends.

07 April 2020  


Richard was truely invaluable. He was recommended to me by a colleague and I have recommended him to several others. Terrific service.

16 March 2020  


Richard our broker for a land purchase and then a house build loan has been a legend throughout the process. He has always given us great advice, been available when we needed him and completed everything in a timely manner.

09 March 2020  


W attempted to organise finance with our bank who we have been with for over 30 years we had a terrible experience. Richard was professional, precise secured the loan we wanted and guided us throughout the whole process he was fantastic

02 March 2020  


We used Richard Demello for out recent home purchase. He went above and beyond and displayed good product knowledge and professionalism,and made the process stress free.
I would stongly recommend Richard.

20 February 2020  


Richard always presented himself in a professional friendly manner, extremely helpful and quick to respond to any queries regarding the process of the loan. Will not hesitate to recommend him to anyone seeking financial advise.

24 December 2019  


RichCan't say enough words to describe how great Richard is for us. He has gone above and beyond his duties to guide us through everything we've been through so far. Having him as our advisor has been one of the best things that has happenned throughout our build process. We are grateful for his services and guidance. I will give him 15 out of 10 stars if I could.

18 December 2019  


Richard was there every step of the day.
Helped me with everything.
Highly recommend him.

13 November 2019  


Richard was fantastic could not give enough praise and was also ready to help. Never had any huge wait times for responses even out of work so really appreciate the extra effort.

05 November 2019  


Richard assessed my requirements, provided options and made the whole process simple. Richard was always a phone call or email away and I will be seeking his services for my next loan in the near future.

14 September 2019  


Richard was excellent throughout the whole process, he kept us informed and gave good honest feedback

17 August 2019  


That was an absolute please to work with Richard. I will highly recommend him to all friends of mine.

15 July 2019  


15 July 2019  


Richard de Mello provided a great service. Happy we got a good rate on our mortgage

28 May 2019  


Richard was extremely helpful, very contactable, and so friendly. He made the experience understandable and a lot less stressful. That’s why we chose him again even though we are interstate, and we have and will continue to recommend him to friends and family.

21 February 2019  


Working with Richard was easy and he understood what we wanted and accordingly supported us and gave us directions, specially we being first home buyers not having much of an idea of things, Richard was always there to help and guide. I guess this is what we were looking for And Richard Demello went over and beyond to be by our side and guide us to buy our first home. We have now moved and happy in our home. Thanks to Richard.

09 February 2019  


Richard was brilliant. We asked the nearly impossible of him and he rose to the challenge and organised our home loan in a very short time frame and at a seasonally difficult time (immediately prior to Christmas). He certainly worked very hard and made the whole process very easy for us. We'll certainly recommend Richard to any friends or family that are looking for a loan.

19 January 2019  


Very happy with Richard, he was very helpful and went above and beyond what I expected.

13 January 2019  


In our opinion, Richard went well above and beyond the duties of a mortgage broker. We further really appreciated the expertise he brought in the area of the property market, and was always willing and available to give market related advise on properties we were looking at.
If there was any room for improvement, it would be in having a bit of leverage with the bank to ensure formalities were taken care of in the most time efficient manner. Our settlement went through on time within a time frame that was really tight, so I still really happy with the end result.

01 January 2019  


Nothing was to much trouble and we always felt confident that Richard has our best interests at heart.

18 November 2018  


08 November 2018  


06 November 2018  


Richard has always been great help for all our home loan requirements. He is the best mortgage advisor in town.

31 October 2018  


Richard was friendly and quick to answer any questions I shot through, would be happy to recommend in the future.

28 October 2018  


27 October 2018  


Always helpful. Always available. Great communication. Thank you

22 July 2018  


20 June 2018  


Richard has been looking after our mortgages over the last 10 years, we always seem to set him some challenges, which Richard over comes, with good results for us and with the best deals that suit us, look forward to the next deal as we always get top professional service. Many Thanks to you Richard.

15 June 2018  


01 June 2018  


Richard was so great to work with that I can't think of anything he would need to improve. We were really grateful for his help and friendly attitude.

25 May 2018  


13 May 2018  


Richard was an absolute pleasure to deal with, I have already recommended him onto friends , he made my life and purchase of my home so much easier. Thanks Richard

11 May 2018  


11 May 2018  


16 April 2018  


Richard De Mello was very professional and took personal care in advising me every step of the way.

I would definitely recommend Richard to all my friends and family.

He will definitely look after you.

07 April 2018  


Richard De Mello was very professional and took personal care in advising me every step of the way.

I would definitely recommend Richard to all my friends and family.

He will definitely look after you.

07 April 2018  


Richard has always been a great advisor for us. We've purchased 3 properties so far and right from the first home he is always there when we needed suggestions and decisions for our financial planning. He is excellent to deal with and we've highly recommended to my family and friends.

29 March 2018  


Richard has always been a great advisor for us. We've purchased 3 properties so far and right from the first home he is always there when we needed suggestions and decisions for our financial planning. He is excellent to deal with and we've highly recommended to my family and friends.

28 March 2018  


As a first time homebuyer, I was unfamiliar with the entire process, to say the least. I did some preliminary groundwork myself but soon found myself overwhelmed. We currently live in a remote town in WA and building our first home in Victoria, which further complicated the entire process.
“If it was not of Richard’s help, we would have already given up this plan".
Richard not only secured a better rate but also patiently and professionally guided me through each step of the way. He is extremely knowledgeable and professional, and worked hard always to get me the best outcome, even going well beyond his call of duty. I do not have any hesitation in recommending Richard for anyone looking for a great mortgage adviser.

10 March 2018  


As a first time homebuyer, I was unfamiliar with the entire process, to say the least. I did some preliminary groundwork myself but soon found myself overwhelmed. We currently live in a remote town in WA and building our first home in Victoria, which further complicated the entire process.
If it was not of Richards help, we would have already given up this plan.
Richard not only secured a better rate but also patiently and professionally guided me through each step of the way. He is extremely knowledgeable and professional, and worked hard always to get me the best outcome, even going well beyond his call of duty. I do not have any hesitation in recommending Richard for anyone looking for a great mortgage adviser.

10 March 2018  


01 March 2018  


I've known Richard for 15 years. He is my mortgage advisor. Anything to do with mortgage goes to him as he assesses the situation. His information are up to date and provide me with choices and options, the pro and cons. He is a man of integrity and I trust his judgement. For this reason, I am comfortable to leave the work to him. I can be assured of a strong, positive outcome. Richard also goes out of the way for me in many occasions over the years. His friendliness, honest transparencies provide him with many business networks which I can tap into. Well done Richard and keep it up

11 February 2018  


02 February 2018  


23 January 2018  


Richard was recommended by some friends or ours and we can see why, he was was a great help throughout the process going beyond what you would consider normal service. He was always available to contact, explained everything really well and was very patient even when our seller wasn't. If you are looking for a broker you have found a diamond right here.

22 January 2018  


Richard went out of his way a number of times to help us both before and after the refinance, including getting us great deals from our new bank. I highly recommend him to anyone I know that is looking at a mortgage! Aaron.

11 December 2017  


A big thank you to Richard who helped and assisted us with the paperwork and provided a very smooth, effective and efficient service now as well as 3 years ago. Richard is knowledgeable and very approachable, and always had a real interest in our application and the outcome. Communication with him is clear and he always was there for us to respond to every email or inquire we had.
Thanks Rich

10 December 2017  


Richard was able to help us get finance after we had a bad experience with a previous broker and within a timely manner. I highly recommend richard to anyone who needs a financial broker!

18 November 2017  


17 November 2017  


Richard was able to help us get finance after we had a bad experience with a previous broker and within a timely manner. I highly recommend richard to anyone who needs a financial broker

17 November 2017  


Richard is seriously a miracle worker when it comes to home loans!
he goes over and above to make sure that you feel comfortable, and puts in the extra hours if needed, as i work fifo and phone reception can be unpredictable.
he has helped me jump through bank hoops for the last 3 of my homes, and i will continue to recommend him to all my family, friends & strangers too!

24 October 2017  


Thank you so much to Richard De Mello.
He helped myself and my wife get the best deal that worked for us.
Nothing was ever to hard and we found him very approachable with any questions we were unsure of.
I will definitely recommend Smartline & expecially Richard to friends and family.

Andrej Duru

05 October 2017  


Richard gave us great service from start to finish. Nothing was to hard or a hassle. Would recommend to anyone. Wouldn\'t hesitate to go through Richard again.

01 October 2017  


I have been through the pathways of the banks and what an amazining surprise. Richard was totally professional and i believed and trusted him also that information and facts were the truth. My whole family have had Richard and smartline help them also.
Sue cowton.

24 September 2017  


12 September 2017  


Richard was very helpful and always easy to contact and ready to help with any arising questions

29 August 2017  


27 August 2017  


Richard was very very helpfull indeed.He did all the work for me regarding my loan.

21 August 2017  


Richard, thank you for your service. I know I can trust you with my loans over the last 10 years.

19 July 2017  


Paul was very professional and was a great advocate of the smartline brand. His guidance and advise is what allowed us to make an informed decision on the property we wanted and the one we now own.

13 July 2017  


Paul was very professional and was a great advocate of the smartline brand. His guidance and advise is what allowed us to make an informed decision on the property we wanted and the one we now own.

13 July 2017  


Rich was amazing He would contact us daily, meet with us anytime and made the whole process of buying your first home very enjoyable Incredibly organised and represents your brand and business very well. We will continue our relationship with Rich.

09 July 2017  


Richard was very proactive in securing what we needed. His honesty, efficiency and good sense of organisation and planning are evident in the result; we secured a good loan and all thanks to Richard\'s initiative!

Need more honest and reliable people such as Richard in this industry.

28 June 2017  


Great home loan advice and service Especially for my very first home
Thank youuu

18 May 2017  


Richard was quick to respond to my first call and followed every enquiry l had with a call or email he helped my understand the issues faced and gave personal recommendations to help find the best deal for me. Richard exceeded all expectations l have already recommended his services to other people and we will be using his services again very soon

17 May 2017  


Richard had been very helpful and knowledgeable in finding me the right investment home loan solution and helping me in setting up my loan application. He is very responsive and efficient in the whole process (from finding a right home loan to loan application). He had also offered me some interesting fruit for thought in property investment. I am happy to work with him again and would recommend him to my friends and family.

06 May 2017  


Richard is very professional but also has a very approachable attitude as I rang often asking for different advice for various questions. Rich always gave valuable advice and was very supportive throughout the sale of 2 x homes and purchase of one. It was not all plain sailing. I would highly recommend Rich to friends and family. A big thanks to smartline and Rich.

03 April 2017  


16 March 2017  


Richard went above and beyond with his service. Richard was always available, ready to answer questions and help where he could. Nothing was too much trouble

09 March 2017  


Richard really is more a miracle worker than a mortgage broker I've had the pleasure of letting Richard make my housing dreams come true for the last 10 years...with homes varying from a coastal villa, inner city apartment and now a hills acreage property He is honest and upfront about the current interest rates bank packages being offered, gives his recommendation for your particular situation, and makes the whole home buying process stress-free. I would highly recommend him for your next housing purchase

27 November 2016  


As it was my first time using a mortgage broker and purchasing my first property I found it to be extremely overwhelming with all the paper work required however Richard really took the time to sit down and explain every detail to me and help me understand things. He was always contactable and so helpful! I would recommend him to everyone he truly helped in making this as easy as possible and so fast also!

15 November 2016  


I was so happy choosing Richard It gave me confidence buying my first home that we picked the right home loan for me. Richard was so professional and gave great advice which allowed me to make an educated decision. He was a pleasure to deal with and I recommend Richard to all my family and friends

14 November 2016  


Without Richard, I cannot imagine the process of building our first home. So extremely impressed and thankful for his efforts going above and beyond for us from the beginning and even still now as we have started our build. Highly recommend
Thankyou so much Richard

09 November 2016  


Richard provides excellent customer service and his knowledge is ahead of the game. We highly recommend to anyone that has mortgage broking needs. Great work Richard and the team

31 October 2016  


Rich is the best Always eager to get you the best deal. Will continue to recommend to friends

19 October 2016  


Richard is good. provided service above and beyond the call of duty. He continues to provide assistance even though the project is completed. His advice is sound, this is what I am talking about - you know what I mean, and has always been attentive to my needs. I will most certainly recommend him to any one I know.
Peter Milne

17 September 2016  


12 September 2016  


I am extremely thankful for the efforts that Richard has provided throughout our process of house & land package. Rich has always been incredibly helpful especially given the hiccups in our building process (due to land settlement & builder). He has kept in touch checking on us & the process throughout as this has been quite lengthy so far. The genuine care and amazing guidance provided is more than we could have expected from any broker, so we are beyond happy with the service provided by Richard & Smartline. Thank you :)

07 September 2016  


Richard always goes above and beyond to ensure everything happens smoothly. I\'ll be in contact for my next purchase!

23 August 2016  


15 August 2016  


With his abilities & dedication Richard will make a great personal mortgage adviser for Smartline. We have no doubts.....We would like to recommend him to others .We would like to take this opportunity to thank Smartline Company and Richard De Mello.

27 April 2016  


16 April 2016  


Richard keep his promises and deliver extremely good service.

19 March 2016  


Richard was very professional. He was able to get us a loan after we had failed. He knew about banking and was able to get us a product that suited our needs. He was also very expedient and our loan was approved in two days. I would certainly recommend Richard.

15 March 2016  


Richard was thoroughly professional in all aspects of service. He was very supportive and felt that he was looking out for our best interests. Would recommend!

04 March 2016  


Richard has been our financial advisor for over three years now and we value his honesty and professionalism. With the mine field of information and offers out there, Richard worked with us to meet our needs and find the best offers available to us on all occasions. Richard shows a high level of professionalism and always responds to our calls and emails. We will continue to use the services Richard provides.

25 February 2016  


We believe that the advice received from Richard throughout the long process was very much appreciated and very helpful.

Please continue the great job.


09 February 2016  


Richard is a wonderful financial advisor. He knows his job. He is not sales focus. He looked my bigger picture. He quickly picked my needs. He went above and beyond advising me not only with right financial products but also provided his network/resources for me to access. E.g.independent building supervisor etc. I have no hesitation to recommend Richard to my friends and colleagues. Good on him. SAM

11 January 2016  


05 January 2016  


14 December 2015  


01 December 2015  


Clone Richard so that he can deliver the same good service to more customers, and enable him to have a well deserved break.

22 November 2015  


We found Richard to be very informative and efficient when handling our finance requirements. We will definitely be calling Richard when we next require finance and highly recommend him to friends, family and colleagues!

19 November 2015  


18 November 2015  


Richard goes above and beyond the call of duty. No matter what time of the day or in our case the night, he is always then to offer precise and honest advice. I would highly recommend him (and have done so) to anyone

10 November 2015  


Richard gave us an outstanding service to get us our home loan. He was quick and proactive in answering all my queries and requests. I would highly recommend him to my friends and family.

20 October 2015  


Richard was extremely helpful helping me to make informed decisions about which lender I should choose, also providing excellent advice along the way. This is the second time I have used Richard De Mello.

11 October 2015  


02 October 2015  


10 September 2015  


06 August 2015  


I really appreciate the way Richard deal with people, his passion & professionalism makes him an outstanding mortgage broker. I have recommended & will recommend Richard to everyone who wanted to buy a property.

21 July 2015  


03 July 2015  


excellent service, kept me well-informed and is honest in all his dealings would highly recommend

02 July 2015  


16 June 2015  



12 June 2015  


21 May 2015  


Richard De Mello listened, understood and was able to provide sensible financial advice and helped us to secure a loan for us, including coming to our house to help us filling up the loan documents (which did not appear to be straight forward to us). Excellent work and happy to recommend to anyone in need of his service.

20 May 2015  


I have being dealing with Richard for 5 years now. He is my mortgage adviser for the first home and still helping for my second home.

14 May 2015  


Richard has been amazing, he made the whole process easy and stress free. This is my third time going through Richard for bank loan and definitely use him again, need I say more?

11 May 2015  


Richard was simply awesome and extremely responsive. I have recommended him to a number of people.

15 April 2015  


10 March 2015  


Richard was very helpful and patient with me throughout the entire process. My financial situation was a little complicated, however Richard managed to secure and hold a great deal that suited my needs and we got my new house over the line! Im very grateful for all his help and effort!

05 March 2015  


23 February 2015  


It was a pleasure working with Richard he was very easy going and easy to work with. I would definitley recommend him.

04 February 2015  


Richard has been a fantastic advisor to us as he did not offer what he wanted to sell, he just only worked with us to achieve what we wanted. Good on him.

16 December 2014  


14 December 2014  


11 December 2014  


He made our interest, his best!

29 November 2014  


13 November 2014  


06 November 2014  


I would like to thank Richard De Mello for helping me through the process of purchasing my first home with such welcoming manner and dedicated service. He was just so nice in every way - efficiency, knowledge, and he was always there to assist my needs. I really appreciate his friendly welcoming approach and his efficiency and I will definitely recommend Richard to anyone I know. Thank you so much!!

05 November 2014  


30 October 2014  


22 October 2014  


Richard was and is great, keeps us very informed and always contactable. Goes over and above!

10 October 2014  


This is the second time we've used Richard and will be using him again. He's made the whole process so easy and was always on call for any questions. I've also referred him to my sister who also used him for her mortgage.

09 October 2014  


06 October 2014  


04 September 2014  


Through the process of financing I have met several finance advisers,I could not relies on them and found Richard was really done everything professionally.He did study all the way which I can get through finance and selected best solution to go through.However at one point I was disappointing which is West pack bank granted me Pre approval based on my pay slips.But at the stage of unconditional approval grant,they rejected the finances.As finance consultant,Richard could have to study where is the point which could be disadvantage of the client.In my case , My pay slips says 102k annual income.Since I join to the company just before six month, bank assessed my income as 92k. That is some kind of initial work which Richard could have to be done. Then bank say about that issue he also told me your income is not 102k it is 92k. I provided him all my pay slips and so he could have to go through it rather than looking at figures on pay slip.But that time I have invested my money on land and builder as no doubt about granting finances.That is the point I was disappointing and that is why I rated him as 9. But apart from that He is really good person and reflected high standard professionalism through out his work.Finally he achieved my goal. I want to let him know this small thing as he can improve his career and specially when he works with his clients specially migrants to Australia they in the case of they don't have income history in Australia, pay bit of concern about current earnings before saying a word to the client. Finally he is good friend. He gave me lot of house ideas and arranging settlement agents and importantly when I'm out of Perth he did most of thing with me online and arranged sign docs online through bank etc..Wish good luck for his career.

16 May 2014  


Richard yet again surpassed our expectations, was always available and made our experience flawless. This is the second time he has assisted/advised us. We recommended him to our family members who also gained 100% trust in him. I will have absolutely no hesitation in using him again.

12 April 2014  


Richard provided exceptional service and was always contactable to answer any questions that i had. This was even after hours. I will most definatly reccomend him to anybody that i know that is looking for a property to purchase and already have.

13 February 2014  


I have just submitted a form and forgot to put my name on. Please see my remarks on previous survey.

13 February 2014  


28 January 2014  


Richard was very professional and patient. He was thorough and meticulous in his work.

22 January 2014  


17 December 2013  


Richard was just so great to deal with. We spent a lot of time choosing the right home loan for me which made me feel comfortable and confident I had picked the best loan. He was always available for any queries I had or info I needed and chased things up for me straight away. This made the whole process so stress free for me as a first home buyer. I will definitely recommend Richard to all my friends and family and I look forward to dealing with him again in the future!

14 December 2013  


Rich is one of the finest and the best brokers in town. He listens to client's requirements and offers the best value for money. I've recommended Rich to many friends and relatives. I would like to wish Rich all the best for future.

12 December 2013  


Richard Demello is one of the best brokers in the business.

11 December 2013  


A fantastic broker who goes above and beyond what is expected to get you what you need. He's there from the start and all the way through past settlement. Definitely the best broker I've come across.

10 December 2013  


Richard was fantastic throughout the whole process, he was always available to take my phone calls, nothing was ever to hard for him and he always went over and above what was expected. We couldn't have asked for a better advisor. We would definitely recommend Richard to anyone who is looking for an advisor. Meurice Hunia & Luke Della-Vedova

05 December 2013  

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