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Richard Denholm


Average client rating
4.8/5 From 192 Reviews

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Richard Denholm has been fantastic each time I've worked with him to arrange finance. He's helpful, knowledgeable and always available to help during the mortgage process. Highly recommended

02 February 2024  


02 February 2024  


Really enjoyed working with Richard. Provided heaps of support in a timely manner.

17 May 2023  


30 January 2023  


Richard has brilliant communication throughout the process and made my husband and I feel at ease. I would highly recommend him to anyone.

28 December 2022  


We loved dealing with Richard again, thanks again!

23 October 2022  


Richard was amazing! Extremely helpful, always available to answer questions and provide feedback. Couldn’t recommend enough! Thank you Richard :)

14 October 2022  


The service Allan provided was conducted in a professional, efficient, and confidential manner.

I have never used a Broker before, but he made my Partner and myself feel at ease, and we were completely comfortable during the entire process

09 October 2022  


18 September 2022  


20 August 2022  


Great service, easy to deal with, easy to contact, happy to answer questions.

10 August 2022  


24 July 2022  


My Adviser was easily contactable, friendly, approachable and provided excellent customer service. He made the process of purchasing my first house a smooth and informative process. I would highly recommend Smartline to family and friends, and will definitely use again!

01 July 2022  


Richard was recommended from a couple of friends and certainly did not disappoint. Very knowledgeable and accommodating!

28 April 2022  


Allen from Smartline is professional, easy to contact and talk to, and he got the best home loan available for my needs. Thank you Allen. It’s great to know that you, and the Smartline team, are there when needed.

08 April 2022  


Richard Denholm was fantastic! If it wasn’t for him going above and beyond, we would certainly have had major issues come settlement as he picked up on an issue by our own conveyancer and as such, we were able to rectify the issue in a timely manner. He always made himself available, even when he was on leave, he still answered our queries. He was absolutely fantastic from start to finish and I would 100% be happy to recommend him to anyone!

21 March 2022  


Richard is fantastic, and makes the whole loan approval process very easy. I would not waste my time doing it myself, dealing with banks needs a professional.

15 March 2022  


Richard was highly responsive and helpful and helped me think through a variety of options. I would trust him 100%.

10 March 2022  


This was the second time I have used Richard and his teams service and will continue to. They are professional and helpful and always provide honest advice.

30 January 2022  


30 January 2022  


Richard and the “Bank of Us” exceeded my expectations, great to deal, both of them.

30 December 2021  


29 December 2021  


Had no issues with anything,Lee was very helpful and went out of her way to help us with everything

23 November 2021  


02 November 2021  


Richard was very friendly and informative, he kept us updated through the process, meeting times were very convenient as we both work fulltime.
the whole process was so smooth.

19 October 2021  


Lee was brilliant. Kept us up to date at all times. Highly recommended.

09 October 2021  


27 September 2021  


We found Allan Leedham to be very helpful and contactable kept us informed during the very long process. We will say it's very disappointing that people that live on King Island can only borrow 70%, we can not see the reasoning behind this at all, our money is the same value as anywhere else in Australia. We should be assesed with the sames values.

15 August 2021  


12 August 2021  


Our first adviser unfortunately was unable to help, we were then provided Lee Utting as an advisor, who was extremely helpful and always quick to respond to any queries. I would have no hesitation in recommending Lee as an advisor.

10 August 2021  


Richard, Easy to work with and resulted in a good outcome.

09 August 2021  


Very helpful, personable and efficient.

09 August 2021  


02 July 2021  


Richard was wonderful, providing excellent service in prompt fashion. Highly recommend

28 June 2021  


Lee was very informative, contactable and a pleasure to deal with. I would not hesitate in recommending her and Smartline

25 June 2021  


I’ve used Richard before and will use again and have recommended him to mates an family in the past and has always delivered

15 June 2021  


Extremely knowledgeable and also invested a lot of additional time for our slightly complex requirements

24 May 2021  


23 May 2021  


17 May 2021  


We have nothing but praise for Richard Denholm.
We are 60 yrs old, on one wage and had been renting for 8 years and there were a few hurdles to get through but Richard obtained us a loan. We didnt think it would happen - but thanks to Richard it did!

11 May 2021  


Lee was a great help. She was very accessible and I was very happy with the service

03 May 2021  


02 May 2021  


26 April 2021  


Richard was fantastic during our refinancing journey, he exceeded our expectations and was able to do in a small time frame. Richard was always honest and happy to take our calls when we had further questions.

08 April 2021  


31 March 2021  


Our Smartline Mortgage Advisor Richard Denholm was a great help to my wife and I in securing our mortgage with one of the Big Four Banks. Without his knowledge and insight within the financial industry we wouldn't have made it.

30 March 2021  


22 March 2021  


10 March 2021  


We had a great experience with Smartline who successfully enabled us to buy our first home. Lee was fantastic. She was professional, friendly and always available to help us with any questions that we had or issues that popped up. Very satisfied!

27 February 2021  


In both times I have gone through Smartline for a loan Lee has helped me tremendously to understand all aspects of them. She is friendly, professional and quick to respond. Would definitely recommend going through her.

26 February 2021  


Very good all round and very polite ten out of ten

10 February 2021  


Very smooth process. Richard acted promptly to get finance over the line. Highly recommended.

02 January 2021  


Found the electronic loan process rather odd as I've never used it.
The Rokeby staff were very good with their explanation and assistance.

08 December 2020  


Lee Utting was very supportive through a minor setback and kept trying to get me the best deal possible and I am so pleased to say she succeeded!I have already recommended Smartline to family, friends and work colleagues. Thank you!

12 October 2020  


Richard and his team were very knowledgeable and helpful in helping us purchase our land. Their customer service is fantastic and they are approachable and understanding. Will use their services in the future and recommend to friends and family.

24 September 2020  


It was what originally looking simple but The COVIDSafe banks made it hard I think, Richard did all he could do to keep it alive and to finally get it over the line and we appreciate what he did for us!

24 September 2020  


Lee Utting was amazing and helpful through a difficult and stressful time.

20 September 2020  


Richard is a diligent broker and thoroughly looked at your situation and recommended the right product for us. He kept us up to date along the way and we felt comfortable in his hands - thanks Rich !

14 September 2020  


My experience with smartline has been great. Easy people to talk to and available to contact at any time. Would recommend to anyone needing support in purchasing a home!

14 September 2020  


Richard was always readily available and fast to response and provide updates, which was much appreciated during the application review process.

09 September 2020  


Richard was very helpful, precise and professional in every aspect of the dealings. I would have no issues recommending him in the future. 10 out of 10 service.

26 August 2020  


16 August 2020  


Richard was great to work with. He is very approachable. He explains things well. He was always reachable when we had a question. I'd recommend him without hesitation!

14 August 2020  


Richard Denholm is great!

12 June 2020  


29 April 2020  


Friendly service, very happy with the final outcome.

25 February 2020  


We were very happy with Richard and Lee, always replied promptly and kept me updated.

25 January 2020  


25 December 2019  


Richard was brilliant

20 November 2019  


Richard was amazing. He made the process stress free and was readily contactable. I will highly recommend him to colleagues and friends. Rick

01 October 2019  


28 July 2019  


01 July 2019  


Excellent prompt service

16 June 2019  


Easily explained everything.

29 May 2019  


Richard was helpful and he kept me inform of my home loan outcome even when he was away on annual leave. I will definitely recommend him to my friends.

19 May 2019  


06 May 2019  


Richard is always great to deal with and takes away all the hassle in finding finance. I have recommended him to friends and they all say he is very professional and friendly.

22 February 2019  


Richard and team were so helpful that I really don't know how they could improve for us.

04 February 2019  


Richard was easy to deal with and very relatable. Richard communication was clear and concise, and never had ask for an update Richard kept us informed the whole way.

18 December 2018  


Smartline have excellent selection of their employees and my personal opinion/experience is Richard ultimately is the best in his field. He not only goes the extra mile but his knowledge in the industry makes him a master in field.

You can trust his advice and recommendations with out hesitation.

Communication is another highlight and something that for me in my business is critical and Richard does this to a high standard, never felt there was something I didn't know or why I hadn't heard something.

13 December 2018  


Richard has assisted me a few times now in obtaining a home loan. He has always been approachable, professional and efficient every time. I would highly recommend him to other people and use his service again.

11 December 2018  


Richard is very friendly, makes the whole process so easy especially when you have no idea and ask a million questions. Would highly recommend him to everyone.

01 November 2018  


22 October 2018  


Richard went above and beyond for us. So much more than just mortgage advisement. Thank you.

06 October 2018  


13 August 2018  


Richard was very resilient in what i saw as a complicated settlement involving several states, banks and properties.

he regularly pursued other parties on my behalf to facilitate proceedings,when it appeared they were not in a hurry.

i was regularly kept informed, advised and recommended on actions to take, that i really appreciated by Richard and staff.

27 July 2018  


Richard Denholm is just AMAZING!! Great to deal with.

27 June 2018  


12 June 2018  


10 June 2018  


04 June 2018  


12 April 2018  


Richard Denholm is just AMAZING!! Great to deal with.

06 April 2018  


18 December 2017  


Richard is always great to deal with and takes away all the hassle in finding finance. I have recommended him to friends and they all say he is very professional and friendly.

07 December 2017  


16 November 2017  


Couldn\'t fault Richard in the slightest. He was very helpful and kept me in the loop the whole time. I probably called him dozens of times because I have never been through this process before and he always answered or called me back straight away and was very patient with me!
He really went the extra mile to help me out as it wasn\'t the easiest loan to get as a person in my situation.
Even after the process was finished he has followed up with me to make sure that I have settled in well.
Have already recommended him to some friends.
Thank you for all your help Richard!

04 November 2017  


23 October 2017  


In all my dealings with Richard over some years now I have found his service to be excellent. In nearly all occasions I present him with a significant funding challenge and he has never failed to deliver. I would and do recommend him to friends, work colleagues and clients

Stuart Lawless

28 September 2017  


Richard took the time to understand what was important to me. I really appreciated the fact he suggested a lender that could offer features I hadn\'t come across before that would give me the flexibility in my loan that I needed. Thanks Richard.

01 September 2017  


This is the third time I have been to Richard for a loan/ to refinance. He always makes the process smooth and simple and I highly recommend him. Thank you for all your help Richard, you\'ve been great!

22 August 2017  


I came to Richard on a Monday and by Thursday my mortgage was all signed sealed and approved. Time was a big factor as we were competing with another buyer and three days for approval must be some type of record. Richard understood our needs and was always on hand through the entire process for any questions we had. Not only was it approved in record time but we got a great competitive interest rate aswell.

My advice if you need great personal service and someone that can get the job done give Richard a call you will not be dissapointed.

11 August 2017  


Thank you so much Richard for your professional assistance for our first home loan. You made us feel at ease and everything was explained simply. Every part of the process was done seamlessly and professionally.

06 August 2017  


Couldn\'t recommend enough

03 August 2017  


07 July 2017  


05 March 2017  


Richard took the time to listen to our needs and worked hard to identify the best finance solution to our requirements. Warrick and Kate

02 March 2017  


Using smart line took all the stress and worrie away from getting a loan my advisor Richard Denholm kept me up to date every step of the way with daily phone calls and email to let me know at what stage my loan was at. He also went above and beyond with the purchase of my vehicle.
Thank you smart line.

21 February 2017  


Richard was excellent, his mannerism and professionalism were outstanding.
No question, no task was ever a problem and he made it very clear how important i was and discussed solutions and advice along the way, i felt he was always on my case.
This is great as i had some prior experience with another firm few weeks earlier who\'s professionalism and follow through was poor.
To top it all off he got a great result for me and i cant thank Richard and Smartline enough!
Thank you.

15 February 2017  


Richard Denholm, epitomises old school business ethics. He is uptodate and informed, he is respectful, very patient, he could not be more helpful and he gets the job done. I highly recommend him.

08 January 2017  


14 December 2016  


Very helpful and would recommend Richard to my friends.

06 December 2016  


02 November 2016  


Richard was brilliant, my circumstances caused more difficulties than most. When I would waiver, stress and think it was all too hard, Richard with such a positive outlook kept telling me that he would get me through because if he didn\'t he wasn\'t doing his job. Thank you Richard, I couldn\'t have done it with out you. Bronnie :-)

26 September 2016  


25 September 2016  


Smartline is Really Really Really Really Good! I Mean like Really!

I do know other words, really I do!

Thanks, really!

16 July 2016  


19 June 2016  


As usual Richard Denholm exceeded my expectations. His service is second to none, hence this would be the 6th time we have done business

06 June 2016  


Richard was absolutely fantastic during the entire process, always ensuring he was handle our requirements and for us and not to worry about anything.

10 May 2016  


03 May 2016  


Our SmartLine broker was brilliant. I\'m self employed and so the process to gain finance for our house purchase would have been difficult (if not impossible) without his expert advice. He understood our situation, helped us every step of the way, and kept working for us to get us the right deal. We really appreciated his experience and knowledge to guide us through the process and reduce the stress of the finance process. Thanks Richard!

26 April 2016  


Unbeatable service and advice. Thank you Richard for all your assistance during the process of our purchase.

10 March 2016  


18 February 2016  


Richard was amazing in helping us get the right loan for our new home!
Always on top of everything and full of great advice.

16 February 2016  


Richard and his assistant Mel were very helpful. My situation was far from straight forward and has taken countless hours of hard work and persistence and Richard has done a great job during the whole process and gone above and beyond and even helped with any questions/concerns after hours and on weekends. I would strongly recommend him to anyone needing his services and look forward to working with him on future projects.

26 January 2016  


30 December 2015  



Richard provided very good service throughout the brokerage service, and I appreciate the work taken by him.

However, one issue did arise, as my new home loan started charging my an $8 per month offset account fee. I had on more than one occasion verbally confirmed with Richard that the offset account would be free, unfortunately I did not pick up his mistake in the supporting documentation supplied - which was my mistake.

Richard admitted to not being aware of the fees for the offset account, and tried to rectify the situation with the new bank, but the offset account fee could not be waived. He also highlighted that the new loan was cheaper than the former, but did not comment on whether an alternate loan would have been cheaper.

Except for this issue, Richard provided outstanding service. However, given an unwillingness to acknowledge and take responsibility for the mistake (one I admit I should have picked up), I can not recommend him to friends & family, as I\'d expect detail orientation to be key for a broker.

Thank you for the oppurtunity to give feedback.



03 December 2015  


21 November 2015  


18 November 2015  


Richard made the whole process really easy and stress-free. He was very flexible with meeting times and happy to meet me out of work hours. I never thought I would be able to buy a house on my own but Richard made it possible. He was always friendly and genuine, and guided me along the entire process. I will recommend Richard to anyone!

24 October 2015  


I have now dealt with Richard Denholm at smartline Rosny on a number of occasions and have found his service and knowledge to be of the highest standard. Being in business myself I think it is paramount to keep your client informed throughout your process, contact them to explain potential hold ups etc. Richard did all of this and more. I cannot recommend him highly enough and would encourage any potential borrowers to give Richard a go
Stuart Lawless

21 October 2015  


Richard was great to deal with, professional, prompt and knowledgeable. We were happy with the product and whole process was easy and stress fee. I\'ve already been recommending Richard and will continue to do so.
Ben and Sarah

08 October 2015  


They are very informative and friendly and I would recommend Richard to everyone. I would like to thank Richard for making my dreams came true.

18 September 2015  


We have been using Richard Denholm for 4 years now and on every occasion have found him fantastic. Our first encounter was a difficult one due to the financial positions of both of us because of a marriage breakup. He goes out of his way to find the best deal for us, is always immediately contactable, and we have recommended Richard to several friends, who also have done business with Richard. In short 11/10

16 September 2015  


Richard was always informative and reliable. If he said it he meant it and was totally honest and respectful with us at all times. I would not hesitate to recommend him. Great service Richard thank-you.

01 September 2015  


Richard was always available,....very consultative,prompt with responses as well as being a very affable personality,......would recommend to others.

13 August 2015  


18 July 2015  


I have never used a adviser/broker before, so can't compare. The service provided was excellent and kept informed of progress. Thankyou

22 May 2015  


Richard was fantastic, he kept me informed during the process and was able to get the job done. Thank you so much Richard, I will recommend you to family and friends.

18 May 2015  


Richard was just so wonderful and very professional. He was with me every step of the way and kept me well informed. I have already recommended him to my family and friends. I found the whole process easy and I am truly happy with the out come. I would most certainly use SmartLine and Richard again if the need arises

08 May 2015  


08 May 2015  


Richard was fantastic I had some troubles in getting myself a home loan as some banks said No but thanks to Richard and his amazing work I am now a proud home owner, Thank you so much Richard Denholm

29 April 2015  


12 April 2015  


Was in a situation where getting a loan wouldn't be easy due to casual employment but after looking high and low and many options I was granted a low interest loan, very happy. Richard was very contactable anytime I needed to ask a question.

20 March 2015  


Richard was a great help to my wife and I. We were in a bad place financially and went to Richard to seek advice. Little did we know we were eligible to purchase our first home. Richard made our dream come true. He was great throughout the whole process, always just a phone call away had we any questions. I have already sent a few of my friends and family to see him, he has helped them too. We will definitely be using Smartline for all our future financial needs. Thanks again, Sam and Tahlia

12 March 2015  


I now have two home loans, a home loan and investment loan. Richard obtained finance for both of them. He took the time to explain everything to me until I understood and made it all possible. I have referred several friends to Richard and they are just as happy as me. I will be sure to go back to Richard when I need more assistance.

11 February 2015  



08 January 2015  


I liked most, how helpful Richard was in our situation and how much he did for us throughout the process of successfully getting us the right bank loan. If needed I would recommend using Richard again. Thank you Richard and smartline

08 January 2015  


Can not thank Richard enough for his expertise and assistance throughout the process of purchasing my very first new built home. Richard kept me informed all the way and I am confident Richard secured the best possibly loan for my circumstances. I will definitely be recommending Richard and Smartline to everyone I know. Thank you again. Kind Regards
Bonnie Matthews

29 December 2014  


17 December 2014  


29 November 2014  


Fantastic !!! i was 110% happy with the service!!!!!

17 November 2014  


13 November 2014  


This was the first time I have bought a house and Richard made the entire process stressfree and even fun! I wouldn't hesitate in recommending Richard as he was totally professional, always available for a chat and really went above and beyond my expectations of him. The entire process was seamless and it was wonderful to have someone organising the financial side of things to free me up to pack my old house and prepare myself for the move. I really can't thank Richard enough!

27 October 2014  


20 October 2014  


Richard was an excellent advisor he kept me inform on everything that was going on I would highly recommend to anyone looking to buy a house. As my first advisor could not help me at all

01 August 2014  


05 July 2014  


Richard was unbelievably helpful, would strongly recommend to anyone looking to purchase a property.

27 May 2014  


Richard was fantastic to deal with and made things go smoothly and quickly.I have no hesitation in recommending Smartline to my work colleagues, family and friends. THANK YOU.

26 May 2014  


16 May 2014  


22 April 2014  


Richard was amazing and managed to assist me with a loan application which was particularly difficult. I would very happily recommend him to anyone (and have done so at every opportunity)! He was super informative, on the ball and is also a very personable fellow. Can't speak highly enough of him!!

21 April 2014  


I found Richard to be very helpful and he went out of his way to help me with my first purchase. I would definitely recommend him and will be using him again in the future.

25 March 2014  


Richard, is a credit to Smartline, He provided a professional service going well outside of expectations to meet our needs. His delivery of service could not be faulted, often working well into the night due to time zone differences with lenders. Richard kept us informed of the progress of the loan application and assisted and guided where possible.

17 March 2014  


07 March 2014  


01 March 2014  


Richard's guidance and advice throughout this process, was invaluable. He was always available and ready to assist in any way we required. Certainly recommend Richard to family and friends, and have already done so. Not sure that we would have achieved our goal of home ownership if it hadnt been for Richard.

10 February 2014  


31 October 2013  


I had a fantastic experience with Richard from smart line , I couldn't be more happy with his service, he helped me and my family get our first home which we have been trying for years to get any never succeeded ! Richard helped us get our dream home and I thank him greatly !!

13 October 2013  


Richard provided a prompt friendly service with a hign level of communication.

28 August 2013  


Richard was fantastic. Very efficient and kept us up to date at all times. Will be recommending him to friends and family. Mel Vance & Ben Claxton.

27 June 2013  


20 June 2013  


I am very pleased with everything. This is my first home loan, everything went smoothly and I am very happy.

16 June 2013  


15 June 2013  


15 June 2013  


I found Richard Excellent but the Finance Company Latrobe seemed to be very laid back in their approvals and settlement.

12 June 2013  


I found Richard friendly and approachable. He was happy to take my calls anytime - even on the weekend! He explained every step and kept me informed throughout the process of getting my home loan. Thanks Richard!

05 May 2013  


hi, i was introduced to Ric through another client, he was perfect for my needs as i work away. ric new what i required and when i got back it was done. he kept me informed through email of where we were at, at all times. i found it so much easier to deal with Ric than going through a bank, i would still be trying to sort it out, would recomend him to any one.

17 March 2013  


Richard explained everything very clearly and made the whole experience very easy for me.

04 February 2013  


Richard went out of his way through every step to ensure all paperwork was completed correctly, wouldn't hesitate in recommending Richard to friends & family.

29 January 2013  


Greatly assisted in making the potentially incredible stressful time of purchasing a new home run as smoothly as possible. Richard was friendly, approachable and considerate to our needs. Happy to recommend.

11 December 2012  


29 November 2012  


Nick and I were in the middle of running a new business, planning our wedding, and we also wanted to build our first home. We applied with two banks and were knocked back. A friend referred us to Richard and he was such a time saver. He took all the stress out of trying to get a loan because he looked after all the nitty gritty details for us. He answered all of our questions immediately. We were able to trust him to do his job and sure enough he got us the loan! Our house is well under way. We couldn't be more excited. Thanks Richard!

26 November 2012  


Well, we really don't know where to start. Richard Denholm bent over backwards for us. We can't speak highly enough of Richard. Nothing was too difficult. He worked long and hard for us. Our loan/s were a bit more complex than the usual home loan, but this did not deter Richard. To say the least we are 110% happy with Richard and would not hesitate in the slightest to recommend Richard to other friends and acquaintances. We are also very happy with the Bankwest who the loan was secured through. Please feel free to contact us if you wish to hear more. Regards Bernard and Leonie

08 November 2012  


12 September 2012  


Having a home on a commercial property for some reason made it extremely difficult for me to secure a loan. i was knocked back by the CBA of whom I had been a customer for 20 years. It seemed every broker i went to saw securing a loan with a commercial property would be difficult and as such none of them could get me one. Richard Denholm of Smartline was recommended to me and within a couple of weeks my loan had been secured at a competative rate. Thanks Richard and Smartline

15 August 2012  


30 July 2012  


Richard was great to deal with, he made the process very simple explaining everything very clearly to me keeping me informed throughout the whole process. I cam highly recommend Richard and have already done so to my family and friends. Thank you Richard

01 July 2012  


Thanks Richard for helping us buy our first home when a "big" bank wouldn't even look at us! You helped us understand the process and broke the terms down into a way we could easily understand. Thanks again!

19 June 2012  


Having not had any previous experience with mortgage brokers in the past and having only dealt with Banks previously, I thought I would try the services of a home loan broker but not quite sure what I would find. Fortunately, I met Richard, I found his services to be fantastic and he was very professional, I now consider him to be a friend. I would highly recommend him and I have done so to others.

18 June 2012  


Richard made himself availabloe all hours and on a public holiday. I havge recommedened him to several others already. Very pleased.

30 May 2012  


Richard was a great person to deal with and kept us well informed throughout the whole process. One of the best things was that he came to us whenever we needed to sign anything. This was perfect for us as we have five kids (only three at school).

07 March 2012  


Nothing was a problem for Richard he kept me informed and upto date all the time through the process. He always would return my calls promptly if I had to do the telephone tag. No challenges recommending his service too all.

14 December 2011  

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