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Sally Richards


Average client rating
4.9/5 From 322 Reviews

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Karen and Lauren were both extremely helpful in guiding us through the purchase of our home, and have a great network of other services needed throughout the process - as our conduit into the purchasing of our home, we couldn't be happier. Glad to recommend to anyone

03 May 2024  


Karen and her team Lauren guided and educated us total novices through the mortgage procurement process as first-time home buyers purchasing off the plan. Karen was prompt, proactive and communicative at every stage -- she answered all of our questions and kept us updated throughout. While the process was not without stress income changes related to impending maternity leave, she and Lauren helped make it all as manageable as possible. We sincerely appreciate all their work, and could not recommend them more highly

24 April 2024  


Thank you Karen Lauren. Best in the business

03 December 2023  


My partner and I kept Karen busy working with us through the process of purchasing an off-the-plan apartment, there was no point that Karen wasn't responsive, informative and available to support us. We are very grateful for Karen's support and know that we now have a great broker for the future too Thanks so much.

30 August 2023  


My partner and I worked with Karen, Aleisha and Lauren to secure our home loan. As first home buyers, we were a bit nervous about the process but found ourselves in very safe hands with Karen and the team. We felt supported throughout the entire process and could feel that Karen was going above and beyond to help us achieve our goal. A massive thank you, Karen and team. We'll be recommending this service to all our loved ones who are looking to buy.

09 August 2023  


Karen and her team assisted us in buying our first property. They were extremely knowledgeable and professional. We really appreciated their support throughout the process and would highly recommend them to others.

06 July 2023  


Sally and her team provide an excellent service, assisting with forms, calling the bank to speed up a valuation and ensure a progress payment to our builder was paid on time. I don't know how we would have managed this complicated process without her.

12 April 2023  


Karen and her team Lauren Aleisha were truly exceptional. Her professionalism, expertise, communication and responsiveness is unparalleled. We were first home buyers and didnt have any idea where to start, but after our first meeting with Karen we felt at ease and confident that we would be guided and supported throughout our journey toward obtaining pre-approvalapproval for our mortgage and ultimately purchasing property. She provided sound explanation and guidance at every step of the process. We truly felt there was no such thing as a silly question as Karen took her time to explain everything along the way. My only regret is that I dont have words adequate enough to thank and praise Karen and her team for their outstanding work. If I could give 1010 stars I would. Its because of Karen that my partner and I were able to purchase and live in our first home. Thank you Karen, Lauren Aleisha

22 March 2023  


Having worked with Sally for almost 15 years - she has never failed to help us and offer us super helpful advice. As her team has grown, she has obviously attracted the best people to keep up the exceptional standard of service to keep us informed every step of the way! Thanks again!

16 February 2023  


Sally was recommended to us by a friend. We were drawn to Sally as she respected our careers in the arts and helped us get the best loan possible with a sole trader income and job loss from covid. As first home buyers, no question felt too silly either, which was greatly appreciated.

31 January 2023  


30 January 2023  


Karen and her team were very communicative, supportive and went above and beyond. I highly recommend their services.

18 January 2023  


Karen, Aleisha Lauren, thank you for all your amazing service and support throughout the entire process. As a first home buyer, you made the process feel seamless. And not only did you support me, but you also taught me a lot. I will stay connected should I need to review my banking. 100 will recommend you.

Many thanks,

18 October 2022  


Sally was incredibly patient, attentive and knowledgeable. She had brilliant attention to detail and knowledge of the available products, but also the time and ability to clearly explain it all to us. I felt throughout the entire process that I was in safe hands and that I could fully trust her to get us the best possible deal. I would recommend Sally to anyone and everyone - I can't imagine going through this process without her guidance and wisdom.

16 October 2022  


Karen was amazing and made the loan application process a breeze. Karen was easily contactable and able to answer any questions we had. Thanks again Karen really appreciate your help on purchasing our new home

06 October 2022  


Once again Karen Smart and her team have provided exemplary service in a friendly and cheerful manner that actually makes loan refinancing and paperwork an almost enjoyable experience! She kept us up to date and went to bat for us when the Bank dragged its feet a little in the application process. We also appreciate the regular updates and reviews over the years that make us feel truly valued as a customer and confident our mortgage setup is always at its most competitive. Thanks again Karen!

28 September 2022  


Once again Karen and her team have continued to look after us and our mortgage to ensure we enjoy a most competitive offering in the current market. Always friendly and approachable Karen almost makes refinancing an enjoyable experience next time Im sure she and the team will achieve that too. The scrum diddly scrumptious Maggie Beer hamper received upon completion of our recent refinance was also a lovely surprise Would not hesitate to recommend Karen and her teams services

28 September 2022  


Karen was absolutely fantastic in assisting my partner and I with the purchase of our first home. Karen walked us through all the required details, and was super responsive whenever we had questions or needed clarification throughout the process. We would highly recommend Karen to others based on our experience.

29 August 2022  


16 August 2022  


26 July 2022  


Sally and her team were there to support us throughout the entire process, from determining how much we could borrow thru to Settlement. They went above and beyond and we cannot recommend them enough.

16 July 2022  


Would definitely recommend going with Smartline again in the future if I needed to and would certainly recommend using them as mortgage brokers for those who need help in obtaining a home loan and who need advice on taking loans out.

12 July 2022  


11 July 2022  


I would highly recommend Smartline, especially Sally Richards. The team were incredible helpful with all of my queries and would provide professional advise when required. I am sure if you used smartline as your property management professionals, you would have peace of mind during the sale or purchase of your next property.
Great Service and Experience!

20 June 2022  


Karen was fantastic very helpful and kept me up to date the whole process I would highly recommend her

19 June 2022  


Sally and her team were outstanding. We required funds quickly, and our expectations were exceeded. She and her team were very professional, and kept us informed at all times throughout the loan process. We are very satisfied clients and will have no hesitation in referring people to Sally and her team in the future.

09 June 2022  


08 June 2022  


We were blown away by our experience with Karen. She was patient, attentive, always available and super helpful during the process of buying our first home. She was nothing but professional, supportive and kind as she expertly guided us through a foreign and confusing process.
We both feel very lucky a family friend recommended this service and we will certainly be passing on the details to any of our friends or family looking to buy a property.
We cannot thank Karen and her amazing team enough!

06 June 2022  


26 May 2022  


Thank you for all your assistance Karen, I’ll keep recommending you to friends and family in the future ??

03 May 2022  


Karen did an amazing job securing the best interest rate for us in challenging circumstances. She is an excellent communicator and kept us informed about what our requirements were and the status of our application throughout the process. I’ll definitely be recommending Karen and Smartline to my friends and family.

21 April 2022  


Sally came highly recommended, and was fantastic through the entire process, our situation was a little more complicated than normal, which was set out and explained very well from the start, Sally helped at every step until past settlement and I have already recommended her to friends.

21 April 2022  


17 April 2022  


11 April 2022  


Working with Sally and her all female team (Karen is a super star) was great. I really value what they did for me and felt well informed and empowered throughout the whole daunting process. I recommend them to my friends regularly because I can only sing their praises.

09 April 2022  


I have nothing but the highest praise for Sally Richards. She is outstanding.

01 April 2022  


06 March 2022  


02 March 2022  


Sally was a wonderful help in assisting me with me new home loan. She was with me every step of the way and made the whole process a lot less stress. Will definitely use her again and recommend to friends.

11 February 2022  


Karen was such a great help through the process! She made sure we understood what was happening and was always available to talk if we had any questions. There's no way I would have been successful without her. Many thanks.

31 January 2022  


Sally made what is a very complicated process with heaps of forms to fill in as streamlined as possible, she was available to answer questions and explained points very well. She was recommended by 3 different friends and I have already recommended her to another,

22 January 2022  


06 January 2022  


29 December 2021  


Sally was very knowledgeable and extremely helpful. Nothing was ever too much trouble. I was very happy with service provided and outcome.
I will only deal with her in future for any loan advice or remortgaging and would highly recommend Sally & the team at smartline.

27 December 2021  


Sally was excellent, offering great advice, prompt in an reply and personable in her dealing. Would definitely recommend her.

22 December 2021  


Karen was great as usual, easily contactable and ready with a wealth of knowledge regarding everything relating to our specific circumstances during our refinancing. Thanks!

21 December 2021  


Thank you for the efficient, knowledgeable, personable advice offered in a timely,
professional and organised manner and leading to options, choices and solutions.

14 November 2021  


Sally, thank you for all your amazing time, energy and advice throughout my long financial settlement process. You have really helped me achieve my financial independence with all your support and knowledge. Your proficiency was outstanding. You were always quick to respond to my queries and your professionalism and knowledge was superb and invaluable. I shall definitely recommend you to my family and friends. It has been a pleasure meeting you and working with you. I greatly appreciated all your help.
Kirsten M

13 November 2021  


It was fantastic. Really great service. Helped educate me. Sometimes I got a little confused by information from bank, conveyancer and then not knowing which service to go to. You were all very kind and helpful. Thank you.

12 November 2021  


The whole process from inquiring to settling a property was made so easy with Karen’s help. No question was too complicated and I was able to access a far greater loan than I was offered by approaching the banks myself

11 November 2021  


Sally was incredibly supportive and helpful throughout a lengthy refinancing. Always impressed and grateful for Sally and her team. She's certainly earned her commission on this one! Thank you.

27 October 2021  


We've had such a wonderful experience with Karen! She was extremely attentive and responsive throughout the entire process. We really couldn't have asked for a better broker! We will be recommending her to everyone we know

09 October 2021  


Sally, Karen and Aleisha were incredibly helpful. They were always responsive to our emails and provided great explanations to give us the information we needed to help us make the right decision. We had multiple calls and zoom meetings with Sally to help walk us through the process, and she always showed that she had our best interests at heart. We could not have been more impressed with the services offered.

21 September 2021  


05 September 2021  


A big thanks to both Karen. She is very professional and patient, she also responded to my inquiries promptly. I appreciated other team members' helps too during the process.
Good Job!

21 July 2021  


Sally and her team are great to work with - they are 100% consumer focused and assist us in getting the best mortgage rates. We have recommended them to our family and colleagues

17 July 2021  


Sally and her team were incredible throughout the entire process, they were always available to answer questions over the phone or via email. Couldn’t appreciate their support and explanations more!

30 June 2021  


28 June 2021  


Love, love, love, I wouldn’t go anywhere else. I’m so lucky to have sounds Sally and Karen.

27 June 2021  


Sally and Karen provided excellent service, and took all of the stress out of applying for a home loan. Being a first home buyer, they were very patient and took the time to make sure I had all of the information I needed to make the right decision.

15 June 2021  


Karen and Sally have been fantastic throughout the whole process. Friendly, reassuring and always willing to answer our questions. Thank you so much for all of your support!

06 June 2021  


Karen was brilliant & efficient throughout the whole process. I have already recommended her to others & will continue to. It was obvious that she has a passion for her field as well as being highly skilled & knowledgeable. Thanks again Karen

15 May 2021  


Sally is amazing. I can't thank her enough for all her help, support and guidance. She has made my dream of owning my own home a reality. Words can not truly express how grateful I am. Sally went above and beyond at every step. Thank you

15 May 2021  


Sally and her team are exceptional on all levels. I have used Sally’s expertise for 3 home purchases and highly recommend her services.

11 May 2021  


09 May 2021  


Sally Richards, Karen Smart

05 May 2021  


Karen was extremely helpful in assisting me to secure finance to build my dream home. Karen’s communication is excellent and she she explained each step of the process and was always available to answer any questions. Thank you Karen & Smartline.

31 March 2021  


13 March 2021  


Overall it was a good service. Our adviser was responsive and helpful. The advice on a loan solution was excellent but some of the details around supporting us through the steps in the settlement process could have been improved.

01 March 2021  


Karen Smart was great to work with and organised all the expertise and support around me to make the process a smooth as possible. Karen responded super fast to my requests and emails. Can't recommend her highly enough!

02 February 2021  


Dealing with Sally and Karen was a seamless experience. Knowledgeable, quick to respond, listened to our requirements and managing our expectations very well. Would not hesitate to use them again.

01 February 2021  


21 January 2021  


Sally and Karen are consummate professionals with a thorough knowledge of the industry.
The ease of communication, keeping us informed at every step along the way was greatly appreciated and they made the process of buying our first home a pleasure.

25 December 2020  


Karen is very knowledgeable and patiently guided us through every step of the loan process, and kept us informed. Couldn't be happier with her service, and will happily recommend to any family or friends!

20 December 2020  


Sally was knowledgeable, helpful and informative when she needed to be. great service all round.

11 December 2020  


It was such a relief to have Sally take all the worries out of securing my loan. Everything went smoothly as she guided me through the application process and beyond. Thank you so much, Sally and Smartline for your excellence and friendly support.

24 November 2020  


I was very busy in a new job and sometimes had to call my adviser to get her to re-explain things. She was incredible helpful and patient as well as warm and human which I needed!

11 November 2020  


22 October 2020  


Sally was recommended to us by good friends and we will definitely also be recommending her in the future. Sally responded to every call and email promptly, explained everything clearly and made the process so easy for us.

19 October 2020  


Sally Richards throughput this whole process has been phenomenal! She came highly recommended from our friends and have already referred her in to some of my friends and family.

19 October 2020  


Karen was brilliant! Really helpful. Always there to walk us through every step of the process. Our home loan was quite complicated due to COVID and we wouldn't been able to navigate through it without Karen.

11 October 2020  


06 October 2020  


We had a fabulous experience with Sally. She was helpful, never pushy and she and Karen really took their time to answer our questions and keep us updated throughout the whole process. They made refinancing a breeze and a really positive experience.

29 September 2020  


Great result and guidance throughout. Many thanks!

16 September 2020  


Sally was amazing and I felt I was in very capable hands the entire way through the process. She's also a very nice person.

14 September 2020  


07 September 2020  


So happy with the services and help provided by Sally and Karen. Even though with the Covid-19 pandemic lockdown, everything went really smooth. Couldn't be happier. We will definitely be recommending Sally and Karen to our friends.

27 July 2020  


Karen's and Smartline's support were the key to success - and went much beyond the professional advice on loans. We felt (and feel) more like friends than clients! Thanks so much!!

14 June 2020  


I was very happy with Sally's advice and guidance during my loan application process (considering delays with COVID19). Would happily contact Sally for any future lending needs.

18 May 2020  


Sally and Karen were so great.

17 May 2020  


Sally and Karen were fabulous! They are both incredibly knowledgeable, detailed and very down to earth in their communications to us. We can't fault their support throughout this entire process and look forward to recommending them to others!

12 May 2020  


Sally and Karen made the entire process of finding the right loan and purchasing a new property so much easier and less daunting. Approachable and easy to reach; they always came back quickly on any questions we had. Would highly recommend to anyone!

05 May 2020  


Fantastic service from the team. I have now used them twice. Keep up the great work Karen and Sally

10 April 2020  


Continued exceptional service.
For over 10 years, Sally has been someone we can count on to help navigate the overly confusing world of mortgages.
Sally and also now Karen are invaluable to us and we can not thank them enough.

09 April 2020  


Sally (and Karen) were absolutely fantastic. Responsive and supportive in helping us find the best loan. They were then available to take us through every step of the process. We could not recommend them any more highly.

07 April 2020  


Sally is always very prompt and helpful which we really appreciate!

03 February 2020  


Karen is a delight to deal with and we really appreciate the ongoing commitment and relationship beyond the initial loan settlement. She has helped to save us $8000 pa by having our loan reviewed after only 12 mths from initial settlement. so happy to have Karen and Smartline on our team!

25 January 2020  


30 December 2019  


Karen Smart was very professional, prompt and incredibly supportive during the entire process. I would highly recommend Karen to family and friends.

02 December 2019  


Sally and Karen persisted in the conversion of my interest only portfolio loans with BOM to P&I and answered any queries along the way. I knew I was in good hands with them. Thanks

12 October 2019  


Sally Richards and Karen Smart were a tremendous help to my wife and I throughout the process of choosing an appropriate home loan.

They were always available via phone and email, and were very patient in explaining every step of the process, including the documentation required for pre-approval and the forms that had to be filled out to finalise the loan after we had purchased a property at auction.

Without Sally and Karen's assistance, we would still be searching for our dream home!

Kind regards,

08 October 2019  


03 October 2019  


Sally Richards was amazingly helpful and genuinely very friendly and Understood my position and wanted to see me achieve the best outcome. I thank her for her outstanding assistance.

28 August 2019  


I have left many reviews for Sally (and now Karen) over the years.
I wish I had more friends or family looking for a home loan or such things as I would recommend Sally to all of them.
The biggest thing I have gained over the years of working with Sally is trust.
While the home loan industry is ever changing and so confusing, I know I can trust Sally to help guide our decisions and get the best outcomes for our situation.
Could not be happier!

18 August 2019  


Very friendly, responsive, professional and helpful. Very impressed. Will recommend to friends.

06 August 2019  


Sally and Karen were so helpful in every aspect of the process. We would have been lost without them!

29 July 2019  


19 July 2019  


Karen was always contactable, keeping us informed throughout the loan process. She took care and made it so easy for us.
The added touch of sending a thank you hamper was above and beyond.
Highly recommend her and Sally

13 July 2019  


Sally is quick to respond explains all elements clearly and works as quickly as the banks will allow
Thanks Sally

01 June 2019  


Sally is the third mortgage broker I have dealt with and I was so impressed by her level of knowledge, ability to explain things to me and answer my questions. She also seems to operate more ethically than other brokers I have dealt with. I have and will continue to recommend her to friends.

14 May 2019  


26 April 2019  


23 April 2019  


Sally is a consulate professional and always fantastic and reliable to deal with, couldn’t recommend her strongly enough.

23 April 2019  


In a time when brokers are in the headlines, Sally proved the value a good broker can bring to the table. We were buying a unique property before we had sold our own which was always going to be challenging but with Sally’s help we were able to make it all line up and now we are enjoying our piece of paradise.

08 April 2019  


Sally took the time to understand my needs, and demystified the mortgage process - allowing me to make informed decisions about my options. She and her team were responsive and when settlement began with a gap in notifications from a third party, they went above and beyond to ensure the work was completed in time. I'm grateful for their expertise and assistance.

02 April 2019  


02 April 2019  


Sally is so knowledgeable in everything to do with the banks, the loans, real estate, and finance. For almost 8 years we have called on Sally with our questions and it has been comforting to know she is someone who knows what she is talking about, and that we can trust!

06 February 2019  


Karen was a pleasure to work with right from the beginning. She put us at ease, gave us the confidence in her and the available solutions that could work for us. We were always informed of what was happening/what was required every step of the process. Karen also 'surprised' us in a good way by way of discussing long term options beyond just the initial refinance being done. We appreciated that we were entering into a long term relationship, not just a one off transaction.

17 December 2018  


13 December 2018  


At a time when banks are belatedly and appropriately being stricter with home loans, it is very important to have someone on your side to advise and navigate through the changing conditions. I'm confident Sally Richards got us the best deal available, which also was the loan we needed. Before, during and after the process of buying our house, having Sally and Smartline in our corner made the whole process faster, more efficient, less stressful and more successful. I can't recommend Sally more highly.

09 December 2018  


My experience was excellent. Sally was very informative and kept me updated during the loan process. I found both Sally and Karen to be very helpful, supportive and available. Thank you.

26 November 2018  


In a time when brokers are in the headlines, Sally proved the value a good broker can bring to the table. We were buying a unique property before we had sold our own which was always going to be challenging but with Sally’s help we were able to make it all line up and now we are enjoying our piece of paradise.

01 November 2018  


03 October 2018  


I was particularly impressed that Karen was right on top of the interest rate increase on the first day of my loan, and took it upon herself to advocate for me and get a great outcome for me. Having spoken to other people since then who did not received such personal service, I am very grateful for Karen's support. Thanks!

25 September 2018  


Sally is completely professional and makes home financing easy!

25 September 2018  


Thank you very much!!

02 September 2018  


Fantastic! Thanks so much.

19 August 2018  


29 July 2018  


Both Sally and Karen were most helpful on all issues. They quickly had or obtained answers to all our questions. They are obviously well connected to a great bunch of people who support each other to make sure the process went as smoothly as possible for us.

12 July 2018  


06 July 2018  


18 June 2018  


Thank you Sally and Karen for the excellent service!

27 May 2018  


17 April 2018  


04 April 2018  


23 March 2018  


Sally is so knowledgeable in everything to do with the banks, the loans, real estate, and finance. For almost 8 years we have called on Sally with our questions and it has been comforting to know she is someone who knows what she is talking about, and that we can trust!

23 March 2018  


11 March 2018  


13 February 2018  


12 February 2018  


29 January 2018  


Sally was absolutely amazing every step of the way and I could not recommend her highly enough. Thanks to her our first home buying experience went incredibly smoothly!

From the minute we met her Sally was a wealth of knowledge who truly went above and beyond in helping us. She met with us on a Friday night, pushed a bank to get us the preapproval for a loan in time for an auction in a hurry, answered every one of my questions no matter how silly all while being just so nice. I never once doubted that she had our best interests at heart and I have extreme confidence that she got us an amazing deal. Home buying is not the easiest process and we honestly felt like we had discovered a secret weapon with Sally by our side.

02 January 2018  


18 December 2017  


Sally is by far the best broker we've ever had!
Her in-depth understanding, knowledge & experience, her steller work-ethic and responsiveness, plus her strong network across the industry make her an absolutely INVALUABLE ASSET to her customers (such as us) and the organization she represents - Smartline.

Not only did Sally support us, she also jumped in and supported the buyer of our property (who's broker was struggling - giving us an even greater appreciation for Sally's unique skills)

We recommend Smartline and Sally's SUPERB SERVICE to all our friends and family members.

PS: we nominate Sally for a promotion/a bonus please

26 November 2017  


Sally did some very quick work at short notice for us to find a new lender after we ran in to some issues with the first - this allowed settlement to go Ahead as planned and we are extremely pleased with the result - thanks Sally!

15 November 2017  


Thank you again Sally. We've now known you for about seven years and various transactions. You are always very responsive, proactive and we always know you are just so on top of everything. You are helpful in answering all of our questions, have great attention to detail and giving some great advice throughout the property process. I never hesitate in recommending you to others. Thanks again.
(If this quote is being used for marketing purposes, I only consent to my first name only being used)

01 November 2017  


Sally was great and also provide a great handover as she headed off on much deserved leave. Diane has also been fabulous! Thank you :)

05 October 2017  


Sally was recommended to me from another satisfied customer who raved about her service and I couldn't agree more. Sally was informative, knowledgeable, readily available and extremely patient as she guided me through the first-time mortgage process. With so many options on the market and so many considerations to bear in mind, it was reassuring to know that Sally was willing and able to give me advice and support throughout the process to help me to make informed decisions that hopefully will continue to benefit me for the years ahead. Thanks again Sally - it was much appreciated.

20 September 2017  


Sally walked us through the whole process in a professional, caring and supportive way which made our first home purchase feel so easy. We highly recommend her services.

18 September 2017  


Sally was very responsive and attentive to our questions and concerns. She did a great job liaising with the bank when they didn't follow through with what they were going to do and then following up with us again.

11 September 2017  


Great service from Sally. Should have made the call earlier as our new arrangement will save us a lot each month going forward.

13 August 2017  


After seeking out Sally due to a mediocre service from another broker (non-Smartline), we were delighted that Sally looked after us every step of the way, always responded promptly and gave us accurate and through information about our options. Highly recommended!

21 July 2017  


23 June 2017  


Sally has been simply fantastic - with both our mortgage negotiations. We don't make any property decisions without consulting Sally first. We trust Sally, and value her sound & objective advice - we believe she truly cares about us.

14 May 2017  


Sally was extremely helpful and very quick to respond even when she was on leave! She made us feel relaxed during the process.

29 April 2017  


A very friendly and professional. Service.

27 April 2017  


22 April 2017  


Sally was recommended to us by a friend. She was exceptional, effortlessly helped us with all the paperwork and guided us through what to me was a pretty foreign process. It was great having Sally's advice and support to buy our wonderful new home!

10 April 2017  


06 March 2017  


23 February 2017  


Sally was really helpful and patient with my questions every step of the way. From first contact to securing loan was a few years. My own experience of Sally, plus her reputation and what I kept hearing from others (family and friends) kept me going back to Sally even while being poached by iSelect etc. Couldn't be happier with the outcome and the process. If there was one tiny tweak that could be improved it would be to somehow have some written record in a central place of the numbers being thrown around at various points because I found it challenging to keep track of them in emails and in written notes (hence the 9). Even a google doc shared by broker and buyer - but a central place. Thanks so much for a truly great experience! Sally even sent us a little house warming gift. Much appreciated and lovely to be dealing with a kind hearted human being in the finance industry. Cheers, Drew

19 February 2017  


Sally is amazing! The best thing about her service and especially important to me as a first home buyer, is how she takes the time to explain each and every new thing so you fully understand exactly what is going on and each stage of the process.

08 February 2017  


16 January 2017  


As usual, Sally was easy to contact, responsive and excellent to deal with. Diane assisted with the loan as well and was also very good.

04 January 2017  


Sally was nothing short of amazing throughout the entire process.
She was available to answer all our questions (of which we had many) and was really invested in getting us the right loan, walking us through the process and ensuring we understood everything that needed to happen.
We felt comfortable and supported during a time when things can be quite stressful.
I wouldn't hesitate recommending her and the Smartline team, to my friends and family.

12 December 2016  


06 December 2016  


30 November 2016  


Very pleased with the service, connected with with related parties promptly and professionally, and responded well with flexibility when settlement timetable did not flow to plan.

20 November 2016  


Sally has provided us with services beyond our expectations along with great advice and referrals. We could not have done it without her.

03 November 2016  


Sally kept me informed right through the whole loan process, Sally was always available to answer my questions, came to my house to explain the loan process and to help me to fill out the forms, not only once but many times. Not only Sally gave me an excellent service but also she is a wonderful, understanding and helpful person. I will recommend Sally to every person that is looking for help in finding the right loan.

26 October 2016  


Sally provided A grade service throughout the process. I would be happy to recommend her to others.

18 October 2016  


This was the second (or perhaps third) time I've sought out Sally's assistance and expertise and the reason I keep going back to her is she is so wonderful. Extremely professional yet warm and personable. She is reliable, responsive, patient with questions, thinks flexibly and is committed to getting the best result. She is a credit to Smartline, and will always have my business.

08 October 2016  


Sally Richards was an absolute pleasure to work with. She was recommended to us and her professionalism I feel was second to none. My partner and I agree we were well advised from the very beginning in that we were able to purchase the best house possible, within our budget, as forecast by Sally. Furthermore, we are very happy with the finance product recommended to us at the time just prior to settlement. And thank you, Sally, for the lovely gift we received in the mail shortly after we moved in. A beautiful gesture.

01 October 2016  


Outstanding service. Initially recommended to us by a friend, visited our home on a public holiday and swiftly provided options and best solution to our financial needs.
Cannot recommend Sally high enough

20 September 2016  


07 September 2016  


Sally has been invaluable throughout the loan process for my husband and I. Couldn't speak more highly of her communication, responsiveness and advice.

03 September 2016  


Sally Richards explains all the details and background to the loan and have always been willing to meet us even at short notice. She has been a pillar of support.

23 July 2016  


We were recommended Sally by a family member. She was so helpful and friendly. This was the first property we bought so we didn't really know what we were doing, Sally made everything really easy to understand and walked us through the process step by step. We have already recommended her to friends who mentioned they were thinking of buying.

14 July 2016  


At first I was skeptical about using a mortgage broker and had never heard of Smartline before. However, we took a chance and it really paid off as Sally really walked us through the process and guided us through. She made sure we had the best options possible and was genuinely interested in saving us money and working in our interest.

13 July 2016  


Sally was fantastic, very helpful and professional.

08 July 2016  


Sally is just great

07 June 2016  


Sally was fantastic. None of my questions were too small or silly for her. Very prompt to call back when I contacted. I felt very secure.

06 June 2016  


04 June 2016  


03 June 2016  


02 June 2016  


SALLY is amazing. And I do already recommend her to my family & friends. She is diligent in her follow up, always takes the initiative to ensure that we are receiving the best rate & the best deal in market. WE LOVE HER. And we will be her customer for life (this is now my third loan through Sally & I'm confident it won't be my last)

30 May 2016  


Sally was incredibly helpful and we have recommended her to many of our friends. She has been an absolute delight to work with.

21 May 2016  


15 April 2016  


Outstanding service and advice,always contactable.Recommend to anyone.

05 April 2016  


The best Australian mortgage broker we have ever dealth with.

22 March 2016  


29 February 2016  


Sally was fabulous. It was my first home and she guided me through the process with care and support. She even sent me a welcome package at the end of it all. I'm so glad my best friend recommended her to me.

03 February 2016  


Sally was very attentive, able to answer my many questions and chased things up when the settlement was lagging, she was great .

21 January 2016  


Everything was really easy and Sally Solved a last minute little hickup with the paperwork without causing any anxiety for a first home owner

18 November 2015  


In our particular case, the purchase of our home was a long and complicated process which wouldn't have been possible without the assistance of Sally.
Sally was professional, friendly and very patient with my husband and I who were first home buyers. She responded promptly and was very reliable.
Sally came highly recommended to me and I completely understand why. My husband and I won't hesitate to recommend Sally to anyone who enquires. Overall our experience with Smartline has been most pleasant.

02 November 2015  


Sally provided fantastic service - she was knowledgeable, prompt and reliable and we couldn't recommend her highly enough.

19 October 2015  


Sally was as attaentive and proactive as she always is. She takes a peronal genuine interest in our property dealings and makes sure that we always have the best options available to us for our mortgage products. She presented sevral scenarios and options for us and visited us at home to present these options on this most recent purchase in a time when interest rates and bank leading practices were changing rapiidly. We have recommneded and introduced Sally to friends whom have used her for their mortgage servics and they have been equally happy with her service. It is important that Sally treats all clients the same level of peronal service and professional detail.

09 October 2015  


Thanks Sally!

07 October 2015  


Sally went above and beyond to help us secure our loan. No question was too small. We cant wait to recommend her to our friends and family as she made our borrowing experience a breeze. Thanks again Sally!

23 September 2015  


Sally explained elements of the process in simple terms that made sense, gave us realistic advice and was prompt and detailed in her responses to queries.
She was also very flexible in arranging to meet us at our place.

21 September 2015  


Sally was just great! She clearly talked me through the options and process to refinance my mortgage and extend my line of credit to purchase a new car. Sally was professional, approachable and always available to answer every question and made this a simple and easy process. Thank you

03 September 2015  


Sally was very persistent which was much appreciated

31 August 2015  


27 August 2015  


This is the second time Sally has assisted me with a new mortgage or a change to an existing mortgage. Her knowledge and professionalism combined with her warmth and friendliness has meant both experiences have been trouble free and resulted in the best outcomes for me. I can't recommend her highly enough.

12 August 2015  


Sally was terrific and went above and beyond the line of duty!

10 August 2015  


06 August 2015  


07 July 2015  


Excellent level of service - yours was professional and responsive, while other mortgage brokers I checked with initially the response was ... a bit weird. well done.

30 June 2015  


29 June 2015  


Would like to thank Sally for her wonderful service expertly guiding us and making what could have been complicated and confusing seem simple and effortless on our behalf. Sally is always available and accommodating, going above and beyond what I would have expected.

10 June 2015  


Sally was patient and took us through the whole loan process from start to finish. She kept us as a prospective client when I first contacted when we we're looking for a property a year ago by keeping us updated with key information on the property market. When we settled she went above and beyond to send us a care-package to congratulate us on our home purchase. We would recommend her and Smartline to other friends and colleagues.

04 June 2015  


27 May 2015  


Sally goes above and beyond to not just find a suitable loan but also provide invaluable advice. She is very professional and thorough which is why I have continued to use her services over the past 2 years.

21 May 2015  


Sally was fantastic. She was very patient and explained the process so it was easy to understand. I'd definitely contact Sally for future house purchases.

07 May 2015  


Sally is just wonderful! Not only is knowledgeable about the products & the industry, she is helpful, reliable, and is always a pleasure to communicate with. I recommend Sally to all my friends, family & colleagues who have loan requirements. Ilsa

23 April 2015  


23 April 2015  


13 April 2015  


My second time using the help of Sally and yet again she is amazing! We asked her to re calculate our numbers at least 15 times and it was no worry at all! She also kept in contact over the Xmas holidays while our loan was being set up. Her knowledge of all the banks and types of home loans is invaluable. I only wish I knew more people who needed a new home loan, so I could recommend they call Sally!

04 March 2015  


Sally was friendly and professional throughout and I would recommend her to friends.

27 February 2015  


It was confusing that right at the end of the process my account seemed to be transferred to another adviser. Would have been good if there was some explanation on why that occurred (or if that was even the case).

08 February 2015  


02 February 2015  


Sally is fantastic! Warm, professional and conscientious. A friend recommended her to me and I will be doing the same to others! Thanks again Sally for making what seemed to be a drawn out and impossible situation seem so easy.

27 January 2015  


10 January 2015  


Just like to say thank you to Sally for her patience in the long search for the right house.

05 January 2015  


Once again Sally has provided a fantastic level of service. Well done!

05 January 2015  


Sally was fantastic! She was patient and comprehensive when explaining the complicated process. Sally was always available when I called and knowledgeable when I asked questions. Thank you Sally

26 December 2014  


There were some issues from ING's side in changing the loan but Sally was brilliant and very patient with us when we had any issues. I would strongly recommend Sally to anyone

05 December 2014  


Great service!

16 November 2014  


Sally was very helpful in arranging a new lender and facilitating the transfer of my investment loans. Sally took on all the hard work particularly around settlement and made the process very easy for me. I've already recommended Sally to friends wanting help with financing.

06 November 2014  


Sally was very personable, knowledgeable and always quick to respond to any questions we had. I felt very confident in her expertise and it was great to have her support as we navigated through the sometimes confusing process of a home loan. Would not hesitate to recommend her to anyone.

22 October 2014  


18 October 2014  


Sally was fantastic. Extremely contactable and well informed. Gave me all the possible scenarios in great detail and adviced me on the best option. Would strongly recommend her to anyone needing financial advice.

24 September 2014  


Sally Richards has provided a second to none service to me 3 times over the last 10 years. I would highly recommend her.

22 September 2014  


05 September 2014  


Professional and helpful for busy people. Thank you Sally!

25 August 2014  


The help I received from Sally from start to end was beyond outstanding. Sally took care of the entire process for me which took a lot of stress from my shoulders. Having someone guide me through the process left me feeling very confident with my financial decisions. I've now secured a 2nd investment property at a young age of 24 and couldn't have done it without her!

05 August 2014  


Sally has now been my mortgage adviser for over 4 years. We are now selling our apartment and buying a house and Sally has yet again been invaluable. I often bombard her with questions and her replies are so comprehensive and helpful, I could not be happier. I do not know how I would get through this housing/finance battlefield without her help!

28 July 2014  


Extremely helpful with all aspects of the service, very approachable, and in a friendly manner - THANKS...

18 July 2014  


Add the services of a settlement agency - this would make the process seamless.

09 July 2014  


Sally was excellent. Helpful, efficient and honest. She made simple a complicated process. Thanks.

28 June 2014  


Great personal service fully explained to me,

29 May 2014  


16 May 2014  


16 May 2014  


12 May 2014  


10 May 2014  


As a first time buyer, Sally's help was great. She explained everything, was very flexible and I always felt well looked after.

08 May 2014  


I have already recommended Sally to a number of family members and friends - her services absolutely exceeded my expectations (although I am not surprised, having had Sally referred to me by a friend who was also very happy).

11 March 2014  


Best thing I have ever done!

10 March 2014  


14 February 2014  


09 February 2014  


15 January 2014  


We have had an excellent experience with Sally and Diane, their perserverence enabled our settlement to get through in a record 23 days before Christmas - we really appreciate their help and advice.

09 January 2014  


19 December 2013  


27 November 2013  


04 November 2013  


This is the second time Sally has helped me with lending. Sally has been very helpful and responsive. Together with Diane Webester, Sally made the whole process of establishing the loan facility easy and hassle-free. I have already recommended Sally to my friends and will continue to do so. Thanks!

12 September 2013  


Sally was professional, reassuring through the process, responded quickly to requests for information and had an excellent knowledge of the products she was recommending for my needs.

15 August 2013  


Sally had access to thorough research which she shared in an easy to understand way. I felt very well informed and happy with the choices available. Thank you for this high level of service, no stress or bother, great result.

04 August 2013  


21 June 2013  


Sally and the Smartline team were an absolute pleasure to do business with! From our first meeting to discuss options, review my personal financial situation, to keeping me updated throught my settlement period until my refinancing loan was finalised. I have already recommended Sally to my friends and family, and will be using Sally & Samrt Line gain for my next financing. Ilsa

17 June 2013  


10 April 2013  


10 April 2013  


Sally was one of the most professional, friendly and efficient people I've ever had the pleasure of dealing with. I will continue to recommend her to any of my friends who are seeking a home loan. She is a real asset to your organisation and deserves great recognition.

06 April 2013  


15 March 2013  


Sally has been looking after us for several years and is always proactive in her service. I have recommended her to two of my friends who have used her services also. She is always approachable, replies to any queries we might have in a very timely manner, and contacted us when better rates where available at other Financial Institutions, enabling us to make the decision to change banks and thus save money. Couldn't rate her highly enough.

08 January 2013  


Sally was extremely helpful finding us the right loan and very friendly. We could not have been happier with Sally and the service she gave and the loan she organised.

28 September 2012  


I thought Sally was very professional, always available to answer questions and provide follow up in matters. I valued her service so much I didn't hesitate to recommend her to a friend, and will continue to do so. It was great having someone make the process so easy.

24 August 2012  


Sally was very helpful in identifying a lender that could re-finance my investment loans at a highly competitive rate. Sally also personally engaged with the bank executives to secure their commitment to continuing competitive rates.

10 August 2012  


09 August 2012  


28 July 2012  


Not for the website use: we found Sally once again to be extremely professional, prompt and informative in her replies and prepared to work with us in non-standard circumstances (with us only having returned to the country within the last 9 months). She is an outstanding asset to your organization.

19 July 2012  


29 June 2012  


Sally was an outstanding adviser, and very customer focussed in her approach throughout the process from application to settlement. Settlement and application could be a stressful experience, as recounted by family and friends. However, not with Smartline. Strongly recommend Smartline to people I know.

18 June 2012  


This is the second time I have used Sally's services and she has been absolutely terrific. She is professional, prompt and very helpful at explaining the ins and outs of each loan so making a decision was very straighforward. I have recommended Sally to friends before and will recommend her again.

07 May 2012  


Sally was great - friendly, flexible, patient, clear. Would be happy to recommend her to friends - just as she was reccomended to me by a ftriend.

03 May 2012  


Sally has helped us a number of times with our borrowing needs and has negated the need for us to deal directly with the banks. Everything always goes smoothly and we are grateful for the responsive service. We have recommended Sally in the past and will continue to do so when the opportunity presents itself.

01 May 2012  


Sally was terrific! She was extremely helpful and made the whole process simple to understand and stress free. I would recommend her to anyone. Thanks for the great service.

30 April 2012  


Sally was fantastic - always contacatable and really helpful.

30 March 2012  


17 March 2012  


Sally was great and really helpful. We took a long tie to work out what we were doing and how we were going to do our new house ove and she was really patient and helpful in providing all the data we needed and answering all our questions.

08 February 2012  


Sally was fantastic! As this was our first home and had only a 30 day settlement, she explained thoroughly all aspects of the loans available, helped us choose the most appropriate loan for us and was in contact with us throughout to ensure that everything went through smoothly. She made the whole process quite painless and answered all the "silly" questions we had. She was recommended to me by a friend and I have already recommended her to others. Thanks.

17 January 2012  


Sally was absolutely fantastic, as always, and we can't thank her enough for all the work she did for us.

12 January 2012  


Sally always made us feel that she was very available to our needs, and answered all queries promptly and was more than happy to assist with our forms and visit our home after hours. We were referred to a colleague while Sally was away and we felt supported through the entire process. Sally was professional and we felt confident in her advice. We have ended up with our first property and getting there was made less stressful due to Sally's support.

10 October 2011  


Sally went above and beyond our high expectations. We would highly recommend her services to anyone interested in a loan.

28 September 2011  


11 August 2011  


05 August 2011  


17 July 2011  


This is the third loan Sally has done for my family. Sound advice, easy to talk to and she listens to your needs

25 June 2011  



20 June 2011  


What I liked most - wonderful manner, professionalism, responsiveness, reliability and produced the result!

20 June 2011  


Sally was extremely friendly, approachable and prompt in helping me with my finances during the stressful time of buying and selling a home

03 June 2011  


31 May 2011  


Sally was terrific. In future I wouldn't bother looking anywhere else and I have already recommended her to an intending homebuyer.

23 May 2011  


The best service I've ever received anywhere (I'm including North America, UK, Hong Kong) for any service I've ever purchased.

12 April 2011  


20 March 2011  


21 January 2011  


04 January 2011  


Sally was fantastic for me. She stayed with me over more than a year and was always there to answer my questions as I was often stressed over this big move in my life!

25 December 2010  


We have nothing but praise for the way Sally managed our loan application and approval. Fantastic

22 December 2010  


02 December 2010  


This is the 2nd time I have used Sally, and I have referred her to many friends and colleagues. Great service from someone trust worthy.

02 December 2010  


24 November 2010  


We found Sally Richards to be very professional and she met all our expectations.

11 November 2010  


Sally has been very prompt with responses and has kept us informed throughout the whole process. I would highly recommend Sally to anyone looking for a home loan.

25 October 2010  


Sally is an absolute gem. We couldn't imagine better service. Thankyou so much Sally.

12 October 2010  


28 September 2010  


Sally is great

16 September 2010  


Sally's efficiency and professionalism made this our simplest purchase ever. She was very approachable and readily contactable, returning our calls within minutes, and she went beyond the call of duty on one occasion to call us out of hours to confirm our loan had been approved. Very impressive.

16 August 2010  


19 July 2010  


Sally is always a great help

25 June 2010  


Sally was fantastic. As first time morgagees, we were really nervous but Sally was BRILLIANT! I honestly have not experienced the level of service provided by ANYONE! Sally knew we had a tight deadline and was so helpful, even after hours or on weekends!It was an absolute pleasure to work with her! She is such an asset to your organisation, you should be very proud of the work she does.

20 May 2010  


13 May 2010  


05 May 2010  


28 April 2010  


16 April 2010  


I am exceptionally happy with the service that Sally has provided to me, not just on this occassion, but throughout all my past dealings with her. I will continue to recommend her services to friends and family as i think she epitomises customer service.

12 April 2010  


02 March 2010  


This is the third time I have dealt with Sally on what is an anxious time in one's life. As always Sally's professionalism, knowledge and committment to her field and clientle are second to none and I will continue to recommend her services to all! Thanks again Sally.

29 January 2010  


21 December 2009  


Great service, highly professional.

14 December 2009  


Sally was a great help - even our conveyancer went out of her way to tell us how impressed she was with Sally (and ritghtly so).

30 October 2009  


18 August 2009  


I don't think I could add anything! Sally is fantastic and makes the whole process so simple!

23 July 2009  

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