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Sam Coulam


Average client rating
4.9/5 From 172 Reviews

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I have worked with sam on 3 occasions, he is extremely knowledgeable and provides honest feedback and advice. He is genuine and helpful. Highly recommend.

29 April 2024  


Sam was great in getting the right solution for us.

27 March 2023  


Sam was great and his industry experience and knowledge helped to get the best deal for us.

25 December 2022  


Sam Coulam was great to deal with. His industry experience and knowledge helped us to get the best deal and Sam went out of his way to help us. We cannot recommend Sam highly enough.

25 December 2022  


13 November 2022  


Was patient worked well with Us and We as a Family of five never thought We would qualify.
We as a Family have restored faith that there are still good People.
Thank You Smartline Team.

31 October 2022  


Grant Egan is professional and prompt...

25 October 2022  


Our advisor always was on point and took our calls any time of the day. Great effort and pleased.

12 October 2022  


Sam was great to deal with and always across external developments/factors on achieving the best loan result.

29 August 2022  


We always find that Smartline find us a loan that is the best fit for the situation. We have used them for over 15 years for multiple new loans and refinancing options.

17 July 2022  


27 May 2022  


Sam was brilliant. Kept my updated on the process, provided clear direction on what was required and was very accommodating to all factors and timeframes. I would use Smartline again and thank Sam for all this hard work!

27 April 2022  


Sam is 100% the reason we were able to buy our new home. After being recommended him from my uncle, he was more than happy to answer all my questions on the loan and the process of purchasing a home.

29 March 2022  


Sam was excellent and guided us through the complicated process of refinancing our home loan. He was very knowledgeable, friendly and professional and we would highly recommend him to everyone.

01 March 2022  


Another great experience with Sam Coulam and as always came through with the goods.

23 February 2022  


Sam was fantastic to speak with and very helpful every step of the way.

08 February 2022  


19 December 2021  


My broker was really helpful and patient in guiding me through my first home loan and through the many bumps along the road.

13 December 2021  


Have know Sam for many year and he is great! Have worked with him before and will do so again.

05 December 2021  


My broker was really helpful and patient in guiding me through my first home loan and through the many bumps along the road.

18 November 2021  


My broker was really helpful and patient in guiding me through my first home loan and through the many bumps along the road.

18 November 2021  


Sam did a great job helping me through what was a very stressful process buying my dream home. His persistence and relationships with the banks, and patience with me, helped us get the loan over the line. Very grateful to Sam indeed.

05 October 2021  


Sam Coulam went over and above to help anyway he could throughout the entire process. Very highly recommended.

28 September 2021  


Grant was absolutely fantastic to deal with, always available and great advice, no misleading information, we knew exactly what was going on all the time, and what was needed of us, great advice, fantastic service

19 September 2021  


Sam was amazing, comprehensive analysis of our needs, depth of experience and knowledge and always available. We arrived on the perfect product for us and our needs. Couldn't recommend Sam highly enough, the experience was breath of fresh air.

09 September 2021  


GRant was a great advisor to deal with, he was always contactable and very helpful in providing information and updates on the loan process. I would highly recommend him as a mortgage adviser to anyone.

13 July 2021  


Sam Coulam is an exceptional mortgage broker. Whilst it was a long process Sam kept us informed and was always available 7 days a week if we had queries or needed documents witnessed. Great service.

17 June 2021  


Sam Coulam is an exceptional mortgage broker. Whilst it was a long process Sam kept us informed and was always available 7 days a week if we had queries or needed documents witnessed. Great service.

17 June 2021  


14 June 2021  


Sam is always available and takes all the leg work out of changing banks.

12 June 2021  


Great, knowledgeable and personable experience- thanks Sam!

26 May 2021  


Sam was fantastic. I felt like he had my back throughout the journey.

24 May 2021  


21 April 2021  


Could not be happier with the service from Sam. Over what felt like an eternity we had a few issues with some lenders, but Sam was always very supportive and very helpful.

24 March 2021  


Sam is amazing at his job I have used Sam on many times over the 30 years of my life and he has never let me down

24 March 2021  


Sam was A+, a few of my fiends have had major dramas with their mortgage broker and I have put Sam’s name forward. I could not recommend him more to someone looking for a home loan. Contactable at all hours and quick/helpful responses for first home

18 March 2021  


16 March 2021  


Sam was excellent - always very responsive, obviously put a lot of effort and time into our mortgage requirements.

13 February 2021  


Sam was brilliant this time and the last time we used him. I will consult him in further purchases and recommend to anyone looking for a broker. Thanks Sam!

01 February 2021  


24 January 2021  


Sam Coulam is hands down Mortgage broker of the year! - Adversity does not build character, it reveals it.

22 December 2020  


Grant was super helpful and had great knowledge around our requirements.

06 December 2020  


My recent experience with Grant from Smarline was fantastic. From the outset communication was very easy and Grant spent lots of time explaining the process and requirements needed to obtain my Loan. Highly recommend Grant to anyone needing advice.

08 November 2020  


Was really happy with Sam's professionalism, caring and considering nature. Always kept us informed and explained everything clearly. Would highly recommended.

24 October 2020  


20 October 2020  


Dealing with Sam was excellent. He made the process as easy as possible and kept me informed throughout. I will continue to use Smartline in the future and recommend them to anyone looking for advice on refinancing.

16 October 2020  


We have worked with Sam for a long time and always found his advice 'on the money' and holistic of our financial needs. He has always advocated for us when processes need some prompting along and kept us fully informed.

Michael & Bec Dorman

16 September 2020  


15 September 2020  


Grant and the team at Smartline put us at ease thought out the whole process. Grant kept us constantly informed and was always available if we had questions. We wouldn’t hesitate to recommend Grant and the team at Smartline.

09 September 2020  


07 September 2020  


I love recommending Sam with confidence. 6 happy borrowers so far from my recommending and he is working on 2 more . His responses to emails are prompt and at rediculous hours that prove he lives and breaths his work. Gives me Loads confidence

04 September 2020  


This is our second time around with Sam and he was amazing both times. Prompt replies and simple to follow instructions made the decision a very easy one for us. Thanks again Sam

26 August 2020  


13 August 2020  


07 February 2020  


Sam worked around the clock for me even when on holiday. Grant was also very helpful throughout the home purchase.
I will use Sam again.

29 January 2020  


Exceeded all expectations.

08 January 2020  


07 January 2020  


We've been with Sam since he worked for CUA and have recommended him to friends, family and work colleagues. He did a great job getting us a great rate and saving us money.

18 December 2019  


14 November 2019  


06 November 2019  


Sam was excellent to work with. Very happy!

27 August 2019  


Sam was exemplary in his customer service, attention to detail and industry knowledge. He listened and understood our every need and request and worked tirelessly and continuously exceeding our expectations, to produce nothing short of a miracle and a milestone for us, given our circumstances. Cannot recommend more highly. Thank you Smartline!

25 July 2019  


My experience - asked for help to refinance existing loans and finance another investment property. Could only be improved if he had a crystal ball to foretell the election result and the current reductions in interest rates. Still a happy customer.

22 July 2019  


My family use Sam for our home loans and always will. That pretty much says it all really.

17 July 2019  


Sam was able to navigate various challenges for my partner and myself always with great professionalism and care. I'm extremely appreciative of all his help and support and will happily recommend him to anyone. Sam went above and beyond, immediately made us feel at ease and is an all-around lovely human being :)

17 July 2019  


01 April 2019  


29 March 2019  


Sam has been absolutely brilliant in every aspect, and we can't thank him enough for his assistance in arranging our mortgage and making our dream of a new home a reality.

08 March 2019  


We had some perhaps overly optimistic timelines given to us which were pushed to the max by the delays with the bank which was stressful however advice on pushing back on our developer meant that in the end we did not incur any penalty fees for the settlement delay which was a great relief.

15 January 2019  


Sam was a great help but at times was very cryptic and obtuse in his e-mail responses which made them difficult to understand.

06 December 2018  


From the starting point I communicated with Sam, I feel a different positive experience that he will be the key factor in getting my home loan approved. He is very knowledgeable and hands on to all of the process. He always provide updates at all times. I've been through various brokers, but the experience I had with Sam was beyond my expectations. Without him I think my loan will not be approved. Thanks a million Sam! and surely I will recommend you to my circle of friends who may be needing a broker.

20 November 2018  


Sam worked tirelessly to get the right outcome in some pretty tough conditions. He doesn't give up and really takes a vested interest in getting the right result. It's nice to work with someone that actually cares about getting a solution which is truly client centric.

14 November 2018  


Sam has taken care of us at every step. He knew the market and sourced the best solution to help us make the right choices. I felt completely at ease at every turn. First class service with responsive friendly approach. Thanks so much. I would highly recommend Sam and already have.

30 October 2018  


Sam was great

19 October 2018  


08 August 2018  


Sam Coulson has been an absolutely awesome mortgage broker. Couldn’t recommend him more highly.

08 August 2018  


Sam Coulam was professional and very pleasant from start to finish. He was very helpful and always patient with our concerns. We would recommend Sam to any of our friends who were thinking of doing the same thing as us.

16 June 2018  


02 June 2018  


24 April 2018  


21 April 2018  


30 March 2018  


13 March 2018  


Sam Coulson has been an absolutely awesome mortgage broker. Couldn’t recommend him more highly.

22 December 2017  


26 November 2017  


Excellent customer service great result

26 October 2017  


17 October 2017  


I will be forever grateful to Sam for getting my seamingly impossible home loan over the line. My very unique situation had pushed me into a corner with 5 lenders auto declining me. I had given up on my previous broker and thought 1 last try with Sam. After a lot of time, perseverance and effort we managed to get it done. I would like to class Sam as a friend for life.

03 October 2017  


This is the second time I have used Sam Coulam. He is knowledgable, personable and gives great advice.
Everyone should have the confidence in their broker that I have in Sam. My experience was stress free and glitch free.

20 September 2017  


Sam Coulam is an expert in what he does. He has helped us arrange our finances for many years now and I would highly recommend him to anyone. Thanks again Sam

11 August 2017  


Grant was absolutely fantastic, because of our ages and being self employed he excelled where as the big banks told us we were to much of a risk to take on a mortgage with them. Grant was able to find us the right lender and as the house we chose was not typically conventional - rural residential without all the services - he had to work twice as hard again to find a lender for this type of property. Kudos to Grant, no such thing as a \"To Hard Basket\" on his desk. I would definitely recommend Smartline (Grant and Sam) to family, friends and associates.
Angela Cannon

10 August 2017  


08 August 2017  


03 July 2017  


As always Sam came through with the goods under some challenging circumstances this time.
Well done again, its going to be hard to divorce this guy.

27 April 2017  


Sam has always treated me as a friend first and a client second. He gives clear timely comparisons of major and minor lenders and assists me to get the best deal to keep my borrowing costs low. He always returns calls messages and emails. But he doesn\'t let me beat him in tennis.

21 March 2017  


Sam went above and beyond for us would recommend Sam to anyone.

24 February 2017  


Sam was very helpful and always made him self available. I have passed on his number to a friend of mine, I believe Sam is looking after her and her partner.

10 February 2017  


Brilliant service helped me above and beyond any other lender. I\'d recommend Smartline as the loan provider service of choice

07 February 2017  


Have already encouraged others to use Sam as their broker. I really appreciate Sam\'s integrity and support throughout all my loan dealings with him.

He is a pleasure to do business with!

16 December 2016  


Sam continues to be an effective partner for us by ensuring we have access to the most competitive rates within the context of finding the best match between financial providers and our financial goals.

07 December 2016  


23 October 2016  


Sam was so helpful with regards to any queries/problems. Will advise anyone to speak to him with regards to obtaining a loan.

08 October 2016  


Sam was fantastic and I have already recommended Sam , Thanks again Sam

16 September 2016  


Sam went out of his way to establish my loan. He is the ultimate professional. I would recommend Sam to anyone looking for a home loan.

13 September 2016  


Always happy with the service from Sam.
Just recommended him to a work colleague.

18 August 2016  


I\'d like to thank Grant for going out of his way in all areas to assist me in my change of home loan. Grant followed up on every query I had and always communicated with me in professional manner. I would strongly recommend Smartline to friends.

07 July 2016  


I find Sam easy to work with. He\'s always looking for the best outcome for the client.

16 June 2016  


09 June 2016  


30 March 2016  


Sam made the whole process very easy.

12 February 2016  


Sam is one of the most obliging people you could ever wish to meet. Great Support, Great Bloke.

13 January 2016  


Knowledgeable, helpful and always available/ quickly returned calls.

10 October 2015  


Sam has helped us on a number of occasions and has always gone out of his way to ensure we have the most up-to-date information to make informed decisions. He is the best!

09 September 2015  


Sam was a great to deal with, he got us everything we needed.

25 August 2015  


Sam's knowledge and advice was invaluable to us throughout the refinancing of our home loan. We will definitely be calling him again when our fixed term is up.

24 August 2015  


18 July 2015  


Sam provided great service and I would definitely use him again

09 July 2015  


Grant gave outstanding customer service, all the stress was taken out of it for us and we are now saving in excess of $10k a year. Would certainly recommend.

30 June 2015  


Sam has always offered excellent service
so consequently I recommended Sam to assist
my brother for his home loan. We are both extremely grateful for all the
assistance Sam provided.

23 June 2015  


I was more than happy with our Smartline Mortgage Adviser. Sam was very helpful, efficient, and kept me informed every step of the way, providing a happy amd stress free outcome. I would recommend Smartline to anyone seekimg a good Mortage Adviser.

12 June 2015  


He has been of tremendous support and his advice has been very sound and much appreciated.

05 May 2015  


We found Sam to be extremely knowledgeable and helpful in assisting us to pick a home loan that was right for our needs. We didn't feel pressured into accepting anything and were able to make the choice in our own time. Sam was also very flexible with meeting us and having him come to our home saved us a lot of running around. I would not hesitate to recommend Sam to my family and friends, or anyone for that matter!

05 May 2015  


We appreciate the advice that Sam gave us and the hard work he did for us.

25 March 2015  


Sam is a champion, whenever we need mortgages we'll be going to him for his advice.

19 March 2015  


10 March 2015  


Sam was excellent! He kept me sane whilst the bank was doing everything in their power to drive me insane.

06 March 2015  


16 February 2015  


12 February 2015  


I very rarely rate a service at a level 10. Sam is a pleasure to work with and makes a great deal of effort to ensure that my wife and I are aware of all of the options. Once the options have been discussed, Sam makes sure that the choice we make is a mutually acceptable and a beneficial outcome. This approach gives my wife and I a great deal of confidence in our mortgage solution.

16 January 2015  


Sam was very helpful, patient and talked in basic language that I was able to understand. Always available to answer any questions!

23 December 2014  


I am extremely grateful to Grant for guiding me through the process of refinancing my home loan. Grant completely demystified many things I didn't quite understand and was able to present me with a variety of options to suit my situation. He was available at any time day or night to clarify anything I needed and I was extremely happy with the entire process.

10 November 2014  


Grant has been very knowledgeable about the different products currently being offered by the Lenders. He is always contactable and very quick to respond to any of our questions. We would certainly, (and have already), recommended
him to family and friends. So far our dealings with Smartline has been a very positive experience for us. Maria Rooney

09 October 2014  


13 September 2014  


Hi Smartline, I would like to make the point that Sam Coulam from your Brisbane branch has made my journey to property ownership a very enjoyable experience. Without his hardwork and fantastic customer service skills I would have struggled big time. When the opportunity comes I will definitely be going back to Sam and will definitely refer him to friends/family. Thankyou very much Smartline and Sam Coulam, my experience has been fantastic. Josh

08 September 2014  


Sam has done a great job.

05 September 2014  


I would not hesitate to recommend Smartline. I found Sam Coulam extremely helpful.

21 August 2014  


We did have problems with both banks as we were refinancing , a loan and changing existing loans. But Sam sorted out all the problems in the end.

20 August 2014  


18 August 2014  


Unfortunately a valuation stopped us from getting the ideal home loan/package. But that was no fault of Sams. He went above and beyond his duties by visiting us at anytime that suited and rarely did he not answer the phone. Cant speak highly enough of him

17 July 2014  


01 June 2014  


Sam was great. As a first home buyer, I was unfamiliar and somewhat confused with the range of products available and the process of buying a house. Sam very patiently explained everything for me and told me what to expect every step of the way. He helped me manage my expectations and minimised any concerns I had. I expected that buying a house would be a stressful endeavour - with Sams help, it was not. I would recommend Sam to anyone, h is affable, personable and he clearly knows his business. Thanks Sam - I love my new house.

17 May 2014  



16 May 2014  


16 May 2014  


Highly impressed by Sam's approach, and easy going professionalism. My refinancing was not a stock standard process, involving a title deed change and a BFA in a short space of time. Sam was very helpful, in offering advise, and assistance and going the extra mile ... always helpful and checking back with me. Highly recommend.

16 May 2014  


16 May 2014  


Sam set up most of our loan by email, from Brisbane, whilst my wife Lorraine and I, were still in Phuket, Thailand. We completed the final business when we flew to Brisbane only days before settlement on the Property we purchased. Very happy,
Graeme W. Dunnage

16 May 2014  


16 May 2014  


16 May 2014  


Sam goes out of his way to help, too make it easy to get documents signed and save us all the running around.

10 May 2014  


Sam coulam was a great help to us, reliable and has made our life easier. Thanks.

07 May 2014  


I recommend Sam to all my friends and family.

05 April 2014  


01 April 2014  


Sam Coulam provided me with excellent service and advice in selecting my home loan. Sam was professional, knowledgeable and prompt at taking action whether it be to return a phone call, arrange pre-approval or provide detailed advice. Sam showed a genuine interest in finding the best loan and kept me informed of changes that might effect my decision as my home search continued. I would definitely recommend Sam to other home buyers!

06 March 2014  


Sam was able to confirm or correct the thoughts I was already having toward my refinance decisions. He was guiding without being persuasive and made the process quite painless. I will definitely continue to recommend Can Do Sam to friends and family.

05 March 2014  


Sam is honest, friendly and efficient adviser. I found him to be very thorough in explaining the various options I could choose from. I would recommend Sam to anyone.

03 March 2014  


02 January 2014  


05 December 2013  


Sam Coulam was a pleasure to work with & deserves to be recommended

20 November 2013  


Have dealt with SAm before and he has the goods.

26 October 2013  


Sam is very personable, loyal and keeps to his word. He made himself available 7 days a week.

17 October 2013  


Sam is very personable, loyal and keeps to his word. He made himself available 7 days a week.

17 October 2013  


30 August 2013  


Thanks to Sam and his team, their patience and strong industry relationships were invaluable in facitating our loan process.

05 August 2013  


From the first time we used Sam, we were very happy with his attention to detail and hard work. Have used Sam since for all our mortgage requirements.

30 July 2013  


07 July 2013  


Sam and I agreed that staying with CUA was the best option for me. However, CUA did not seem happy about me going through a broker, the reason being unknown to me. They did mention something about a commission, so the level of service I received from CUA was not as high as their usual service. I was more than happy dealing with Sam though. Regards, Robyn

26 June 2013  


18 June 2013  


22 January 2013  


21 December 2012  


Known Sam for a number of years now. Always ready to lend a hand and help us out with good advice.

14 December 2012  


Sam felt approachable and was able to explain and help me navigate a new world of loans and banks. He helped to reduce my stress with reassurance and regular communication.

12 December 2012  


Sam was fantastic and really helped us through a tough and complex deal. I have and always will use Sam as my broker and have and will recommend him to my friends and family

16 November 2012  


Sam Coulam is a great representative for Smartline. Nothing was too hard for Sam and certainly made the purchase of my property stress free. I would certainly recommend Sam to work colleagues, friends and family.

18 October 2012  

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