Testimonials

What Emmanuel's clients say about his service

Jon (Emmanuel) communicated (and still communicates) with me continually and is quick to respond to my requests and questions. He explained the various types of loans and how they differed, the costs and compared the costs and outcomes in a way that was very easy to understand. He is prompt with getting paperwork to me - totally efficient which is why I would not hesitate to recommend him to anyone.
Helen

We wanted to add another investment property to our portfolio and had been declined by our existing financier when we requested for additional funding on top of our existing mortgage. We approached Jon De Guzman to help us and he was able to facilitate our requirement from another lender. We are very appreciative of Jon's services and would recommend him to anybody who would require his services.

Maria

Jon was patient, bearing in mind we had to cope with a protracted period of searching for the right house, plus currency fluctuations. We were very impressed with his service. Thanks!
Michael

Jon was excellent, he provided me with quick accurate information and was extremely helpful. He provided excellent service and was available immediately for signing or whatever I needed. I would definitely use him again.
Janell

Smartline was the best decision we made in making our dream home become a reality. Our loan was approved quickly and without hassle. The staff is most knowledgeable, honest, and very helpful in any questions that you may have. Big thumbs up for Smartline!!!
Tracy

Jon totally exceeded our expectations. We were first home buyers so this was very overwhelming for us. Jon provided us with all the information we need to complete the process and broke everything down for us to make life that little bit easier. We then had the confidence to continue the process knowing and understanding what we were doing each step of the way.
Kurt

Emmanuel (Jon) De Guzman provided a service that was of high level, he made himself contactable at all times for all of our queries throughout the construction of our first home. When we had questions he didn't have an answer for, he would diligently source out the answer and inform us so that we gained an understanding and also felt confident in the decisions we made. Jon kept us informed throughout the process and also gave us peace of mind during uncertain times. Thank you very much Emmanuel 'Jon' De Guzman for helping us build our first home.
Francis and Annelie

We have used Smartline twice for our home loans in the past four years. Our adviser was extremely helpful in making sure each time that our loan was exactly what we needed. Thank you Smartline and in particular our adviser Jon De Guzman.
Stephen

Jon made buying my first home easy - I was new to the whole process (and the country) so wasn't sure how it was all supposed to work. He took me through it step by step and organised the whole thing. Thanks so much!
Sarah

I was very impressed with Smartline and would recommend them to friends and, in the future, use them again. I received very professional advice with a friendly style of service.
Suzanne

We would like to thank Jon De Guzman so much for all he has done. He is great, if all your staff are like him then you have a winning organisation on your hands. Jon is not a sales person he is a person that understands peoples needs now that is a good sales person in my mind and I have a sales background it was a pleasure inviting him into our life.
Thanks
Bruce and Karen

Jon De Guzman went far and beyond the services we imagined. He was instantly available for any question, no matter how small or minor. Being our first home purchase, it was very daunting trying to understand which way to go with our finances however Jon managed to guide us through expertly whilst explaining all the steps and processes to us clearly. We will definitely be going through Jon De Guzman for all our future purchases and will be recommending his services to anyone and everyone.
Thanks Jon.
Michael and Tiff

We were both very pleased with the service we received and have recommended our adviser to family and friends.
Meryl

I was happy with our adviser, he was quick to respond to messages and was helpful and courteous. While getting a loan is never a simple process, he facilitated the process and negotiated well on our behalf.
Carrie

My consultant Jon was wonderful. He is very knowledgeable and helpful and is readily available to help you with any question I had. I would have no problems in referring him to any of my friends or family in the future.
Toby

Smartline had a great range of mortgages and found the best one for us, it was all arranged without hassle and stress. We would defiantly recommend them to people and use them in the future.
Andrew

Our broker made borrowing easy! It was nice to have an unbiased approach to our home loan and somebody to deal directly with the bank on our behalf. The flexibility of the broker also has meant that we have had somebody attend to us outside work hours.
Paul

Hello Jon,
What a lovely surprise! Reception phoned and said there was a parcel to collect, but I had no idea it would be a hamper and from my mortgage broker!! Thank you very much for such a generous gift. It was a kind and thoughtful gesture.
You have been most patient and helpful is assisting me through the mortgage and settlement process. As such, I have already provided your details to a friend who is property-searching so hopefully her and her husband will make contact with you.
Thank you again. Wishing you and your family a wonderful Christmas and a New Year filled with good health and happiness.
Kind regards,
Angela

John provides a service second to none, I have referred him to many a friend and work colleague and have heard nothing but praise for his friendly efficient manner. I would recommend everyone give Smartline a try.
Wendy

I found Smartline easy to talk to, everything was explained in a way I could understand and everything went through with no problem, very quickly, I will use again in the future.
Richard

My consultant Jon is still always available to answer any questions or queries I have. He has been extremely helpful and already he has saved me thousands. My only regret is that I didn't meet him sooner.
Ana-Lea

Just a quickie to say a big thank you for your gift card, its very kind of you and much appreciated.
Its a pleasure to pass on your details to our friends and we will continue to do so.
Regards
Morris and Sarah

I enjoyed such great and efficient service from John; I have already referred him to friends. When buying property and having to deal with banks, real estates and solicitors it was great to deal with a broker who was friendly, patient and very helpful.
Wendy

My consultant Jon is a wonderful asset to Smartline. He seemed to be on the same "wavelength" as me right from the start. He was understanding and certainly knowledgeable.
I liked the fact that I was not pressured into making a decision or having my forms in on time. This flexible approach really helps to reduce the "stress" of a home loan.
I would not hesitate to recommend him to anybody I know.
Pippa

We used Smartline for our first home and the service was great, allowing us to purchase just a month or so after our first appointment. I have recommended our broker to numerous people and plan on using them again when we purchase our next property.
Matthew

We would like to take this time to greatly thank John for all his hard work and patience with us as we were totally unaware of all the work there is in organising our loan. Many thanks to all concerned.
Gordon

Sorry I haven't got in contact sooner but with a new baby, new house, work and Christmas just round the corner it has been a bit full on. Thank you very much for are lovely basket it was a big surprise and very well received by all at the Owen house. I would also like to thank you for all the help that you have given use and would not hesitate to recommend you to any one that need the service you provide thank again Jon have a very merry Christmas and a happy new year.
The Owen's

Jon de Guzman was not only a mortgage broker but also a friend. He has helped us make the right choice in getting the financial institution to provide us with the loan for the purchase of our new home. He has proven that we as his clients are foremost in his priority only second to any financial gain. He has given us support even with personal requirements. He has really looked after us as clients and has given the best advice that he can offer and has put every circumstance into consideration allowing us to be able to purchase our dream home. We only have appreciation and gratitude to Jon for all the hard work that he has done for us. Thank you.
Rodel and Tittit

I recently bought a house and required financial advice in obtaining the appropriate home loan to suit my needs. I had received advice from other mortgage brokers that I was not satisfied with and wanted a second opinion. I heard about Smartline and decided to contact them for further advice. The loan that Smartline suggested offers everything I need including a low interest rate and minimal fees. The service I received was professional and I am confident that the loan selected best suit my needs. Thank you Smartline.
Helen

Emmanuel De Guzman, a Mortgage Consultant for Smartline, has recently assisted me in finding the right financial mortgage company. I have just purchased a second property which was settled on the 8th of August, 2005 and he has been very helpful, informative and efficient. Being in a small business, it is very difficult to borrow money from the bank and there is no way I could have even purchased a second property without Emmanuel’s help. I have no doubt he has helped many people in finding the right bank and the right interest rate for their needs.
Yours truly,
Jacqueline

I wish to thank Jon for his service and support in helping me obtain my first investment property.
It took me a very long time to find the property that suited my budget but thanks to Jon it was worth the wait.
Much appreciated,
Greg

Hi Jon,
It is with great enthusiasm that I congratulate you on the first class service that you provided for me. As you are aware, I had previously experienced mixed information from my bank when I wanted to change my existing home loan to one that was better suited for me. Due to the varying advice I received from ANZ, I felt that there were no other options so I stayed with the existing loan. My regret is that I didn't know about you sooner. It was through your patience and advice that I was able to choose a smarter home loan and I am now with a different bank. I am also grateful for your regular contact with me to see if I have any further questions and you are always happy to assist. So thank you again, your enthusiasm and efforts are very much appreciated.
Sincerely,
Anna

Thank you for your excellent help in making us feel confident and safe within every step. Driving past that SOLD sign is the best feeling ever, your honesty and caring self made that happen.
Forever grateful,
Marion, Jade, Tearai, Jaida & Tia

We are very happy with the options that Emmanuel provided for us and felt very confident that he handled our loan efficiently.
The services Emmanuel gave is more than what we expected and would certainly recommend him to friends and families.
Emmanuel showed great professionalism in providing us the right answers to all our questions and we felt that the information he gave provided us with the right choice of bank and loan options.
We greatly appreciate his assistance in our loan application and we will hopefully work with him again in the future.
Thanks Alfonso & Esther

The best consultant a first home owner could get, Emmanuel 'Jon' De Guzman.
Francis

We would like to thank Jon for his professionalism and fast support in raising funds through a Low Doc loan system. His fast response enables us to purchase our new business in the surfing industry to manufacture surfboard blanks and commence as merchants for different resins fibreglass clothes and associated materials in this industry. We would recommend Emmanuel Jon De Guzman to our friends and acquaintances as our future is on track for future success, Thanks Jon SurfLife Forever!!!!!!!
Dave and Tracey

Smartline Home Loans principal Emmanuel De Guzman was professional and prompt on all occasions, made the decision easy because of the thorough work Mr De Guzman had done.
I would highly recommend anyone to use Smartline Home Loans. It is a non-stress and modern service. Mr De Guzman was always professional and very prompt with all of my queries, with great follow through.
Richard

Jon De Guzman went above and beyond to help me achieve my goal in owning my first home. He was always ready to help me out in every way he could from the first home owner's grant to being accepted for a home loan without any need for a deposit. This really help me get out of the rent train and into the property market which is getting harder and harder to enter. Because of the choices of bank and non-bank lenders and out of business hours service, I hardly did any running around, I just wish every
other service was like this, free and convenient. I have recommend everyone to this service, from my work mates to my friends, and a majority of them have gone with his service. Now I am my own landlord, I thank Jon for helping me achieve that goal.
Francis