Testimonials

What Michael's clients say about his service

Michael has been fantastic and we no longer would get a loan without him.
Matthew

We had the pleasure to meet and deal with Michael Ryan from Smartline - Barwon Heads, Victoria, to assist and guide in the refinance options of our existing mortgage into a more flexible and robust package, meeting our changing needs. With his approach and professionalism he went far beyond our expectations and made the whole process seamless and with this we would highly recommend using Michael Ryan from Smartline.
Peter

Michael was absolutely wonderful in the way he dealt with everything and always kept us informed. He even drove to Melbourne and PERSONALLY delivered the documents required for our settlement, so that it would go through on the 25/10. I could not rate the service, Michael gave us, highly enough. I think he'll eventually become, one of the jewels, in Smartline's crown. I will DEFINITELY be recommending him to people in the future.
Byron

Michael Ryan has helped me with two loans and has been extremely helpful any time, day or night, when I have needed advice. He has gone out of his way and nothing has ever been too much. Needless to say we have no hesitation in recommending Michael and have done so to a few friends whom have used his excellent service.
Lauren

Michael has gone out of his way to help us with the paperwork arranging himself to suit our schedule, even coming round on the weekends.
Richard

As we had never done this kind of thing before, Michael guided us all the way through, explaining everything and always answered our questions. He was always available to us and made the experience a very pleasant one. After hearing so many awful stories, we felt very lucky to be looked after by someone as professional and friendly as Michael.
Neil

Michael Ryan went above and beyond for me and continues to do so. He is always contactable and caring for my needs and always willing to answer any questions I have had at any time of the day via various and convienent methods. Absolutely the best.
Taryn

Being self employed the process of applying for investment property finance is now complicated and time consuming, but my Smartline adviser made it incredibly simple by doing most of the work!
David

Michael Ryan from Smartline is a fantastic adviser, who made the purchase of my home a much easier process than anticipated. He was on call and very honest and conducted much of the 'grunt' work for the application process. I will continue to refer Michael to friends and family.
Genevieve

Amanda went above and beyond to help us achieve our loan to purchase land. There was such a lot of behind the scenes work she did for us with no fuss or bother. She kept us informed the whole way through and nothing seemed too hard for her. She answered all our questions and never did we feel stupid for asking. Her times to meet were always flexible and she was always professional, empathetic and knowledgeable. We have and will recommend Amanda (and Smartline) to our friends without hesitation. Amanda made a confusing and scary process seem like a breeze. Thank you.
Brett

Amanda was great always helpful and contactable. A great service, made the process easy. Jacobus

Michael Ryan continually exceeded our expectations in providing his Smartline Mortgage Adviser service. We would highly recommend his service without hesitation to family, friends and colleagues and plan to do so when the opportunity arises. Michael went above and beyond the call of duty and was able to meet our need for flexible meeting and communication times as our schedules around work and family commitments only left late evenings and weekends to manage the process of refinancing. We're thrilled with the service we have received from our new lender and are pleased with the decisions we have made with Michael's guidance.
Rebecca and Simon

We would have been lost without Michael, he was fantastic, very patient and efficient. Thank you!!!!
Matthew

Michael was very approachable and attentive during the whole process, nothing was too much trouble. He was with us during the whole arduous journey. Our previous bank of 27 years did not make the transition easy. Michael anticipated every move by the bank to delay and inconvenience us, he put in place measures to mitigate or eliminate these issues. We could not be happier with the service, support and empathy shown by Michael. We have already recommended Michael to our friends and family.
Terrence

I found Amanda to be so very helpful in helping me choose the right loan. She went over and above my expectations and made the whole experience to be 'pleasant' which is what all real estate purchases should be. However, not always so.
Val

Michael Ryan was not only our broker, but a complete resource of information to guide us through the purchasing process.
Benjamin

The service we received from Amanda Ryan was above and beyond our expectations. Apart from providing her with the relevant information we didn't have to do a thing. Amanda kept us informed of the progress at all times, given that it was around Christmas time the communication was excellent. Amanda has this unique ability to remain professional whilst still being your friend, in a small community this is invaluable. We could not recommend her enough.
Andrew

Our Smartline Adviser, Michael Ryan, is invaluable to us. We're in a better financial position thanks to him and we make better decisions thanks to his advice.
Kylie

In a volatile and confusing market, Smartline cut through the bank's spin to deliver the best product for us.
Caleb

Michael Ryan was an excellent help, he went out of his way to pick up documents from me and other parties, and insured all matters were addressed promptly. Excellent service all round.
Simon

Michael Ryan was courteous, professional and friendly. We really liked the way Michael kept us informed about the process at every stage and how he explained the pro's and con's of different loan products. We were over the moon with his service and will be happy to contact him in the future should our circumstances change or if we are looking for a different loan product in the future. We would highly recommend Michael and Smartline to anyone. Thank you for your fine customer service Michael!
Sean

Amanda Ryan was customer focused and knows her product extremely well. She over delivered and did exactly what she said she would do! Also nothing was too much trouble for Amanda and believe me I had Amanda chasing up a number of possible solutions/opportunities that best met my needs.
Michael

Michael Ryan is a dedicated and understanding operator. He explained all elements of the loan and the benefits to me in a straightforward and professional manner. His follow up, once the loan was established, was also professional. I would have no hesitation in recommending him to family, friends and/or colleagues.
Sallyanne

Bouquets to Smartline Mortgage Adviser Michael Ryan. Our mortgage was going up and up each fortnight but Michael helped us find a better loan. He really knows his industry and saved us a lot of money.
A and A

I loved the way Michael took care of all the paperwork and also thought ahead and organised for me to borrow enough money to meet all of my expenses.
Anna

Michael took all the confusion out of researching various loan types.
Dean

Michael kept us updated at every stage and was very punctual, approachable, and managed to communicate in a language that we understood. He even chased up documents from our employers when we were being strung along.
Richard

Knowledge and experienced consultant .
Anthony

Great prompt and the follow up service. Michael Ryan is a professional. Great guy.
Peter

Our consultant was very friendly and helped us with all our enquiries. He followed up by calling us on the phone or coming over for a follow up.
Terry

Mick Ryan my consultant was exceptional.
Regzana