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Client Reviews

What Bob’s clients say about his service

Bob has consistently looked after us for the past 15 + years and we have recommended him to others.

This is our 3rd property purchase with Smartline. Bob is a very knowledgeable and enthusiastic advisor. Always willing to go the extra mile. We can’t wait for our 4th purchase!

I required finance to buy out a family member’s interest in a property that we jointly owned.
I approached my bank without success. I then contacted Bob who advised me that although it would be difficult he would do everything possible to help me. Bob explored many avenues without success, keeping me informed all the way. When all seemed fruitless he advised me that we had a chance with a Company called Homeloans Homeloans turned out to be an extremely frustrating organisation to deal with, putting many obstacles in our way. I am sure Bob would have gladly switched to a more user friendly provider but there was no option. His perseverance on my behalf was outstanding, he never gave up. I have extolled the virtues of Bob McFarlane to many people since settlement of this matter and I feel sure that Bob was probably the only person who could have found the product and brought the matter to a very satisfactory conclusion.

Bob was very patient, polite, well informed and made the whole process very quick and easy for me.

Bob went above and beyond for us and nothing was ever too hard or any hassle. We were even communicating late at night around 11.30pm when it was necessary to get paperwork organised and he didn’t once stop until he got is what we needed. I would never use anyone else ever and neither would my family. Thank you Bob for all that you do and did.

Bob was great at explaining our loans to us.

Bob is very helpful keeping me informed the whole time on progress and was readily available to provide as assistance. I highly recommend his services.

Bob provided us with fantastic service we couldn’t be happier.

Thank you Bob for your advice & expertise.

Bob was able to help us get a good solution for our refinancing and the purchase of our latest investment property. He happily made himself available at all times especially outside normal hours so everything progressed quickly and without the usual hassles usually associated working with a number of properties. A great experience and I would definitely work with him for the next one.

Bob is extremely enthusiastic, hardworking, replies to enquiries promptly, has good work ethic and very reliable. I would definitely recommend him to others.

We’ve used Bob for the last 8 years and he’s always been fantastic!

This is the second loan that Bob has helped me with. Even outside of the loan process Bob has contacted me to keep me up to date and ensure all is going well. He has been excellent.

Bob McFarlane was an absolute pleasure to work with. He was able to assist us in a very prompt matter due to the deadlines we were working with on our end, and was always accessible and professional in all of his dealings. We have already recommended him to a number of friends and family, and will not hesitate to use his services again in the future. Thanks Bob!

Very happy with the service provided by Bob. Would definitely use again and recommend to anyone. Thank you

Bob is a friendly and considerate person who is always willing to go the extra mile to help my wife and I get the home of our dreams. His dedication to the job has given us many different opportunities with lenders to help build our property portfolio.

Bob saved us money on our home loan and refinanced our investment loan so that we saved thousands of dollars. When my elderly mother needed a loan in an emergency, Bob organised everything efficiently and spent many hours explaining all the details to her. Thanks Bob

There were a few complications given we were selling and buying at the same time. Bob worked hard to ensure all loans went through in the time frames required. Thank you Bob.

Bob McFarlane is a great adviser!

We trust the opinion and advice that is always recommended by Bob. We have used his service several times in previous years for home loan guidance and are extremely satisified and confident with the expertise and experience afforded to us as clients.

I have been using Bob now for 7 years for my financial needs. He is always extremely
helpful and prompt with my enquiries. I wouldn’t hesitate in recommending him and have so before. He is an absolute credit to your company. Well done!

I have always found the service of Smartline efficient, prompt and friendly. I have no hesitation in recommending them.

Bob was extremely helpful and any problem I had he fixed it immediately. When all the paperwork was finished he personally dropped it off to the bank as he knew the urgency of getting the loan through. I can’t thank him enough for all his efforts. Very happy indeed.

Bob McFarlane has helped us several times over the last 9 years and we have recommended him to many other people. Wouldn’t even think of doing it ourselves or using anyone else. Bob is always friendly, courteous, helpful, punctual, informed and patient – hope he doesn’t retire for a long time – well, at least for our sake!

Smartline Personal Mortgage Advisers offer an excellent customer service. They are punctual, easily contactable, use technology for communication and are knowledgeable within the financial markets, among others.

Smartline are great mortgage advisers who are truely there to help you in every way they can, not only in the short term but in the long term too.

This is the second time we have used Bob McFarlane and on both occasions we have found him more than helpful and is always readily available to answer our queries and put us on the right track. Bob is a true professional and a credit to the Smartline organisation.

We found our Smartline Adviser to be up front approachable and readily available. He took time to explain the various packages available and which package best met our requirements.

Smartline, in particular Bob McFarlane, have always provided excellent service and have met all requirements for investment loans. Bob’s dedication and customer focus are excellent and nothing is an issue when dealing with Bob or Smartline. I have recommended their services to friends and relatives and would recommend them to others.

Bob McFarlane is our Smartline Adviser and he is our saviour. He went above and beyond our expectations, literally bent over backwards to solve our financial woes. We got ourselves into financial difficulty and Bob got us out of it. He is just a fantastic man and we will be forever grateful.

Shane and Leanne

We have used Bob on several occasions and once again he was very easy to deal with and the process was smooth and stress free.


Bob provided us with a friendly, professional and efficient service in sourcing our mortgage. We have used his services in the past and will do so in the future. I have no hesitation in recommending Bob to anyone. I regularly do so, to my friends and associates.

We found Smartline (Bob McFarlane) to be very professional, helpful and responsive to our needs. He ensures he understands the situation before recommending products or services and does look after the customer, not the shareholder, which is a pleasant change in this shareholder focused environment.
Alison and Ralph

We didn’t think that in this economic climate it would be this easy to get a home loan. Smartline did all the paperwork and made it simple to buy our first home.

Due to poor advice from another mortgage provider my wife and I were left with a major problem in financing the build of our home. After being recommended to us by a friend, Bob assisted us greatly and quickly organised our loan. He was totally professional in his advice. Bob has since assisted us further with other financial areas resulting in a positive outcome for us. We will continue to contact Smartline, and Bob, for any future financial advice.
Steve and Sue

We would definitely use Smartline again, our adviser was extremely knowledgeable and made some invaluable recommendations. It was all very easy and uncomplicated not to mention free.

Bob McFarlane provided excellent service – again. His advice was accurate and timely, his manner professional and friendly. I have already recommended him to many friends.
Greg and Robyn

I have found Bob extremely helpful and he also saved me lots of time avoiding all the leg work.

Bob was always available, organised and helpful with our mortgage options and details. He kept us up to date with market trends from when we first met him 8 months ago and ongoing since we purchased our property. Bob looks out for his clients and that is great customer service.

Bob McFarlane sourced our current home and land loan and has done several previous loans for myself and my family. He carries out his role in a professional manner providing helpful and friendly advice. I would and do recommend his services to all my friends and family and will continue to use his services in the future.

This is the third time we have used Bob McFarlane we have also referred him to clients, family and friends. Being an ex Real Estate agent (for 14 years), I have dealt with a lot of lenders and in my opinion Bob is the best in the business. We are looking forward to dealing with him again.
Kerry and Matt

Bob was punctual, helpful and always able to be contacted. This is why I moved from the previous lender. I would use Bob’s services again without doubt.

I have had three loans done with our consultant ‘Bob’ over the last five years and had a great experience with every single one of them. Bob is a very senior consultant and knew exactly what we needed. There was no time wasted during each of the transactions and they were accurately executed. No headache is the bottom line.

My only dealings with Smartline have always been with Bob MacFarlane, who is a very thorough and reliable representative of your service. I would highly recommend him to anyone seeking help with financing any project. His knowledge and reassurance means that I don’t have to worry about anything other than signing the documents. Thanks Bob.

Bob provides a fantastic service and is always there when we need him. I have no hesitation in recommending Bob or Smartline.

I like the after hours service as most of us are working till late and also can’t afford to spend hours in the bank. Thanks Bob from Smartline for providing the excellent service.

I liked the way Bob kept in touch right through the loan negotiation and signing process. He rang to make sure everything had worked smoothly and when there were corrections required to the address, he liaised with the bank. Smartline have been there each time I’ve needed to get loans for both private home and investment houses. Great work.

Bob McFarlane of Smartline was able to provide us with the lending solution we required. We did have issues with the lender but were able to readily contact Bob and he quickly chased them up and resolved the issues we had. We will use Bob for our next property transactions.

The refinancing was a breeze, I did not have to worry about dealing with banks or solicitors.

What I liked most is how easy the whole process was. For a first time property buyer, it can seem rather overwhelming, but Smartline seemed to take all the hassle out of getting a home loan. I was very happy with the service I received from my consultant. He was always available when I needed him and was able to explain the whole process in a way that was uncomplicated and stress free. I would definitely recommend him to family and friends.

Bob MacFarlane and Smartline have assisted us three times now and have been faultless in all three occasions!

Our consultant Bob, was fantastic, informative, helpful and I have recommended him to other interested parties.

Bob McFarlane provided us very good service, always met with us when requested and was a pleasure to deal with. I’d recommend him and Smartline to anyone in the future

We have used Smartline (Bob McFarlane) on three occasions and we wouldn’t go anywhere else.

We are VERY happy with Bob McFarlane. We have used him before with great results and will definitely use him again. We have passed his details on to other friends and relatives with great feedback from them.

Bob is “the” expert in his field and as such I have the utmost confidence in him and any information he provides.

We have used the service of Bob McFarlane from Smartline for our past 3 home loans. Each time the service has been excellent with efficient responses and an attention to detail. Much more pleasurable than dealing with the banks directly.

It was so convenient to have Bob come to our home and help guide us with the loan options out there. He kept in contact with us and with all the new developments and was easy to contact if we had questions.

I thought the service provided by Bob at Smartline was fantastic – he was knowledgeable, happy to answer any questions, he took a lot of time to explain all aspects of the various options we had and why. I had many questions since this was our first home loan. Bob assisted with all aspects of the loan and gave us greater understanding of the whole procedure as well as helping with the first home buyers grant. HUGE thanks to Bob and Smartline.

Bob is very customer focused. He keeps his clients well informed. Does everything necessary to ensure smooth service and the correct outcome. I could not fault the service.

I have always been impressed with Bob McFarlane’s attentiveness and commitment to our needs. I have referred very many of my friends to him for advice and they have also commented on his assistance. If you have people like Bob working for you, your company will benefit.

Bob was available to answer any of our questions and ease our minds at every stage of the loan process. We could not have asked for a better service. We would recommend Bob without hesitation to anybody who is looking for a loan.

My consultant displayed great helpfulness and was an absolute pleasure to deal with and I believe we were given great advice by him thanks again!!!
Tim and Leah

Very happy and satisfied with the service. Professional advice, and very friendly, extremely efficient, pleasure to do business with Bob McFarlane. Definitely have recommended to other people.

We found Bob McFarlane to be a fantastic Consultant and have recommended him to several friends. We will definitely contact Bob for any future financial advice.

This is the third time we have utilised the services of Bob McFarlane and since our loan has been formalised we have already referred him on to other friends who have within this short space of time utilised Bob’s services as well. He is easy to communicate with and explained all our concerns and questions. His follow up and interest even after the loan’s implementation was great. Thanks BOB.
Cathy and Ken

Bob was available to answer any of our questions and ease our minds at every stage of the loan process. We could not have asked for a better service. We would recommend Bob without hesitation to anybody who is looking for a loan.

Bob was very friendly and approachable – each time we have used him we have found him extremely helpful.

My Consultant was fantastic, he was very helpful and friendly. He was always able to help me with all types questions and explained everything well. I would not hesitate to contact him again when I ever go for another loan. I’m very happy!

Bob McFarlane is wonderful. He has been so helpful, always available and we regularly pass his business card onto friends considering borrowing. A credit to your company.

Our case was very urgent and the consultant did everything he could to help us out and get the loan through in the shortest time possible. All the help was greatly appreciated. Thank you very much, Cheers.

Bob has helped us now on several occassions and we will go to him again next time we re-finance.

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