20 Masthead Drive, Cleveland QLD 4163

Client Reviews

What our clients say about our service

Erin, Karen & the team at Cleveland have helped my wife Judy and me previously with a home loan, we would not go anywhere else.  They are excellent at their job & nothing is a problem for them. We have recommended them to our daughter & son in law who are looking to purchase their first home, as we know Erin will do all she can to get them the best deal. Thanks again,
Andy & Judy

Karen was amazing, the level of service from the whole Smartline team was 10/10 and follow up on any queries was prompt and sorted quickly. Thanks to Smartline Cleveland team.

It wasn’t just Karen that was great, the whole Cleveland branch are fantastic. Couldn’t find a better crew to help us, nothing was a problem, strongly recommend them to all our friends and family cheers.

Amazing service, would never go anywhere else!

Awesome service, all staff members were excellent.

This is the second time I have been contacted to participate in this survey.  I am as pleased with the service this time as I was a few months ago.  I’d also like to acknowledge Anthony Walklate, whose name doesn’t appear in the drop down box.  Anthony was exceptionally helpful, polite, courteous and always addressed any issue in a timely manner.  He went above and beyond and I’m very grateful.

Easy and friendly. Nothing was too much trouble for Anthony

We are repeat housing mortgage business. Karen and her Team again could not be faulted at any stage of what is a stressful process. We were guided through all options with the pros and cons fully explained. The final recommendation is a package that is tailor made to our needs. A most professional service delivered in a most personal and customer oriented manner.

I would definitely not hesitate to contact Karen and Smartline for my next property purchase.

Karen provides the best service I have ever seen, we were always kept informed with the process and everything ran smoothly.

Very happy with the service I received … especially the patience shown while I fuffed about with settlement! Thank you!

I would strongly recommend my Adviser to friends and family. Her knowledge in the field and dedication towards client satisfaction is exceptional.

Anthony is professional and was extremely helpful , we have recommended him to our friends and family and like us very, very happy with the standard of service he delivered to all of us.

Karen and her team were always available to answer any queries, keep track of progress and help explain the process. This was our first purchase of property in Australia and we are so pleased we had Karen on our side.
Gareth & Michele

It was attention to the big aspects as well as the little things. Very professional and helpful. Thank you so much.

My initial point of contact, Karen, was on holiday during the loan process. Her associate, Anthony Walklate was very helpful and got everything organised accordingly. Great team effort!

I found Karen to be the most helpful and articulate mortgage lender I have ever dealt with. Her professionalism and confidence in explaining each option was extremely reassuring yet she discussed these options in such a personable way. I am sure she is a tremendous asset to the Smartline brand!!

Anthony was my main contact however I received great service from all his colleagues on my journey. Everyone was across my case so in the absence of Anthony I had continuity. I would like to also acknowledge Erin & Karen. Thanks team

I have already recommended Anthony to my sister, who has since made an appointment to see him. Couldn’t fault him!

Karen and her team made the process so easy. Would highly recommend anyone needing assistance in purchasing a house or a car for that matter, don’t hesitate to give them a call . kind regards
Adam & Amantha

Karen and her team exceeded our expectations – a wonderful service which I will certainly recommend!!

Fantastic customer service & thinking outside of the box for the best deal in a different situation.

We can’t thank Karen and Anthony enough for all their efforts. We were really stuck and struggling with the bank we used to bank with when trying to purchase another home. Karen and Anthony who are such lovely people helped us achieve our dream house. Without their knowledge and high level of professionalism we would have given up and just stayed in our existing home which would have impacted long term on our financial situation. Will definitely use their services again and recommend them to anyone.

Excellent friendly service 🙂 would recommend 10/10 to all family and friends!

Having had some not-so-good experiences with advisers elsewhere I was a bit worried about meeting with Anthony – but what a pleasant surprise! Anthony took the time to talk with me about my needs, hopes, and fears and really listened to my comments. He discussed all the options I could come up with and added a few more that I would never have thought of. He treated my requests, questions, and changes of mind with extreme courtesy and professionalism and never made me feel like I was causing him any trouble. The deal he found for me has stood up to all my subsequent searches for improvement. In short, he made me feel like I could trust him and that trust has not been misplaced.

Karen and her team were so helpful and readily available to assist with our queries. Very happy with the service.

Anthony was very easy to deal with, always contactable and able to answer all our questions. He found the loan most suitable to us (to link in with all our existing accounts) and managed to secure us an agreed lower rate which was great.

Anthony was more than helpful with me. I wouldn’t of been able to do it all by myself, getting all the documents that I needed and where to get them from.

Karen was very knowledgeable and guided us through the whole process. She was always contactable and no question went unanswered. I will definitely be recommending and using Karen again in the future.

The whole experience was the most stress free loan process we have ever been through. Will be using Anthony and the Cleveland team for all of my financing needs in the future.

We were referred to Smartline by a friend and Karen and the whole team at the Cleveland office are so friendly, warm and very professional – it really is a pleasure to be working with them and we have referred them to our friends who are now working with them and are very happy too.

Once again Karen LeComte and her team were fantastic. Nothing was too much trouble, no question was a dumb question. We now live on the Gold Coast but would travel to bne in a heartbeat for her professional advice and services

She made us realise we can have the acreage dream we are after without putting us beyond our means.

The team at Smartline did an excellent job in solving my predicament and would have no hesitate in using them or recommending them.

I always received excellent service at Cleveland. Karen’s team always kept me informed and advised me of the progress of my applications.

Karen steered us through the once daunting process of property investment and helped us build a portfolio of 6 houses. We are currently undertaking the development of one of these properties, again under her tutelage. She is more than adviser, she has become a good and trusted friend.

Karen ‘Superwoman’ Le Comte, Thank you.

Karen does a great job and goes out of her way to make sure My needs are met.

Karen delivered far more than we expected. Her level of knowledge and truly understanding the client’s needs are a welcome sign in today’s world. All the staff at Smartline are approachable and first class. If you are looking for any type of loan you would be mad if you don’t contact Karen Le Comte.
Brad and Veronyka

Throughout our process there were lots of extras needed and Karen was amazingly supportive. I would recommend Karen and her team to any of my friends and colleagues as they are a very professional team and kept us informed at every step.

I did feel that our personal situation was looked at and considered when advising the best options available to us. This is the main reason that I think dealing with Smartline pays off, you are looked after from the personal point of view and not just for getting more business.

Karen and her team provided excellent advice and worked very hard to achieve the best interest rate in a timely manner.

Karen took all of the work out of our housing loan process. It was like paint by numbers and she gave us the numbers. She was with us every step of the way. Extremely professional operation.

Karen helped me purchase two properties now and I definitely won’t be buying anything without her never ending support and extensive experience. It is really helpful to have someone so energetic and passionate about their job to tell you exactly what you need to do. They tell you the list of documents required right at the start and then THEY deal with the lender which is fantastic.

As well as Karen, we had Marisa looking after us. The whole team there are very friendly and easy to talk to. Thank you for all your help.

Best financial help I have received in a long time.

Karen and her offsider Marissa did a great job organising my loans. They kept me up to date with what was happening, and helped me through the paperwork. Karen has been organising my finance needs for over 15 years (through Westpac and Smartline), and will continue to do so. Smartline is lucky to have her and her team.

We saw the ad in the local paper , bayside bulletin , rang up regarding a home loan & some finance advice , we were absolutely rapt with the service we got from the whole team at Cleveland Smartline , we would highly recommend them to anyone in the market for financial advice. We actually sent our daughter & son in law to them for house loan advice , Thank you to all the team.
Andy & Judy

We have used Karen for a number of loans over a number of years and found her service to be excellent.

Karen Le Comte along with Jackie Klees were just fantastic. My loan was not an easy one to secure and I came with a lot of baggage. low income ,single mother of 2, recently separated, but these girls made me feel like part of their family they were looking after. I tried banks myself but got rejection after rejection which made my self-worth even lower. I don’t know how they did it but I am finally in my own home and have passed on their names to many of my friends. I couldn’t have done it without them, forever grateful.

Karen Le Comte was unbelievable. So down to earth and personable. She discussed all my loan options in an understandable and friendly manner which I think is fantastic for the first home buyer. I feel very safe with her. 10/10!

I will never go anywhere else. Nor will the folks I’ve recommended. Over to her.

I have given at least 8 of my friends & colleagues Karen’s info and I know 3 of them have gone through Smartline.

Karen provides platinum service. She makes herself aware of my existing portfolio of properties and is always well prepared to advise and discuss my investment needs with me.

Karen not only negotiated an excellent rate on our loan but also ensured our other banking needs where met with the new lender.

Andrew did a great job and kept me up to date with progress throughout the process. He always called when he said he would, very rare these days!

Very happy with their service. Great communication and very friendly team.

As Anthony was working at Cleveland two days a week (He was standing in for Karen who was on holidays) most of the time I spoke with Jackie Glees and I would like to state that she is a big asset to your business.  Any time I spoke with her she made me feel very comfortable. She was always happy and very helpful, I would have no hesitation in recommending any of my friends to Karen and her staff as they make you feel like family and they are all an asset to your company.

This was my second round with Karen at Smartline and a little more complex – refinance/investment loan and a homeloan as well. Karen’s advice was invaluable in making us aware of how to capitalise on our current home while minimising the debt for our new home. Even though the entire process dragged out over 6 months due to employment instability Karen remained informed about our options and it was almost as though the 6 month delay never existed. Even when Karen was overseas the Smartline team, particularly Jackie Klees, made the process not quite painless but certainly endurable. I would say more but we have just moved from Dalby and Melanie and I are now too busy transforming our house plus 3 acres on the Sunshine Coast into a home, and for this we cannot say “Thank you” enough.

What an amazing job you guys have done for us, a special thanks to Jackie for your Latest efforts and also to Karen for putting up with us for so long, thanks for not giving up on us.

Karen and Marisa from Cleveland, were quick to reply if not able to take calls immediately. As first home buyers, everything was explained in terms easily understood. A great team.

Andrew Heyworth was the initial contact with Smartline, fantastic service. Jackie Klees then brokered the mortgage through to settlement, again fantastic service. I will be engaging Smartline for future enterprises and highly recommend their services for anyone that requires mortgage advice.

Karen has looked after all our mortgage affairs since we moved to Australia just over 5 years ago. She is undoubtedly the best thing that could have happened to us. She is incredibly professional and knowledgeable, but most especially she is very personal and feels like a friend who always has your best interests at heart. We are a hesitant couple who err on the side of caution and Karen has always respected this and yet given us very well researched advice, options and space to make decisions. We cannot sing her praises highly enough. She is supported by an incredibly likable, friendly and professional staff.

Karen provides a personalised service with great back up support we have great pleasure in recommending her and her team to our families and friends.

They had to work very hard for me to get a loan and they made it happen.


I would like to thank Karen Le Comte for all her hard work in helping us obtain our first home loan. We had a difficult case due to our circumstances however Karen worked hard in order to get the loan approved for us. I would definitely recommend Smartline and Karen to all my family and friends. I truely believe if we went elsewhere, we wouldn’t have a home loan today, thanks heaps Karen 🙂 Regards Steph and Steve

Karen and her team are fantastic. Nothing is to hard for them. If you have a problem they’re onto it and get back to you promptly if they can’t answer you directly. We have been going to Karen for a lot of years now, and would be lost without her and the teams knowledge. Sharyn & Tracy

Throughout the whole house purchasing process, Karen and her team from Smartline were the only ones to not only meet our expectations, but exceed them! Karen and the team were lovely, understanding and also able to clearly articulate exactly what we needed to know. From our experience, I have absolutely no hesitation in recommending Smartline Cleveland!

Fantastic assistance from Karen and the team at Cleveland

Karen has been very helpful with every aspect of the new relationship. The rating of 9 for question 2 simply relates to the fact that it is very early days into the new loan solution and we are yet to truly test it’s worthiness. However we are confident it will clearly meet our expectations.

The best service I have ever received getting a loan. Hassle free and so easy.

Thoroughly enjoyed the experience using this service. They were able to assist and recommend services to support an end to end purchase for us. Would definitely recommend and use this service again.

Fantastic service, friendly staff, excellent all round!

Helpful advice and not condescending at all.

Karen has been very helpful and all advise has always been appreciated making our banking updates stress free.  Great friendly staff and very obliging to meet our requirements.

Karen is an absolute professional in what she does. I work for a bank yet I still go to Karen as I trust her judgement and know that she will process the deal with the minimum of fuss to me. The relationships that Karen has built and continues to build with her clients is exceptional and ensures she will always get my repeat business. A true legend!!!

Very happy with the whole process. Was very well communicated and all finalised quite quickly and hassle free. Thanks again, will be back.

Karen and Jilian from Smartline Cleveland are just fantastic!! Both are both great women, very knowledgeable and extremely patient! As it took us several months to find the right house and we saw both of them at different times over that time. They were always happy to help out in any way they could, from providing property reports at the drop of a hat (thank you!) to information about the local area. They were both very professional at all times explaining our options, and they took all the worry and stress out of finance. I could not recommend them more highly, in fact I do recommend them to everybody!!

Karen has always acted in our best interests & has kept in very regular contact, making suggestions with regards the best loan products available to suit our ever changing circumstances. We consider Karen to be more a loyal & trusted friend than just a broker.

Karen secured 4 investment loans at a time when we were experiencing difficulty in getting anyone to talk to, and throughout our association since we have been treated as part of a family, receiving advice, service and importantly, availability of her time to discuss and overcome issues that popped up.

My Smartline adviser makes a difference with her vast knowledge of the finance industry.  Karen is able to answer any question I have asked  her with confidence and accuracy which is very hard to find.  Karen also takes all the drama out of applying for finance which saves me time, this enables me to be working on my business.

Karen and her amazing team have always made my experiences stress free and seamless.  They always make time for me and addressed all my needs in a timely manner(as if I was there only customer). Any questions that I have had or matters that I have been unclear on, they have always ensured that I had a full understanding and clarity before I made any decisions.  I continue to recommend Karen and her team to all friends and colleagues because they offer a service that is not only professional but personally tailored to meet individual needs. Thanks Karen 🙂

She helped me with buying my very own house and I love her for that !!!

Both myself and my wife Ranee are happy to say we have found a true treasure of a person in Karen Le Comte, we have nothing but praise for this lady. Karen is always there when needed ,  never fails to return calls and always goes above and beyond what’s expected ,  Karen runs a very good and reliable brokerage with very professional , helpful staff.  Ranee and myself are happy to refer all friends and acquaintances who are seeking financial advise and or assistance toward Karen and team as we know they would be well looked after.

Karen and her team provide piece of mind they have my interest at heart. They are always prepared to go the extra distance to get me the best product that is suited to my needs matched with personalised service – you don’t get this with the big banks! Thanks Karen.

Karen is more than a mortgage broker.  She is determined to get you the best mortgage to suit your needs, lifestyle and future dreams.  We love her and count her as a friend, and there is no one we would or could trust more.

I love my Broker because we received excellent no nonsense, well explained  information with other excellent services as well from Financial Advisor to Insurance cover all from the one place.  Have recommended Karen to lots of other people.

I feel I had a very rewarding experience with Karen.  I am still receiving very valuable emails as well.

We have been clients of Karen’s for approx 12yrs. We would not have been able to accomplish our goals of buying investment properties if not for her. Karen just seems to make everything flow and saves us a massive amount of leg work and stress!!!

Karen Le Comte is motivated and willing to go to battle for you. She will fight to get you the best loan possible and ensure it suits your personal circumstances. Karen responds quickly, she can give you answers on the spot and is proactive about helping you avoid potential issues.

Our Smartline Broker Karen (and her team) made our finance mess into finance magic! Everything was done for us, from liasing with the bank and setting up the appropriate accounts to calls to our solicitor and insurance companies!  We love our Smartline Broker!. Dan & Jenni.

I tried to obtain loans through banks by myself but being a single income nobody would look at me. Two days with Karen and her team they found me a bank willing to help.  It’s my first house and the team have walked me through step by step.

Karen makes sense. She has given us practical common sense advice and has always found the best rates for us. That just makes sense to me!

I had a home loan and needed to re-finance my loan. Spoke to Karen and she organised everything, even the solicitor. I did nothing but sign papers. Then she even saved me $300 for my public liability premium for my business over a weekend. Amazing!

We love Karen because without her enthusiasm and determination we would not have our brand new beautifully home, several times we wanted to give up on the idea of building a home, but, she kept giving us new hope and every time we hit a hurdle, Karen always resolved the issues-  we would not have succeeded without Karen’s knowledge. Thank you

Together with her extensive banking knowledge and interest in financial matters generally, Karen has a great depth of knowledge of the Smartline products offered, along with an uncanny ability to quickly flesh out her client’s need/s, then convey practical resolutions in a concise and easily understood manner.

We love Karen Le Comte, because she genuinely cares about our financial future.

Because she takes a personal interest in what we are doing and if anyone can source funds for an project, she can!.  She does all the hard work in finding the right products so we don’t have too.

Wow, Karen is fantastic.  I loved the service, the caring and compassionate nature.  It made organising my loan stress free.  The organisation was wonderful.  I hardly had to do a thing.  I would have no hesitation in using her again and therefore recommending the business to anyone.

Karen was very understanding towards us with our position as new business owners.  She clarified the different criteria between personal lending and business lending.  Her Fact Find sheet was well designed for us to easily complete before our appointment.  Karen was very professional and friendly during our appointment and we look forward to Karen being a part of our Board of Advisers for many years.

I don’t have to worry about my mortgage. I have to know about money. I don’t have to keep up with what is going on with interest rates. Karen does all of this for me and still asks if I need anything else. What more could I want?

Having Smartline Cleveland helping me through the minefield of organising finance is a weight off my shoulders; just one less thing to worry about. Happy days.

Karen and her team made purchasing my first home a stress free and enjoyable experience. I was living interstate at the time which having her and her team doing the ground the work for me made my life a lot easier and smoother. She was always helpful at all times.

My broker does listen to what I have to say, and provided options to best suit my financial needs.

Without Karen’s vast product & procedure knowledge, expertise, perseverance and her amazing ‘Can Do’ attitude I would simply not be a home owner right now. Forever in debt to Karen and her team at Cleveland (and my bank haha!). I LOVE my broker!!

Karen is the ultimate professional , we would not be where we are today without her guidance , she is always so helpful and always makes time for us . She is so kind , thoughtful , we have and will continue to recommend her to our friends .

Professionalism associated with friendliness. What more could a person ask for? Regular updates along with interesting articles keep you abreast with the current housing and financial markets. Smartline has always been capable of providing professional integrity with a friendly and personal touch.

I love Karen because I saw her about 4yrs ago and when I went back she remembered me. I also felt anxious, lost and confused before I went but when I left I felt confident, well informed and excited about not only the prospect of buying a house but our whole financial future 🙂 thanks Karen

Karen was very helpful in sorting out my finances after my bank wouldn’t arrange a home visit. She was able to come to me and discuss our options and sorted everything out quickly and efficiently. Karen will always be my first stop when needing finance assistance as her service is impeccable.

Karen is down to earth and easy to get on with.  She has helped us buy a home, and some years later helped us buy a rental property.  This was quite difficult for me to understand how this was possible, and with Karens patience and guidance It all clicked.  I consider Karen to be a friend and I would recommend her to anyone. Karen still sees us twice a year to make sure we are on track.

Love how Karen and her team bent over backwards to enable us to obtain the best mortgage loan recently. Nothing is too hard for Karen and the assistance doesn’t stop once the loan is through, she continually offers assistance and ensures we are happy with the loan package.

Yes, Karen always has demonstrated high professionalism and excellent relationships. We are very satisfied with Karen service.

We were accepted and treated like family by Karen and her Smartline Team, they made the whole overwhelming process such a breeze. To be honest with you what’s not to LOVE about our Smartline Adviser she is truly amazing at what she does. Thank you, Thank you, Thank you.
Michael & Louise

Karen has always worked around our busy life to come and see us and we are grateful of her advice, follow up and update emails. We value her advise greatly and we look forward our next meeting.

From the beginning I have been awed by the professionalism, courtesy and knowledge of Smartline. That was the beginning. Over the years since our relationship began I have had regular communication on new rates, market movements, celebrating birthdays. No other broker in my history has maintained such a positive relationship.

We love Karen because she moved heaven and earth the help us buy our first dream home and moved into our hearts and became part of our family. Karen has stayed with us and is now helping us in the plans of buying an investment home. Thanks Karen
Paul & Amanda

People like Karen Le Comte and her team at Raby Bay are the reason why Smartline is such a success.

We applied for a home loan and although it did not proceed, the reasoning was explained thoroughly. At the end of the day, had the loan been approved it would have made our financial situation very tight. We appreciate the openness and will consider using Karen in the near future.

Karen Le Comte. Thank you Smartline for helping us get our first home we tried getting a Mortgage last year weren’t quiet ready so Karen gave us hope, stayed in contact with us ever step of the way, in no time we were approved Smartline has changed our life’s.

She went above and beyond for us and put up with my thousand phone calls everyday offering reassurance and guidance. We will be utilising her when purchasing future investments.

Karen and her team a fantastic , full of knowledge and are very respectful. They all are well versed and team work is unbelievable. I am contacted in a timely manner and my query is resolved professionally. I credit purchasing my investment property to Karen who believed that I should own one and she jumped through hoops to make it possible. I never feel like I am a burden but a valued customer.  Many thanks and well done Karen, and also to everyone else in the office Jackie, Erin and Jillan.

She was extremely helpful in dealing with my partner and I. We aren’t very experienced and she explained all that was required in a way would could understand. We will be using her for all loans in the future.

Karin Le Comte and her staff were the complete answer to my mortgage process; efficient, accessible, reliable and they made the process understandable and stress free.

Whether it’s number crunching, loan application or monitoring the status of our accounts Karen are right on the ball doing all the hard work for our overall best position – love my broker.

I think I was one of the original clients when Karen was starting out. I was looking at 2 investment properties at Thornlands at the time. Karen was instrumental in these purchases and with my current home in Greystanes NSW. I am always constantly updated on current issues by her and her staff and nothing is an inconvenience whether it’s a simple chat or check up on the best interest rates. Karen’s Smartline office is friendly and professional and never forgets where it began.

We tried using another group and the taxation office audited us because they thought we were making up the figures for our investment property they were so outrageous. Karen fixed it all with ease and turned a hideous situation around. We’ve been well looked after ever since. We won’t change!

Karen gives good advice and we received the best deal from her 10 years ago before starting as a Smartline adviser and we have returned to see her again when requiring advice for our son to enter the property market.  Her honesty and integrity is second to none and we would recommend her to anyone looking for advice with their mortgage.

Karen is very professional, she provides all the information at a level we can understand and also cares about the outcome.

Karen and Team made the entire first-home-buying experience easy. Karen listened to what we wanted and recommended the perfect product at a great rate. The Cleveland Team are always happy to answer our endless questions (of which there are many). Even though settlement has occurred the Cleveland Team are there to support us, liaising with the bank on our behalf. Thanks Team!

Nothing is too much trouble for Karen and the Smartline team at Cleveland. Karen’s expert assistance and advice has enabled us to plan and put into action a healthy retirement plan. I cannot believe how easy the whole process has been from applying to settling our loans.

We appreciate Karen’s willingness to think outside the square and go the extra mile to assist with a solution to our ‘out of the ordinary’ situation.

We have been dealing with Karen for many years and her enthusiasm never wanes. She gives 110% and then some to her clients. Nothing is too much trouble for her and she has built up a brilliant support team!!!

We have purchased 3 housed in 4 years thanks to the guidance of Karen Le Comte!

I would never leave my Smartline Advisers because I don’t think there is another office where I could possible feel more supported and encouraged to be the best I can get.

Karen and the staff at Cleveland were extremely efficient in sourcing a loan for my family trust to purchase a property. Being my first investment property purchase since my divorce, it was important that I received the right advice to secure the best loan available to rebuild my future.

We love our broker (and her staff) because she has always made every effort in making sure we understand every aspect of our home loan. She and her staff are always available to answer any queries. Customer service is exemplary. Thank you for making buying our home free from worry. 🙂

The help and understanding I’ve received have been exceptional, any questions I had were answered more than satisfactory and in a timely manner. Smartline’s services and personnel are second to none.

Karen went beyond “the call of duty”. She and her Team made us feel that we were the only clients they had on the days that we visited or when calling, emailing. Her product knowledge and the level of customer service she and her Team provide ought to be the basis of all Service to Clients – everywhere. It was a real pleasure to deal with them. And we would do it all again. Our Family has also.

We have used Karen ‘s service several times over 5 years. We are always 100% happy with her advice and professional team. Believe me we do not always make it easy for her, yet she never hesitates to deal with any obstacles along the way.

I’ve been dealing with Karen for 20 years plus, wouldn’t go else where. Karen and her team are very professional.

Karen made it all seem so easy.

Karen cared about us – we weren’t just another number.

I have been with Karen since 2000 and have purchased a number of properties in that time. I use no-one else and have recommended her to numerous friends and family members. Their feedback has always been positive.

Best service all round that I have experienced in many years. I would certainly recommend Karen and her team to anyone and everyone. Thank you.

The whole team at the Cleveland office were very helpful with any queries and keeping us up to date with the loan progress. The important thing for us was the down to earth and approachable manner of Karen and her team. Second time we have used their services and would never think of going to anyone else.

Karen Le Comte was what I would describe as “a person that will ensure it happens”. She was so up to date with products from all areas of banking, insurance and accounting. She genuinely portrayed a willing and eager approach to ensure our financial situation was streamlined and customized to our personal needs. Karen’s follow up on all areas was absolutely wonderful and so too was that of her support staff. I look forward to further dealings with Karen and Smartline.

We now feel our financial future is secure thanks to all the help and advice we received from Karen Le Comte and her team.

Smartline Personal Mortgage Advisers puts the personal into mortgage advising and they instil a strong sense commitment to your interests. They listen to what you need and find the best option to suit those needs.

Karen always makes the process run smoothly. She is easy to talk to and a pleasure to deal with. We will always go back to her and would recommend her to anyone looking for financing.

Karen provided a totally professional service and was in contact with me regularly to let me know the current position in relation to my loan. She was great to deal with and explained everything to me thoroughly. Thank you.

Karen and her team at Smartline once again offered fantastic support and service. They went out of their way on several occasions for us and again got us the best loan possible to suit our needs. I would’nt hesitate to use Karen again and have referred several other family and friends to her.

Our Smartline Adviser put us completely at ease in what is a stressful situation, particularly in the current financial climate. She went out of her way to locate and explain the options that suited our requirements. Her final recommendation was fully explained to us and once we accepted that recommendation, the execution was both quick and painless for us. The Smartline team in the Cleveland office were also all up to speed with our activities and complemented the direct feed back from our Adviser. We whole heartedly support the Smartline processes and will recommend them to all our family and friends.

With short notice and complications of international travel plans at hand, Joy was cool, calm, collective, supportive and professional throughout the entire process of assisting us to secure the loan for the home of our dreams.

A great experience in working with the team from Cleveland, we received excellent service and would happily recommend them.

We were referred to Karen Le Comte by our real estate agent and Karen was wonderful! We would call or email, and always receive a prompt reply. We had a rather messy situation, that was made so simple! Thanks Karen, we would highly recommend you to anyone!

Karen at Smartline Cleveland is very professional, explained everything thoroughly and also provided the right product for us. I would have no hesitation in recommending Karen.

Karen was so knowledgeable about all our options and made sure we understood them. She also looked at the ‘bigger picture’ which lead to the advice she gave us and we in turn felt comfortable with her suggestions on how best to make our money work for us!

Karen and her team provided us with exceptional service throughout the purchase of our home. This was particularly important as it was our first home and we had many questions regarding the process and the products on offer. The ongoing market information and support they have provided has been extremely helpful and we have no hesitation in referring them to our friends and family.

The Smartline team in Cleveland QLD have achieved for us what one of the big four banks and two other Mortgage Brokers could not or likely did not know how. Thanks to Karen, Joy and Amanda.
Byron and June

Karen Le Comte and her team have always been a great help to us. I just love the thought that I know I can trust them to get the best for us and with them doing all the leg work. I have been with Karen now for 10 years and just love her work, she is so switched on. Love, trust and admire the lady.

Karen Le Comte would have to be the friendliest, most switched on business woman I’ve ever met. We would definitely use her again and recommend others do the same. Thanks.
Cathy and Alan

Karen was very helpful and professional, her banking networks and understanding of their processes greatly assisted the securing of my business loan.

It’s been a pleasure dealing with Karen and her staff, they keep you well informed throughout the whole process. I wouldn’t entertain going anywhere else.

The team at Smartline Cleveland were very friendly and helpful. We would not hesitate to refer them to our friends and family.

Very easy process, that ran smoothly with no problems. All the ladies in the office were a delight to deal with, friendly and professional.

This was not the first time I have used Karen and her team and it was comforting to know that they still maintain the exceptional service with a ‘nothing is ever to hard’ attitude. Thank you again Karen and the Smartline Cleveland team!!

Being a newcomer into the investment property market, Karen was able to alleviate all of our fears and guide us in the right direction throughout the whole process.

Smartline provided a fantastic service for me and my partner. The process of purchasing our first house together was far less intimidating with Smartline’s support.

Working with Karen and her team helped to take out all the anxiety and pressure of applying for an investment loan, renegotiating my current home loan and recently a personal loan. Their professional approach was outstanding. Ursula and I felt like we were part of the family and not another client. I have referred friends and family to Karen and her team, the feedback I have received has been positive from everyone that has dealt with the Cleveland Smartline office.

The meetings we have had with Karen and her team after hours (at times to fit in with our schedule) have been professional but delivered with a friendly manner. Smartline Cleveland tailored our home loan to suit our needs in the changing financial market, both Diane and myself are lucky to have Karen and the team as the first line of defense between us and the bank.
James and Diane

I found everyone at Smartline Cleveland very friendly, helpful and knowledgeable. I would and have passed on Smartline Cleveland’s details to friends.

Karen and her team explained the mountain of paperwork simply and clearly and made dealing with it a breeze. The service overall was prompt, professional and friendly and the loan combination and rate obtained well suited to our circumstances.

We have a five year relationship with Karen and her team at Smartline Cleveland. They are always very professional and get us the results we expect every time. The team at Smartline keep us up to date with the financial market giving us the opportunity we need to grow our property business successfully. We hope to continue to have a long and prosperous business relationship with the team at Smartline Cleveland.
Amy and Peter Lovegrove, Continuum Group P/L

It was so great to have someone else do the “hard” work, complete forms, check out the best rates and ensure that the deal was the best one for me. Not much fun fitting this sort of thing in when you are a full time worker/full time mum, so having someone doing this meant no lack of sleep for me.  Thank you to Karen and her team.

Smartline Cleveland were very helpful and we felt comfortable all through the process of selling our house and buying land to build on. We would have no hesitation in referring them.

Everyone in the office is friendly and willing to help.

We have used Smartline twice now and on both occasions have received a very friendly and professional service. I would highly recommend Smartline to friends in the future.

Karen and her staff provided professional and excellent service and explained all information in plain English. Fantastic to have a broker to be up front and very trustworthy. Great service Karen keep up the good work.

The staff are so friendly and helpful. They made our first home buying experience a breeze. They kept us informed every step of the way and even bought us a house warming gift at the end!!

The personal and professional approach of all staff at Smartline Cleveland was excellent. I always felt like I was the most important customer they were dealing with.

Karen and her team at Smartline are always available to discuss options available and they continually follow up and see how the client is going. The service provided by Smartline is the difference and I will continue to refer the services of Smartline to others. Thank you all for your commitment to great service.

My wife and I were very pleased with the service and promptness we received from Karen and the girls at Smartline Cleveland. Keep up the tremendous work.

We have accessed Smartline on two occasions now and both times we have been very pleased with the outcome – We have and will continue to recommend Smartline to family and friends.

My adviser was upfront and honest about my financial situation and was open about helping me and telling me my options for the future. I would recommend Karen to anyone.

Karen Le Comte and her team have provided excellent service and advice every time we have used them. We will continue to use them and recommend them to our friends and family!

Karen, Michelle and Julie were exceptional in their service. We felt more like we became friends, rather than became clients, as they were so friendly and approachable and nothing was too much trouble. Their extra thoughtfulness (like the birthday card complete with scratchy) puts them way ahead in customer care and I would have no hesitation whatsoever in not only using them again, but also recommending them to anyone seeking such a service. Thank you Karen and staff.
Michelle and David

I hope to use and continue to use Smartline into the future with my investments, etc. I have a high regard and respect for Karen and her team.

Great service yet again from Karen, Michelle and Julie.

We were on holiday during the loan/settlement process and Karen from Smartline Cleveland liaised with our accountant, solicitor and the bank to make sure the process went smoothly.

When seeking finance for our new business the Smartline team found us the best deal and streamlined the application process for us. We are very happy with their service and will be seeking their assistance again in the future.

Karen and her team truly know their stuff when it comes to the products and services offered by Smartline. I would highly recommend them to my friends and colleagues.

Very helpful and intelligent staff who are happy to provide a service better than what else is out there.

Karen and her team at Cleveland made everything easy. Nothing was too much trouble and all of the processes were achieved in a timely and professional manner. I have already recommended the Smartline Cleveland team to others and they have been very happy as well.
Thanks Karen.

I would like to thank the team at Smartline Cleveland for helping us through the process of finding the right finance for our situation and wish them all the best for the future.

Karen and her team are professional, yet warm and approachable. Our home loan and subsequent top-up on our loan was handled quickly and simply with no drama’s. We have no hesitation in recommending them.
Tracy and Sharyn

The whole Smartline team are very helpful and friendly, especially Julie the receptionist. They helped us when the banks said we had no hope. We would definitely go through Smartline again, and have no reservations in recommending their services.

Smartline exceeded every expectation we had, making a process neither of us were looking forward to actually an enjoyable experience. They were always prompt in returning our calls and obviously had great communication between each other, as if Karen was not available then Julie or Michelle would knew what we were talking about and how to help. They made the extremely complicated processes easily explainable to us so we understood what was going on and really made us feel like they had our best interests at heart. We shopped around and went to banks and other mortgage lenders and didn’t receive half the service for all those places combines as we did with Smartline.

Karen and the crew from Cleveland helped me through the whole loan process as previously my ex had dealt with all of this sort of stuff. They looked into all aspects of my loan and savings, etc to try and make things work best for me.

I would recommend Karen and her team to anyone, they are all “second milers” and nothing is too much or too hard. They will get the job done right and on time!
Satisfied customer – Ken

Karen is not only very skilled in her area of business, she is truly interested in doing the best she can for every persons’ situation. I have passed her details on to many of my friends and also sporting clubs, who are now also becoming clients of Karen’s.

I have already recommended Smartline to friends and family. My particular re-financing package was quite complicated due to poor advice and loan structure I had received in the past. This was further complicated by the bank closing the wrong loan down and complicating the whole process. Smartline stuck with me the whole way through and resolved the problems with the bank. I have used numerous banks and brokers in the past, but will remain with Smartline for all future finance arrangements.

I was really impressed with the service provided by Smartline. Thank you Richard for everything! Richard was very patient and accommodating and made this process so easy and I am very grateful. Thank you also to Michelle and Julie for always being so polite and efficient…nothing was a problem and always done with a smile. Thanks Team!

I found myself extremely pleased at the willingness in which this Brisbane branch showed to us. They found us the right loan and even got a loan at one of the most competitive rates I have seen for a long time. Overall we are so thrilled at the work that Smartline put in to ensuring that we got the house that we wanted. Thank you.

Karen and Smartline Cleveland are a top team. They have great service and have kept us updated at every step with our finance application. I never feel like just another account. I would highly recommend them and will continue to use their personal and efficient service.

Richard from Smartline in Cleveland QLD was a god send and I have already highly recommended him to other members of my family. When we purchase again one day I will definitely be giving Richard a call.

The whole team at Smartline Cleveland was a delight to work with. Nothing was too great an effort, always considerate and helpful with happy dispositions. I would consider working with them again if the situation arose again.
Jennifer and Lindsay

Karen and her team were very professional yet friendly and approachable. We trusted her to find the best loan for us and the process was smooth and hassle-free. We wouldn’t look elsewhere and would happily recommend Karen to all of our friends.
Tracy and Sharyn

At a very stressful but exciting time of our lives, Smartline helped us to make the right decision so that we could commit to a mortgage with peace of mind knowing that we had chosen the right loan for us. The staff were always friendly and approachable and any problems we encountered were always dealt with promptly and satisfactorily.

We will certainly use your company again in the future. You were very helpful and did not give up until you had a loan approved for us. We have already told friends about your service. Thank you.

Richard and the team at Smartline Cleveland exceeded our expectations and really took care of us through every step of the process. Our friends recommended Richard and we will certainly do the same to others.

Len and I were really impressed with Karen Le Comte. Her wealth of knowledge about the loans available was impressive. She was very friendly and approachable and has remained in constant contact with us. The team at Cleveland delivered great customer service. We would definitely use them again and recommend their services to friends.
Julie and Leonard

Having only ever dealt with the banks directly, it was a new experience to use a broker. Having now dealt with Karen and the Smartline team, I doubt I will ever need my so called relationship manager at the bank again!

We have dealt with Karen in the past and were so delighted with the attentive service she gave us then that we did not even consider contacting anyone else this time. Now that she is backed up with Michelle and Richard, the service is even better (if that is possible). They are a delight to deal with – very positive and supportive and keep you fully informed at all times. If a hitch arises they are on to it immediately to clear it straight up. They are wonderful, friendly, people to have on your side and we recommend them whole heartedly to anyone wanting excellent, quality service.

We are people with no previous experience of house buying and so we felt the service was very honest, down to earth and friendly. We found them to be approachable and knowledgeable every time we rang for answers to what may have been the most obvious questions to some. After the settlement we found that they still wanted to help with our questions and we felt very comfortable and welcome in their office. We wish them well in their business.
Donna and Thomas

I dealt with more than one person at Smartline and everyone I spoke to was wonderful, and explained different bits and pieces to me in a simple way so it made the process easier.

We would definitely recommend you to our friends and family. We had tried other financial brokers previously and it seemed our position at that time was too difficult for them to manage. We were referred to Smartline by a friend and we were surprised with the service we received. We also got what we wanted. Obviously no job is too difficult for Smartline, Cleveland. Thanks guys!!
Phil and Mel

We were very satisfied with the service we received with a great result, we are very satisfied with the outcome and will definitely call on Smartline to help us next time we need them. Thank you Smartline.

My consultant came to where I was living and made the job of filling in the application forms so easy and then met me at the mortgage office for the final signing and took all the worry out of that, for me too. They kept me informed throughout the whole time of the application process and organised my loan very quickly. I could not fault any thing.

From our first contact at Smartline we were impressed with the personal and highly professional service. What we found refreshing was that the people we dealt with knew what we wanted and were in there batting for us. Our loan had some unusual twists but our consultant, Karen LeComte, made sure she understood the issues and relayed those effectively to the lender. We have since referred some of our friends and associates to Karen and will continue to do so as we know they will be looked after extremely well. My wife and I will be eternally grateful to Karen and her team for doing the impossible.

The Service, help and communication from Karen’s Smartline Team was fantastic. The care given to my loan needs made me feel very valued and anyone I spoke to from the team was helpful and full of great advice. I had special needs for my loan and they made what could have been a hard and stressful process as easy as can be. Thanks again for your wonderful service, great advice and personal touch.

I really felt that Smartline was working very hard for us to give us the best result. Many thanks.

The friendliness and care taken by Karen LeComte and her staff was excellent. It helped us to settle in Australia and be pleased that we had made the move from England.

Being in my 40’s and recently separated I was not sure on how to approach getting a loan, but with the guidance and help from the team at Smartline I now have the home for my future. Thank you to all.

I can highly recommend Smartline for their professionalism in finding home finance for me. My project wouldn’t have got off the ground if not for Karen Le Comte at Smartline.

The staff at Smartline are friendly, approachable, professional and readily available to assist with matters as they arise or matters they may see coming from financial reports. I was greatly assisted by Smartline and will always appreciate their excellent attention to detail especially as my situation required dealing with financial institutions and Solicitors in NSW, QLD and WA.
I believe Smartline is a well organised and professional business. They appear to be well versed on many aspects of a financial nature and I would highly recommend them to anyone.

We found Karen and her team to be extremely helpful and more than willing to assist at any time. Our son also used Karen when the time came for him to buy his home.

I found Richard very easy to deal with, and prepared to meet with us at any time to answer any questions that we had regarding our finance package. His help made the process a lot less stressful.
Tedd and Debbie

The service from the Smartline crew at Cleveland was well above and beyond the call of duty, their service was sensational!!!!

Hi Karen and the rest of the team,
Thank you so much for all your help to get our house. Everything has gone so smoothly. Every time we were stressing, you guys would explain things so well. It took a major part of the stress away. Thanks also for the package you sent with the goodies.
All the best guys,
Mike and Christine

Thank you so very much for my box of goodies. You didn’t have too but its really appreciated. We are so happy that all went well yesterday with settlement. We have chosen all of our selections so now we just waiting for Javica to start the building progress – we’re so excited about it all. Once again – thank you so very much for your help, guidance and patience. You are the light at the end of Rog and mine tunnel in that we can now live the dream of settling down on our acreage. I really didn’t think we could have made it without you. THANK YOU.
Roger and Belinda

Just a note to say thanks for your patient assistance with my recent home loan. I was lead to believe that banks were fairly painful to deal with, however I did not find this so. I don’t know how you did it but thanks also for processing it so quickly. Much appreciated. God bless.

Dear Karen,
Please accept this small token of our appreciation for all your hard work and help you have given us over the past six months. You have helped us tremendously and for this we thank you. In your capacity as loans officer, you recognised us as individuals and believed in what we could do, adding a personal touch which was appreciated. Many thanks.
Gerald and Anita

Many thanks for all your help, advise and expertise in transferring my housing loan.
Warm regards.

Karen, we cannot thank you enough for the time and effort you have put into organising our loan. Don’t take your magic show on the road though, stay where we can find you! thanks
James and Ness

Thank you for your help. It was greatly appreciated.
Trisha and Dave

Dear Karen,
You know I think your the best asset Smartline has but did you know that your genuine warmth and skill also classifies you as one of the best assets I have?


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