mpa-top-100-brokers-2016-medal-1Kapil Nepal – Personal Mortgage Adviser

Kapil Nepal brings 16 years of experience to the Smartline team. Since joining in 2012, it’s a skillset that’s earnt him a spot on MPA’s Top 100 Brokers within his first four years, and many more Smartline awards spanning the past three years.

As a personal mortgage adviser, you’ll find that his client testimonial page is filled with five-star service ratings, which comes with no surprise, due to his diligence and hard working ethic when it comes to providing top-notch financial services.

In his day-to-day operations, Kapil’s multilingual background proves a huge asset – he can speak Nepalese and Hindi, as well as English, to connect with clients in a friendly, approachable manner. One of the qualities that Kapil holds highest in his service is his excellent communication. He actively listens to what clients need and identifies the right solution, making sure that the home loans for his clients are competitive in the current market.

Kapil specialises his services mainly to Sydney’s metropolitan and interstate areas, and being fully mobile, can expand his client base to many that have been referred to him through good reviews.

It is this solution-orientated mentality that makes Kapil such a great adviser to have on the Smartline team – all your short and long term goals will definitely be covered.

He offers a fully mobile mortgage advisory service and is available to assist clients throughout metropolitan Sydney, covering the areas of Glenmore Park, Penrith, Blaxland, Orchard Hills and Mulgoa, as well as those living interstate.

Industry Awards

National Smartline Awards

  • Smartline Franchise Owner of the Year Award Finalist (NSW/ACT) 2015, 2016, 2018, 2019 and 2020
  • Smartline High Achievement Award 2018 and 2019
  • Smartline Client Care Award Winner 2017 and 2019
  • Smartline High Achievement Award Winner 2014, 2015, 2016 and 2017
  • Smartline Franchise of the Year Award Winner (NSW/ACT) 2017
  • Smartline Business Growth Award Winner 2014 and 2015
  • Smartline Marketing Champion Finalist 2017 (NSW/ACT)
  • Smartline Lender Choice Award Finalist 2015 (NSW/ACT)


Utsab Bhaukaji – Personal Mortgage Adviser

As a Loan Writer with Smartline Parramatta, Utsab offers intelligent advice backed by sound industry knowledge, and helps guide his customers through each stage of the lending process. His client-focused approach is informed by careful consideration of what he refers to as the ‘three C’s of credit – Character, Capital & Capacity’.

‘In my opinion, honestly, integrity and consistency with hard-working personal ability is essential in a mortgage broker,’ he adds.

Utsab holds both a degree and diploma qualifications in accounting and finance, and has worked in a variety of financial roles since 2015, most recently with a large multinational firm. “In my role as Finance Assistant/Officer with this organisation, I gained high-level experience and an immense knowledge of accounting, finance and its principles from core level,” he says.

Since joining Smartline as Broker Support Officer in 2019, Utsab has gained a comprehensive knowledge of the many different loan products available on the market and the different ways they can benefit clients, depending on their unique circumstances and personal goals.

His dedication and industry expertise is complemented by a commitment to delivering excellent customer service. “When arranging loans, my first priority is client satisfaction,” Utsab says. “The motto of my life is ‘Never Give Up and Be Consistent’, and I apply this to all areas of my professional conduct.”

Utsab specialises in assisting clients with residential home loans, both owner-occupied and investment.  Based in Parramatta, he offers a mobile service across Sydney and is happy to work with clients in regional NSW, ACT and VIC, QLD, TAS, SA and WA.