Utsab Bhaukaji – Personal Mortgage Adviser

As a Personal Mortgage Adviser with Smartline Hornsby, 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 Hornsby & Waitara, 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.