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1198 Burke Rd, Balwyn North VIC 3104

Client Reviews

What Lou’s clients say about his service

Smartline advisor Lou Costabile patiently and thoroughly explained the entire process and gave me comfort I was always making the right move from start to finish. Would highly recommend. Cheers Lou!

Lou Costibile from Smartline was an absolutely wonderful mortgage broker. With so many different types of loans, rates and packages available, Lou looked at exactly what we needed and found the best for us at an extremely competitive rate. Whilst buying a house should be a very stressful time, Lou put our minds at complete ease by answering every question (even the silly ones!) with kindness, a sense of humour and professionalism. We really appreciated his advice, particularly with his many years of knowledge in the property and banking world. We would recommend Lou from Smartline to anyone looking at purchasing property and loved being his clients. Thank you Lou!

Lou’s wealth of knowledge and the help he gave us was invaluable in purchasing our first home. He is fantastic at what he does and would recommend him to anyone looking for mortgage help and advice.

Lou was informative and was able to explain technical information about home loans in the easiest of ways. He was extremely helpful and found the best home loan to suit me and my financial situation. Thank you!

We received great a great service from Lou. He was flexible and accommodated for our specific requirements. Many Thanks.

Lou was fantastic. He was very helpful with any questions and made sure I understood everything, no question was a silly question. Lou was also very available and went the extra mile.

Lou was great to deal with, gave us the best options for our situation and helped us get the best deal.

In his dealings and ability to get the job done right and quickly, Lou is an exemplar.

Lou Costabile has great people skills, he works very closely with his clients and he is a great guy.

Lou was extremely diligent from the onset, he was obliging without obligation. Lou is in my opinion an asset to your business.

Awesome service!

We have no hesitation in recommending Lou Costibile for all your mortgage requirements. Professional, prompt and reliable, our only regret is that we didn’t seek his services sooner. Financially, we are now on the right track. Thanks Lou!

Very professional,  the little things that count.

Lou is a friendly and helpful person who went out of his way to help us with the loan and give us the right advice.

Thank you for helping me buy my first home! Doing this for the first time seemed so confusing but found so much help from Smartline and they were able to answer all my questions in ways I was able to understand. Thank you

Lou was fantastic!! Couldn’t ask for anything more !

Lou’s approach is personal and he went the extra mile for me. I can trust that Lou will get the best and right product for me.

Lou was a really patient and informative broker that made us feel comfortable and helped us understand what was involved in purchasing our first home. We never felt rushed, and appreciated his honesty. He was polite and professional and was available to help us at any stage, even after hours on two occasions. Nothing was ever a drama or a hassle and he ensured everything just went smoothly which is what we wanted from the start.

Lou was always contactable & answered all questions in terms we could understand. He always travelled to our home to discuss any matters with us which was fantastic as we have a young child so it’s not always easy leaving the house around nap times etc. Have passed his details & recommended him too many friends already.

Lou was most approachable and understanding. He always got back to me if he wasn’t available when I called.

Definitely will be using Lou for our next property. Thanks again for all your assistance through this process. Regards,

We have utilised Lou on a number of occasions and have strongly recommend him to family and friends. Very professional and upfront.

Lou was excellent. In particular, he is great at explaining relatively complex loan structures in a simple and easy to understand manner. I’d strongly recommend him to any friends and family looking for home finance, and already have.

Lou has been a fantastic adviser and very generous with his time and advice. Thank you Lou

Lou provided a great service and I would happily recommend him to family and friends.

My partner and I had no experience in real estate. Lou helped us immensely and gained our trust immediately with his expert advice and friendly attitude. We couldn’t feel luckier to have had such guidance through the process of buying our first home. Thank you!

This is the second time I have used Smartline and this is the second time I have been impressed, thank you Lou.

I would like to thank Lou Costabile for his excellent service, experience and dedication throughout the whole loan process. His friendly manner, wealth of information and advise on money matters positions Lou ahead of the rest. We are extremely happy with the product offered and interest rate. I would recommend Lou Costabile any time. Thankyou Lou!!!

Prompt. Professional. Thorough. Ethical. Already referred to my family.

As far as we’re concerned, Lou Costabile is the only choice for mortgage advice! Jess and I are grateful for all your support. With thanks, Kieran.

Lou is very personable and is very considerate of his client’s needs

Lou made selecting the best loan for me and made the steps organising it simple.

Outstanding service, Lou from Smartline was always contactable and helpful and also kept in mind the financial impact of decisions that we make through the loan process to minimise debt. We have now had 3 loans done through Lou and always a great experience. Great friendly service, highly recommended.

I was very pleased with the way my adviser conducted everything. I’ve already recommended to few friends and if I will need to, I will certainly go back to Smartline. Thanks

My partner Lach and I LOVE our Smartline Advisor, Lou “SuperStar” Costabile, who has gone beyond the call of duty to help us on our journey to home ownership – achieved yesterday!  On-the-money professional advice, whenever we need it, teamed with reassuring words backed up by years of experience. Thanks Lou!

If it wasn’t for Lou my husband and I wouldn’t have bought our wonderful home, it’s as simple as that. We saw Lou in a hurry, late on a Friday night, just before the auction. He went through the figures and gave us first home buyers the confidence to bid!!

Lou was recommended to us by another friend, who now many of our friends have used. He ‘dumbs’ the financial jargon down so that it all makes sense, whilst never ridiculing us for lack of knowledge. Furthermore, he was always contactable and met all expectations and deliveries we expected of him. He is a great Financial Advisor for choosing the right loan. Thanks, Natalie

Very good service, thank you.

Living in London, it wasn’t a problem getting in touch with Lou and everything was very smooth as far as long distance mortgage advice goes. Great job!

Brilliant advice, efficient service, very happy with the outcome  – thank you Lou

I have worked with Lou for many years now and he has always been there when I need him. His professional advice as well as exceptional level of service truly makes him stand out from all other Mortgage Brokers I have known.

Lou Costabile was fantastic to deal with – kept me up to date the whole way through. Will definitely refer/recommend his services to family and friends.

I cannot speak highly enough of Lou. He is professional, astute & exceptionally knowledgeable about what product would match my needs in the short and long term.

Appreciate Lou’s hands on approach and commitment from beginning of process to end and then follow-up.

Lou was very helpful in explaining the whole loan process and how the bank works, from the very start in every detail even a few times over if I had questions. He was helpful in making me understand how I would have to proceed and his advice and help was always at ready. The whole process was a smooth experience and I would strongly recommend him to my family and friends.

The service provided by Lou Costabile was impeccable. He has been professional and courteous throughout the entire process and his subject matter knowledge is extensive. Nothing was too much to ask of him and he went above and beyond the call of duty to ensure we received the best loan. He took care of everything and it was wonderful not having to deal directly with the bank!!

Lou made the process of finding the right home loan as easy as 1,2,3! He was genuine and caring being totally focussed on my needs. His initial contact was prompt, and his research and follow up informative, considerate and timely. Nothing has been a trouble for Lou – a lovely man and absolute expert in his field.

Great service, thanks

Lou, is a great Adviser keeping us informed every step of the way and making sure we are across all the details by going out his way to show us. Thank you, highly highly recommended Lou to any buyer.

We have already recommended Lou to a number of our friends and he has also provided them with outstanding service and given them a comfort level that they are no longer anxious about their financial affairs. We love him.

Lou is always very helpful, informative, and provides the best products for our needs. We always recommend him to our friends and family and will definitely continue to do so. Thank you Lou!

Life is a gift. I prefer to celebrate this gift by giving and receiving service. So wonderful to be on the receiving end. Thanks Lou.

We are so grateful to our accountant for referring us to Lou Costabile of Smartline. From our first meeting a few years ago, Lou has been our ‘go to man’ when it comes to any financial decisions we make.Every phone call, email or text we send him, is immediately returned or followed-up.He ensured we were well-informed and felt comfortable throughout the whole process.The day of settlement on our new house, an issue arose which threatened settlement from going through.As our conveyancer and bank squabbled over whose responsibility it was to fix the problem, Lou took it upon himself to sort out the issue even though it had nothing to do with him.His sole concern was for us, his clients and it’s thanks to him that settlement went through that day.We will definitely deal with Lou again and highly recommend him to anyone looking for an adviser who is professional, trustworthy and has your best interests at heart.


Lou was a fabulous broker who went above and beyond what we would have expected of him in recommending a lender and getting our loan set up. We were very impressed with the service we received and have already recommended Lou to friends, one of whom has used Lou as their broker and was similarly impressed.

Nice and easy. Lou is very knowledgeable and walked us through every step.

Lou provides exceptional service; he explains everything very clearly and we would not hesitate to recommend him to our family and friends.

Lou is one of the most knowledgeable, professional and approachable financial representatives that I have ever encountered. I believe he is a huge asset to Smartline and have enjoyed dealing with him every step of the way. Don’t ever let him go!!!

Lou was MORE than helpful and informative – he went well above and beyond for us particularly at settlement when there were issues with conveyancers and banks. He was always contactable, kept us informed at all times and was an absolute pleasure to deal with!! We will be recommending Lou to our family and friends without hesitation!

Thanks Lou, Appreciate the hard work and ongoing support! Lou made buying my first house an easy experience, looking forward to a long life of debt, but no doubt with your help and support I will get through it and then buy another house and start the process again! Thanks again!

Great service, friendly and we were made so at ease by our adviser it made the whole process so much easier and stress free.

With the uncertainty in the market lending arena, our Smartline representative was always on hand to alleviate our fears of moving away from dealing directly with the “big four”. The transition was smoother than we could have ever imagined.

Lou has always provided us with great product knowledge, and kept us well informed throughout the whole process. He has been a pleasure to deal with.

Lou Costabile made the daunting task of applying for a home loan absolutely seamless. My wife particularly appreciated his ability to communicate the different aspects of the home loan in very simple language. An absolute pleasure to work with!

Lou provided us with all the advice and knowledge we needed to make a massive decision to buy our first home a comfortable and painless one. He helped us review our savings, apply for our loan and buy our first house, all over a 12 month period. He was extremely knowledgeable and organised and made us both feel at ease when completing the many processes of applying for a loan. Without Lou we definitely would of felt lost but it was reassuring to know he was always only a phone call away. Could not of done it without him.

We have used Lou for a number of our loans and could not fault him on his service and dedication to our needs. We have and will continue to utilize his services and recommend him to friends.

I met Lou a few years ago, I used his services to purchase my first home four years ago and went back to him, with my partner for our property investment few months ago. Lou has been very helpful and explained to us everything and even helped save us over $20K in mortgage insurance by looking for other products and banks. We will definetely go back to Lou for our next loan – we trust him and think that he would always look after us and provide us with the best advice.

Lou has always been very helpful to us and I would highly recommend him to anyone else requiring a similar service.

Lou is an amazing mortgage adviser, his knowledge and background in banking and bank products is extraordinary, he explained everything in detail and in a language we both understood. He thoroughly assessed our options and presented them to us. Lou always made himself available either in person or by phone, he made the process so much easier than dealing with the banks directly and he secured a mortgage package that was far better than we could have achieved, at no cost to us. Thanks Lou.

Nothing is too much trouble for Lou Costabile. He goes over and above what I believe are his requirements and has made us happy and comfortable with our new financial situation.

Our Smartline Mortgage Adviser, Lou Costabile, was honest, trustworthy, hard working and always strived for the best outcome for us! We couldn’t be happier. The service didn’t stop once the mortgage was signed and sealed. Lou maintained contact and continued to work on better rates and options.

Buying a property for the first time was initially a very daunting and confusing experience. That is until we met our Smartline Adviser, Lou Costabile, who was recommended to us through a friend. Lou was incredibly professional, knowledgeable, committed, available and helpful. He met with us on numerous occasions helping us to understand the whole process and answer any questions we had. He even provided us with market evaluation reports of the apartments we were looking at. By the end of it he was probably sick of our questions about loan products, but he never let on, and continued to meet us whenever we had something to discuss. My girlfriend and I are now the proud owners of an apartment in an area we love. We owe Lou a lot of gratitude for taking the stress out of the whole process! I have since recommended Lou to several friends and family, and intend to contact him again when we are ready to purchase our next home.

We were very impressed with the service we received from our Smartline Adviser, Lou. Being located in London and purchasing a property in Melbourne we were reliant on an adviser we could trust and who kept us up to speed at all times. Our adviser, Lou, was very efficient in answering all queries we had and would always update us at the slightest change of circumstance. The process from selecting a mortgage product right through to settlement was seamless and we are very glad we chose Smartline to assist us with our purchase.

Smartline is a smart choice for all types of buyers. From first home buyers to investors, it’s always good to have someone on your side to discuss options and ideas with. Smartline’s easy to deal with and personable advisers make any type of purchase simple.

My Smartline Adviser was on hand to assist me not only in choosing the right mortgage but throughout the entire process from applying for the loan to wading through the mountains of paperwork. I would have been totally lost without him!

The Smartline Adviser was really friendly and cooperative. The service was very efficient and professional.

As first home buyers we had confidence that Lou was looking after our best interest, with his ongoing service of regular market updates we would have no hesitation in recommending both Lou and Smartline services.

We have used Lou twice recently and also recommended him to our son. I would highly recommend Lou.

A big thanks to your friendly and professional staff. The whole buying process was quick and easy to understand, and you have definitely left one first home owner very happy. Thanks Smartline.

We would highly recommend Smartline, we have already recommended Lou to many of our friends. We have been in business for 25 years and Lou helped us to streamline our business, loans, and saved us time and money. Thanks Smartline.
Sabrina and Dierk

Lou Costabile from Smartline was a fantastic help with organising finance to buy our new home. He helped us find a loan that would suit us, getting us the best rate. Most importantly his service, attention to detail and overall care was highly above expectation. Lou was always very easy to contact and came to meet us on weeknights which with work and a young baby helped us greatly. I will without a doubt use Lou again and will be recommending him to friends and family.
Dean, Lucy and Christian

Our adviser was Lou Costabile and we have to say that we are both extremely happy with the professional advise and service that we have received and we would not hesitate in referring Smartline to our friends and family.

Lou Costabile was our adviser and he made the process of our loan very stress free, his commitment to our situation and his availability was outstanding – also the fact he is a wonderful and sincere person was something that my husband and I will always remember.

I was greatly impressed with Lou Costabile’s professionalism.  He kept me “in the loop”, with the bank’s negotiation process. When the banks were to-and fro-ing over settlement dates and final figures and there was no definitive answer, Lou took an undertaking to stay on top of that process, leaving me voice mail messages of updates and a commitment of follow through.  I certainly recommend Lou as a financer. He does his homework and gets the job done!

Often these processes can be a little daunting and quiet stressful, hoping you make the right choice / decision in banks, interest rates, terms and conditions of loan, etc.
The advice and service which I received form Lou Costabile was with utmost professionalism and extremely informative, helpful and very thorough with the process of the loan/paper work.

The support we received from Lou Costabile through the full process, was not just good: it was beyond expectation! Well done!
Rino and Leanne

The point I appreciated most about the service was the full management of the application process. We didn’t have to do much at all.

Our broker was very well informed and provided great guidance throughout the stressful process. Thank you very much and I look forward to using Smartline in the future when we need to restructure our financial affairs.

Lou was fantastic, his help was much appreciated and I would have no hesitation in recommending his services to any of my friends or family.

It’s always difficult as a first home-buyer to get your foot in the door, Lou was our rock through the whole process – he calmed our nerves, kept us on track and allowed to purchase what we never thought we could!

I found Lou Costabile to be an excellent consultant. He came across as being very honest and reliable. He was always punctual for our appointments. He certainly had sound knowledge of information. I felt that he kept us updated at all times and always made an effort to return my phone calls. I would definitely recommend Lou to my friends and family.

I would like to take this opportunity to thank our Smartline consultant Lou Costabile for his help in processing our loan application. He was very professional and made us feel comfortable dealing with him.
I have already recommended friends to Smartline and will continue to do so in the future.

We had been recommended to Lou Costabile through word of mouth. We ran a very busy business – but this was no trouble at all to Lou, who rescheduled meetings where necessary and was extremely patient when we had to attend to customers during our meetings. The product he secured for us, we felt was exceptionally competitive and all of the paperwork and legwork were done by him, in no fuss, leave it to me manner. We will use his services again, and have already recommended him to someone else.

From the first day that we dealt with Smartline we knew that someone was looking after our future. We were always Kept informed and the service was by far the best we have encountered in our lives.
Well done Smartline and Lou.
Stuart and Belinda

Just a quick thank you to Lou for all his enthusiasm and knowledge in helping us to get the most of our financial position and securing the loan. Lou made, what has been in the past an arduous task, an enjoyable and informative part of purchasing our new home. We look forward to dealing with Lou and Smartline Home Loans again and have no hesitation in recommending Lou to others.
Matthew, Renee and Nicholas

Having just purchased a home I did quite a bit of research prior to taking out a loan. I approached my bank and other lenders individually to see the solutions that were best for me. Then I was referred to Smartline.
Their representative (Lou Costabile) was very helpful and I came to the realisation that all my initial research was a waste of time as Lou was able to do the research for me!!!
My objective was to pay off my loan as fast as possible and Lou was able to find a solution from a large selection of lenders based on all my requirements at an interest rate that was far superior.
In addition, the level of customer service was second to none as whenever I had a question I was always given a prompt response.
I would recommend Lou Costabile to anyone needing to take out a loan.


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