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Client Reviews

What Paul’s clients say about his service

Great ability to give suggestions regarding loan, very friendly…

It has been a pleasure meeting Paul.  He was very professional and took all the stress out of the whole process. I am so glad someone gave me his name to contact and I will certainly be recommending him.

Paul Dutton provided excellent service and sourced the best home loan for our needs. I highly recommend Paul service to anybody who needs a home loan. Well done Paul !

I cannot fault the personal and dedicated service from my Smartline Adviser – Paul Dutton. This is the second time I have used Paul and found the whole experience from application to funding as seamless as the first.  The Smartline follow up has been second to none. I will continue to recommend to others.

Paul was a pleasure to do business with. He was very professional and he made the whole process as painless as possible.

Smartline were the only way that we could get a home loan in the current climate.  It’s been a bit of a rocky road to get there, but that was the fault of the financial institution and not our consultant Paul Dutton.

Paul was professional and very approachable and friendly during our entire loan application process. I feel like he was honest and had our best interest at heart.  He made the process very easy and comfortable.

Paul Dutton was referred to me by a friend who knew him to be a well respected Adviser and I’m so happy that I took their advice. Paul sourced a finance package that perfectly suits my situation and made the application and approval process seamless and stress free. He is extremely professional, credible and kept me abreast of the status of my application the whole way through. I found him easy to contact whenever I had my own queries and cannot recommend Paul highly enough. Congratulations on having such a committed and highly regarded member on your team.

Paul was great to deal with.

Paul was absolutely fabulous. He answered all of our questions in easy to understand lingo. I am more than happy with our outcome and would happily recommend him to any of our family or friends, in fact I already have recommended him to someone who has had some financial problems. He was wonderful. Thanks so much for saving our finances Paul!!!

Paul is an outstanding representative of your group, kind regards

Our Mortgage Broker Paul was fantastic, He was readily available at all hours, nothing was to hard for him and most of all, he made the refinance as easy as it should be. We will recommend him to all of our family and friends.

I found Paul very easy to do business with, He goes way beyond his means to make experience easier, I would highly recommend Paul to anyone. Thank you Paul

This is the second time we have had the pleasure of dealing with Smartline and having Paul Dutton as our Adviser. Paul helps us with all matters of our finances from personal to our business. Each conversation I have with Paul is always very informative and he strives to get us the best possible outcome. Paul has exceeded our expectations every time. I recommend Smartline to anyone considering needing mortgage advice, we are more than happy with their services and wouldn’t think of using anyone else. Yours sincerely,
Glenn & Cobi

We have used Paul many times over 10 years for many types of loans and structures. He always finds us the best deal and structure for our circumstances. I would highly recommend Paul and have many times over the years.

We really appreciated that we felt comfortable enough to trust Paul with what we wanted and he delivered. He was patient with all our questions, followed up phone calls with emails (so we could understand) and was always available. Thank you to Paul for being patient with us!

My mother-in-law was living with us and we needed to get her out. Two other brokers said it was too hard to get a loan but Paul said no problem and it went as smooth as clock work. That man saved my bacon.

My husband and I have used the services of Paul Dutton twice to purchase homes. His service far outways any surface we have received before- through any company, we recommended his name on a regular basis. We would have NO hesitation is using Paul Dutton from Smartline again!!

During our move from Redcliffe to Maleny in 2009, the big banks were ‘unable’ to help us buy in Maleny while keeping an investment property in Redcliffe. Fortunately Paul Dutton form the Sunshine Coast managed to pull some strings and helped us achieve our goal.

Paul Dutton, a bloke punching above his weight, came to help us secure a new mortgage at the height of the Queensland floods in 2011. Nothing was going to stop him. He even saved us money! His service and advice is now crucial to our ongoing business success.
Greg and Gayle 

Paul organised the housing finance for my mother in law to relocate from Adelaide to QLD near our family.  Every time Nanna babysits our kids, my wife and I have a glass of wine and say- ‘Thank Goodness for Paul Dutton’.  That’s why we LOVE our broker.

When purchasing our home Paul Dutton made vast difference by making the whole experience not so overwhelming.  It was easy having one person to deal with who explained the offers and process clearly so we could understand.  Support since has been invaluable-never a problem to phone Paul with any questions.
Paul & Annette

Simply put…Paul made our dreams reality…without him we would still be dreaming yet through his work and support we have secured a home for our young family.

I love my Smartline broker Paul Dutton for his continuous support over many years. He is so helpful. I can ring him with ideas I have for investments and he is able to call me back within hours with loan figures enabling me to make quick purchase decisions.

After nine long months of my mother living with us whilst waiting for her house to sell in WA, we decided to rent hers out and buy one. Our circumstances were ‘outside the box’ but Paul could see he needed to perform magic and he did. Paul saved our family.

Would have already recommended Paul Dutton to co-workers in the construction industry.

Paul was fantastic. Really nice guy who really knows his stuff. Got us a great deal and I always felt like we were in safe hands. He was never further than a phone call or an email away.

With many thanks for your SUPER effort in working tirelessly to get us into our new home. Much appreciated.
Dean and Kylene



I have used Paul over the last 10 years and have always found him to be very informative and honest, I would have no hesitation in recommending him to other clients. I have felt at times that I have overburdened him with questions but he has always been positive and attentive to responding in a speedy manner. I believe he goes above and beyond to ensure his clients needs are met.

Paul and I travelled through a long drawn out process together with my loan arrangements due to the complexity surrounding the ‘buy out’ of a partner. A number of loans had to be revisited, scrapped and started again as the legal side of things progressed. Throughout the entire process Paul was by my side assisting me with advice, support and great ideas. He also took the lead in time managing my legal advisors who were delaying the process due to poor performance. I can not thank Paul and Smartline enough for the support I have received over the past 12 months. Many thanks Tony.

Paul has always been awesome give great customer service and nothing is a problem for him, he works very hard for me which is always appreciated, he makes the whole deal stress free which is great. Thanks heaps Paul Kind regards Tony

This is the second time we have bought a home and needed assistance with a home loan. Both times Paul Dutton has amazed us. He has a very good knowledge of the field and is more than happy to answer any questions and is very easy to contact. Will certainly keep his details on hand to recommend to anyone. Thank you xx

Our adviser was extremely helpful. Working our odd hours, it is difficult to find times that suit everyone but Paul Dutton was very willing to go out of his way to accommodate our times. I have already recommended Smartline to our friends. Thank you.

I have dealt with Paul and his wife Tracey for several years now and cannot speak highly of them as people and professionals in their field. When it comes to loan advice or just a good chat they are lovely people to deal with. You know they have your best interest at heart at all times. I cannot recommend them enough

We have used Paul Dutton of Smartline previously when refinancing and decided to go again with Paul due to the excellent service provided. We have referred and will continue to refer Paul Dutton and Smartline to all our friends and family.

Buying a house is the single largest purchase we will ever make. It is hard to imagine a more professional, trustworthy or knowledgable professional than Paul to help us as we became first home owners. He made a daunting and difficult task seem stress free and relaxed. We got a great price on a fantastic house simply because or finances were organised where as the two competing parties were not. We got the house at a great price because of Paul. Every time I look at it, I smile and I know that I will still be smiling in 10, 15 or 20 years. I would completely recommend Paul to any and all of my family and friends.

Paul Dutton was extremely helpful, with it being our first mortgage we were quite nervous, but Paul did a great job finding or not only finding us a great value loan but also letting us know what we needed to do and by when!

We have dealt with brokers before, and whilst we got what we asked for, their business model left a lot to be desired. Paul and Tracey Dutton provided service way over any expectations we may have had, and everything was done so QUICKLY. We didn’t have to worry about a thing. Thanks Paul and Tracey, and thanks Smartline.

I have never been to a financial adviser before and cannot remember who recommended Paul but I am glad they did. Paul has helped us immensely and we have and will continue to use him when and where necessary. He is very professional and explains things so we understand. He was always available when we needed him and his follow up service is exceptional. I have no hesitation in recommending Paul to anyone and already have. I don’t think there is anything else Paul could have done better to help us everything already is great.

For the last 6 years Paul and Tracey have been helping us with our personal and business needs so we will always come back and refer them to everybody we know with out a problem.

Paul was fantastic and I felt comfortable asking him many questions. Paul even saved us money with the lenders mortgage insurance that I had overlooked. Paul was always friendly, approachable and willing to handle my query and I would recommend him to anyone requiring a broker.

Paul Dutton is terrific and really goes above and beyond his normal service to ensure we get the best deal. He is always contactable by phone and makes things happen when deadlines are tight. We recommend Paul and Smartline to all our friends looking for quality mortgage advice.

The service we received from Paul Dutton was far superior to all others. We spoke to two other advisers before Paul and were left with a lot of unanswered questions. Paul always replied to any queries promptly and professionally and made the whole process easy. We were kept up to date during the loan process and on each occasion when we met with Paul we found him to be friendly, informative and professional.
Margaret and Raymond

Paul was very professional in his business of finding the best loan to suit our needs. Although we live in Cairns and Paul is on the Sunshine Coast, the distance is never a problem. As Paul has always said he “is only a phone call away”.

Smartline have proved to be very professional and courteous throughout the process of getting finance for our new home. We went with Smartline’s Sunshine Coast loan guru Paul Dutton to get into our first home in 2006 and his service was so outstanding we returned to him for our second home purchase. I would recommend Smartline for a simple, straight forward and stress-free journey into a time of your life that is rarely simple, straightforward and stress-free!

Dean and Kylene

The personal service and the fact that my business was important to their business was refreshing.

Being in small business, time is money and money is time. The service that we get from Paul and Tracey Dutton we don’t have any problem in our new purchases. We make one phone call to tell them our needs and the ball is rolling not a worry, letting us keep on making money.

Would not use anyone else, Paul Dutton is very professional and we completely trust him to advise us on the best options for our circumstances. He makes the process much easier by guiding you through it each step of the way. We are repeat customers and have sent many friends to Paul, who have been very happy too.

Paul and Tracey Dutton gave us outstanding service, from the beginning of the process of us purchasing our block of land to the final stages with progress payments. Nothing has ever been too difficult that they could not help us with. We will keep coming back and have recommended them to many of our family and friends.

I would highly recommend Paul Dutton. The service provided was A1. I have and will continue to recommend Paul and his team. Thanks again.

This is the second time we have used Paul Dutton at Smartline Cotton Tree for our finance needs. We have found Paul and his team very efficient, informative and easy to deal with. I will and continue to referred people to Paul’s service. Thank you very much again top rate service.

Thank you Paul and Tracey for your outstanding professional service. You have made the purchase of our property a positive and enjoyable experience. We will definitely be calling on you for further transactions and will not hesitate to recommend you to family and friends.

Excellent service, very nice people to deal with.

Paul Dutton, Tracey Dutton and Tracy Berry were absolutely fantastic. They kept me informed through the entire process. The team understood my needs and the complicated financial business arrangement I have. Paul, Tracy and Tracy are can do people who listen and act on your wants and needs.

I have previously used Paul Dutton on two occasions, and recently used him once again – this time for a car loan. He understood my requirements straight away and arranged the loan with the minimum of fuss. I had just started in a new job and had difficulty getting in to sign papers. He especially started work early so that I could discuss the documentation and less than 6 hours later the funds were transferred. I have no hesitation in recommending Smartline to any of my friends.

Paul has been one of the best brokers I have ever dealt with. He kept us informed at every step. I have recommended him to my family I friends with every confidence.

I recommend Paul Dutton to anyone. He is polite, efficient and when a bank came back with a better offer I still stuck with Paul.

Paul and his staff at Smartline Cotton Tree always go out of their way to help us with our personal loans and our business loan. They are always in contact with us, letting us know every thing that is happening with each application. The personal touch is one of the things that keeps us coming back the last five years.

My adviser does help me a lot and is available whenever I ring him or I get a prompt reply whenever we correspond by e-mail. My family and I will continue to use Smartline.

Our home loan was a complex matter involving an oversea’s applicant during the financial crisis with strict requirements. Paul hunted down a loan that met all our expectations!

Our family has had reason to revisit both our home loan and investment loan structures in recent times, and found Paul Dutton to be highly professional and diligent in all of his dealings with us. His detailed knowledge of available products in our current rapidly changing market allowed us to identify and adopt the best loan facilities for our circumstances in a highly efficient manner. We recommend him to all of our friends.

Paul went out of his way to ensure things happened on time, to the point of visiting the bank personally to put money in a solicitors account to provide settlement to the former lender.

We would like to thank Paul Dutton at Smartline (Sunshine Coast ) for meeting all our requirements on our new loan. We had a few details to attend to and they were sorted out and a new loan arrangement set in place as we required. All this was done with in our time frame and we were always kept informed of our progress. We would happily recommend friends and family to Smartline.
Tom and Pia

We would highly recommend Smartline to anyone, they gave us exactly what we needed in a friendly and personal manner. They lived up to all our expectations plus more. Much appreciated.

I would not hesitate recommending Smartline to anyone needing advice and assistance with home loans. The service was second to none and explained in simple and easy to understand terms and the best financial deal possible. Thanks Smartline.

Paul Dutton at Smartline Cotton Tree was just fantastic. He took his time to listen and find out exactly what kind of loan product we really needed. I couldn’t have asked for better service.

Paul Dutton provided exceptional service from our first meeting to the day we moved into our new home (and still continues to be in contact with relevant news and updates on the market). Regardless of the day of the week, Paul was available and nothing was too much trouble. I highly recommend Paul to anyone who is looking for a relaxed and honest professional who knows his business.

The speed with which our mortgage was arranged, approved, then settled was done with the minimum of fuss. After the initial consultation it required very little input on our part. As anyone can imagine there is a lot to do when moving house, so to have this side of things being taken care of by an experienced professional is very gratifying.

Paul knew what he was talking about, which was really important for us. As a First Home Buyers there was extra things that Paul had to do and he knew all about the forms and the legislation that was required for our First Home Buyers Grant.
I felt that Paul went that extra mile to make the transaction as smooth as possible.

Thank you Smartline for a smooth transition in our loan requirements. We will be in our new home in a few weeks and look forward to seeing you again to plan the next stage in our goals.
Tom and Pia

Using Paul is the only way we go now when it come to mortgages. He takes to stress and trouble out of the process and he can never do enough to help you. We have dealt with the banks direct and have always ended up dealing with problem after problem that you don’t have time to deal with, the last few times we have gone through Smartline and it was stress free. Wouldn’t go any other way now.

Very happy with Paul Dutton’s professionalism and friendliness. Happy to refer friends and family to him.

Already have recommended Paul Dutton to colleagues- he knows his stuff and has advice on hand regarding other finance matters I have discussed with him.  He communicates in ways which suit the client- for us email and phone follow up has been terrific.

Hi Paul,
Danielle and I are so impressed with the way you have handled our home loan process. We certainly shopped around and you were very well recommended. In particular we are very impressed with how you handled our bank, solicitor and government paperwork. You took all the stress away from us.
We are more than happy to refer any of our friends and family to you.
Also we are more than happy for your prospective clients to contact us direct on our mobile phones as references for your services.
Take care
Glenn and Danielle

Smartline are only as good as the consultants. I have found Paul Dutton to be the best I am a Real Estate agent and recommend Paul when ever possible. Over the last 5 years I have sent dozens of people to him with nearly all having obtained finance stress free. There has only been 3 times that my clients have given negative feedback and on all 3 occasions it turned out that they got someone different due to Paul not being available
I find his quick response nothing short of amazing at times as I often have clients that are only on the coast for a short time and the constant feed back helps me immensely when finding them a property in the correct price range.
I have also used Paul a number of times myself personally.

Paul Dutton and his team provided an excellent service and I would have no hesitation in recommending Smartline to others.

We have used Paul’s help with both our home loans. His knowledge of the loan market is extremely valuable. But most importantly his friendly, personalised service just can’t be beaten.
Kristina and Robert

We have used Smartline three times now and Paul is always very helpful and knowledgeable with borrowing products and structuring of our investments loans. He makes the buying process pain free and easy (even when we were overseas for four weeks of the process). We are planning to buy another property in the next few months and we will use Paul again from Smartline Maroochydore.

I have already passed Paul’s no on to two friends and one has an appointment with him I cant’ think of anything else as we got terrific loans even the bank manager said we were well looked after, many thanks again.

We have our primary loan with Suncorp (also a Smartline loan) and wanted a top up loan for to buy a caravan. Paul chose Suncorp again for us as they had a competitive fixed rate, and it was an wise alternative as our loan was currently with them. Suncorp were very slow with their service from the very beginning. While I imagine Paul to be extremely busy, he followed up continuously with Suncorp. Suncorp became very difficult to deal with, yet Paul persisted. As our original loan was with Suncorp I found their number and called myself. They were most rude, and unhelpful. If this is the kind of reception Paul receives regularly, then that just shows how committed he is to his customers.
I would in the future, and have done so in the past, refer Paul to any potential customers.

Paul Dutton was extremely helpful and attentive. He kept us informed at all stages of the refinancing process. We would use him again and have referred him to others.

We found Paul Dutton an absolute pleasure to do business with. We have already and will continue to recommend Paul to our family and friends. If ever we need assistance again, we will not hesitate to contact Paul. Thanks Paul
Darryl and Debbie

Smartline broker Paul Dutton helped to make the process of refinancing and changing banks as smooth as possible for us. Although we did come up against a couple of ‘brick walls’ along the way, Paul never lost faith in our ability to successfully secure the loan we wanted. He stayed in touch with us daily, always keeping us informed and always ready to answer any questions and concerns that we had. While applying for a home loan is a financial (and often stressful) undertaking, it is also a very personal thing and Paul’s professional approach made it a pleasant experience.
Thanks Paul, Lee and Linda

Paul was very professional and I honestly couldn’t ask anymore than what Paul delivered. I am a property investor and have been through the mill, taken for a ride to nowhere by so called experts in the finance industry. I have now met Paul Dutton which I must admit gave him a deal to see what he would deliver and Paul sure did meet and exceed my thoughts and expectations, not only did Paul get the deal done within 5 days, he kept me informed of where the deal was at any point. This fits in well with my own personality and business, I feel now I have my own finance manager working for me.

Smartline gave me service beyond the square, so to speak. Paul Dutton, my consultant, always rang me when he said he would which is something forgotten these days. He explained ‘things’ simply and always had time for my questions to which he gladly answered. I TRUST him because he is a ‘person of his word’. I would recommend Smartline to anyone who wants to take the stress out of hunting around for a home or business loan. Smartline makes it simple and works to give their clients the best deal possible to benefit their customers. Thank you Smartline INDEED.

Paul was great. He was always available if I had any questions and helped in anyway he could to get the loan processed as quickly as possible.

Paul was genuine in his approach to our needs. Being self employed it can be difficult to find a lender who understands our needs. We particularly liked his honesty and open approach in choosing the right loan for us. Settlement went off with no troubles, as they sometimes can. We can only assume Paul made sure everything was okay. Thanks to Paul and the team for making things easy.
Grant and Stephanie

We found Smartline could help us when other brokers couldn’t, not being the “ideal” bank customer – self employed and recently returned from 10 years overseas. But Paul found us a loan, an enabled us to get into our own home much earlier than we thought possible. I referred my Mum and Dad to him, and he helped them into their dream home. We couldn’t be happier with the service!!

My consultant Paul Dutton was most patient and understanding to all my concerns and took his time to explain everything with me so that I was fully conversant with all that was happening. Any queries I had were attended to promptly and I would have no hesitation in recommending him to anyone requiring his services.

We have followed Paul Dutton from the BOQ to Heritage B.S. and then onto Smartline, arranging personal and investment residential loans with him all of the way. His service is outstanding and we would never look anywhere else for our finance. A word of warning though – if he leaves Smartline, so do we. Cheers,

As a new home buyer our consultant gave us a good grounding, that we stuck with him for some 12 months before we brought. We will certainly use him again, and will tell every one to use him.

Paul is an excellent operator and we would highly recommend his services and have done so to family and friends alike.
Ian and Sharon

Paul Dutton provided a complete list of financial institutions, completed all paperwork, followed through on a complex transaction without hesitation. I could not ask for more and will certainly recommend him to all.

I was really impressed with the way everything went so smooth. On a couple of occasions I contacted my consultant with a few queries, and I has a response the same day. I was very impressed with the way my Smartline Consultant had information on various lenders at his fingertips, and was able to come to me in the comfort of my own home. I would highly recommend a Smartline Consultant to take the fuss and stress out of having to choose a suitable lender for my needs. THANK YOU SMARTLINE!!!!!!

I will be taking out a second renovation loan that has been preapproved and I am so pleased with the service Paul Dutton provided. He has saved me a small fortune and everything went so smoothly. I have already recommended Paul to a number of friends.

We felt that Paul was very professional and thorough in providing information to pick the right home loan for us. We would not hesitate to recommend Paul to our friends and family.
Glenn and Danielle

Paul Dutton is a legend.

Paul Dutton gave us excellent service from start to finish. As Alex works long hours, Paul was able to come to us at a time that suited us. Such service is what we were looking for and we will not hesitate to contact Paul in the future. Thanks Paul for a job well done.
Alex and Nicola


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