Mortgage Brokers Helensburgh

Ray Khalil

Ray Khalil’s mortgage broking service is second to none. At Smartline, we work with our clients to ensure they understand their home loan options, know exactly how much they can borrow and ensure they choose the right mortgage and the right lender to suit their needs.

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Ray prides himself on his integrity, honesty and dedication to providing the right solutions for his clients.

“I make sure I listen to my clients’ needs and really understand what their ultimate goals and objectives are,” says Ray. “I always aim to exceed my clients’ expectations by going the extra mile and providing a fast and effective service.”

Ray is fully mobile throughout Sydney and beyond. Call Ray Khalil on 02 4294 8119 or 0410 624 370.


  • First home buyers
  • Investment property loans
  • Self employed
  • Refinancing
  • Upgrading / Downsizing
  • Construction loans
  • Building / Renovating loans
  • Equity release
  • Deposit Bonds
  • Bridging loans
  • Reverse mortgages
  • Personal Loans
  • Car finance
  • Asset finance
  • Business equipment finance
  • Commercial property finance
  • Business loans
  • Insurance
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Client Reviews

8 October 2019

Samuel D

Ray provided exceptional support and guidance through the entire process. The information that was provided gave me confidence that my financial goals were being met and the transparency in the process created an environment of trust. Ray made sure that I completely understood the implications of my decisions and was adept at explaining them in plain language. I appreciated the fact that his information was up to date and that he encouraged collaboration with other experts, such as my accountant, to provide further clarity before committing to decisions. The process was completed smoothly and the result was even better than anticipated. I would highly recommend Ray to friends and family and I look forward to working with him in the future.

Mortgage Broker - Ray Khalil
9 September 2019

Blake H

Ray was amazing! Definetly the best mortgage broker we have ever had, he was upfront with everything and explained the process required to purchase our first home. I am more then happy to refer him to all my work colleagues and friends!

Mortgage Broker - Ray Khalil
29 June 2019

Anthony K


Mortgage Broker - Ray Khalil
24 May 2019

Joshua J

Best mortgage broker in the world. Top bloke and top service.

Mortgage Broker - Ray Khalil
14 March 2019

Tony F


Mortgage Broker - Ray Khalil
13 March 2019

Robert N

Rays service was excellent! He not only took my calls but those of my wife as well as my buyers agent. He was always professional and friendly. I highly recommend Ray.

Mortgage Broker - Ray Khalil
28 December 2018

Giles G

Ray was really helpful to us throughout a tricky process. His attention to detail and overall care were exceptional. Thank you once again Ray for your effort!

Mortgage Broker - Ray Khalil
21 September 2018

John B

Great overall experience. Ray was attentive and proactive in getting the best outcome for us. His service was fantastic, above and beyond in many instances. Thoroughly recommend Ray and will use him again.

Mortgage Broker - Ray Khalil
24 July 2018

Laurel B


Mortgage Broker - Ray Khalil
25 June 2018

Darren B

During those stressful weeks, Ray reassured us that everything was being taken care of.

Mortgage Broker - Ray Khalil
10 June 2018

Murray B


Mortgage Broker - Ray Khalil
16 May 2018

Mark G


Mortgage Broker - Ray Khalil
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Ray Khalil

Helensburgh NSW 2508, Australia
Phone: 02 4***8119