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

14 March 2019

Tony F


Adviser - 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.

Adviser - 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!

Adviser - 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.

Adviser - Ray Khalil
24 July 2018

Laurel B


Adviser - Ray Khalil
25 June 2018

Darren B

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

Adviser - Ray Khalil
10 June 2018

Murray B


Adviser - Ray Khalil
16 May 2018

Mark G


Adviser - Ray Khalil
24 January 2018

Dirk Van Der M


Adviser - Ray Khalil
21 October 2017

Martin P


Adviser - Ray Khalil
14 August 2017

Rhys E


Adviser - Ray Khalil
9 July 2017

Michael D

Ray was fast, efficient, knowledgeable and kept me well informed. Could not ask for more.

Adviser - Ray Khalil
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Contact Ray Khalil

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Ray Khalil

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