Client reviews | What to expect from our service
We believe that our clients’ experiences speak volumes about our commitment to exceptional service. Read feedback from clients to see how we've made a difference in their financial journeys. If you're ready to get started on your next property, we would love to help!
Average client rating
4.9/5 From 175 Reviews
Josh was a great help and very responsive throughout the process of buying my first home.
Josh was absolutely amazing to work with for myself and partner Tye. We are first home buyers who didn't know to much about borrowing and so forth, Josh took us through step by step to better understandguide us with what he believes was best with our current financial situation Highly recommend, he has Tye I as clients for life now
Once again Thank you Josh
I couldn't be more pleased with the service I received. From start to finish ,Joshua was professional, knowledgeable, and incredibly helpful. I highly recommend
When buying our first home, we relied on a recommendation from a friend for a Finance Broker Josh. From the beginning, Josh was amazing to deal with and made the whole process less stressful. He guided us through all our options, was on call day or night by email or phone and got everything over the line for us in a short timeframe. I would highly recommend Josh if you are looking for mortgage advice. Look forward to working with Josh again.
We were referred to Josh from a friend who had recently used his services and was delighted with the experience. Josh assisted us to purchase our first home and was exemplary adviser and guide on the journey. He made the extra effort to fit around our busy schedule and for that we are grateful. Id highly recommend Josh to anyone who needs a loan with the assurance they are in safe hands. 5 stars
Josh was amazing to work with. We were in a really tight situation trying to refinance and it wasn't looking great for a few months but Josh was able to work his magic and find a lender for us. Josh always answered my emails and texts very quickly and even responded after hours. There was never any judgement. I appreciate all the hard work he put in for us and would highly recommend Josh to anyone and everyone
Josh worked tirelessly to get my loan approved quickly and snagged a competitive rate too. He made the whole mortgage process feel easy and stress-free. I'm super happy with his services and highly recommend him.
Josh worked tirelessly to get a great result for me and my business. He communicated proactively and effectively with my other advisers to solve any issues immediately. In short he was pivotal to the process and I would highly recommend him
Josh made my refinancing process seamless. He provided timely responses to any questions or concerns that I raised and was very pleasant to work with. I will definitely be using Josh again in the future.
Josh is simply incredible The expertise, diligence, care and patience he gave was second to none, and he did a brilliant job securing us a great deal. I would highly recommend Josh to anybody in my network.
I have been one of josh Almond's clients now for a number of years.
Josh and Sarah Muliau are extremely responsive and helpful.
I have re financed 3 times with Josh and every time is a quick seamless transition.
Josh was also extremely patient with me when looking for my investment property.
I cannot recommend mortgage Choice enough.
My sister uses then also.
Working with Josh was seamless. Hes communicative, professional, and an absolute ease to work with. He listened to my specific needs and helped me navigate my first mortgage in Australia. I cant thank him enough for how quickly and efficiently everything was handled. I felt heard and safe in the entire process and Joshs guidance significantly reduced the stress. Highly highly recommend.
Josh is a true professional and takes the stress and frustration out of the application process. His understanding of client financial affairs is second to none. Highly recommend his services.
Josh is a great operator. He gave us a number of options that were very specific to our situation and guided us through a difficult process. Highly recommended
Josh continues to go above and beyond. Always recommend Josh and the team
I was really pleased with the service provided by Josh. He was super helpful and proactive and secured me a great deal which ultimately secured my first home purchase.
Josh is wonderful to deal with, professional and friendly and always available to provide advice and support. We'd definitely be using Josh's services the next time we move house
Josh came highly recommended from a good friend, and now I couldnt be more willing to recommend him to others.
Josh presented borrowing capacity options clearly, and supported my goals in the search for a new home. He put together a pre-approval and ultimately worked on the home loan approval for the purchase.
Joshs professionalism and knowledge were first rate throughout. He was always available on the other end of the phone when I needed. This was incredibly important at the crunch time of negotiating an off-market deal, and knowing what was possible for my loan as negotiations played out
After this process I fully understand the benefit and expertise a quality broker like Josh can provide.
Josh has been exceedingly helpful for us through our first mortgage and then mortgage refinancing. He's extremely prompt in his responses and willing to talk everything through. Always feels like he goes into bat for us with the banks We couldn't have done it without him and have passionately referred him to many friends and family. Thanks Josh
Josh is extremely proficient at his job, I highly recommend him to anyone in need of a mortgage broker. He is knowledgeable, professional and consistent throughout the whole process. We have completed numerous deals and they have all been seamless. He genuinely cares and goes above and beyond for his clients.
Josh and the team were great to work with. Everything was seamless and they were happy to answer all our questions especially given we were first home buyers. We look forward to continuing to work with them in the near future.
Was fantastic working with Josh, would recommend.
We found Josh to be very friendly, approachable and easy to deal with and importantly very knowledgeable and experienced in our property development endeavors. He was also very responsive and accommodating of meeting our preferred days, times and locations for meetings. We wouldn't hesitate in recommending Josh to help you achieve the best loans that you may require, regardless your circumstances.
Josh and his team have helped us realise our property aspirations with practical and tailored options that met our needs. We have used Josh several times to purchaserenovaterefinance, invest and purchaserenovate again. We cannot recommend him highly enough. Josh and Laura
Outstanding finance broker Josh is efficient, comprehensive and innovative, and always communicates promptly and concisely. He went out of his way to source a loan product that suited our specific needs, and to ensure the application process was completed in a very tight timeframe. Could not recommend him highly enough
Josh was fantastic throughout the process and provided enormous guidance and knowledge which was fantastic. I strongly would recommend Josh to anyone
Josh has assisted us with 2 homes now and has been excellent. Always patient and happy to answer questions and take the time to talk through all options. We would recommend his services to anyone.
Highly recommended - thanks Josh and team
Josh and his team were amazing Josh had a quick response to all my questions, if he was busy when I called, he called me right back. This is the second time Josh has helped us with a mortgage and I would highly recommend him to anyone looking for a broker.
Josh is a fabulous and caring mortgage broker that I would highly recommend. Due to changes in my circumstances I was having to refinance. I again called on Josh, he was understanding of my needs and was able to get me what was required. He is the absolute best, a hassle free process in a stressful situation. Thankyou again Josh for all of your help. Simply the best
Josh was extremely helpful with the purchase of our first home He gave us great advice on what we were able to borrow and was very flexible with meeting in person or online, as well as always getting back to us quickly with answers. Highly recommend for a great and seamless experience
Josh was an enormous support in the process of applying for our first mortgage. He was always available to answer any questions. Would highly recommend his service.
Thanks Josh and Sarah for organising our refinancing. It was handled with professionalism and alacrity. We couldnt fault the service you provided
Josh is the best He knows his stuff and explains things well giving you all the options. We arent the easiest of customers but Josh always finds a solution to suit our needs. Josh has helped out with new loans and refinance and if I need a loan in the future I will 100 use Josh again. Thanks for all your help Josh
I believe it is really important to provide public reviews - especially for a service industry experience, and even more so when your expectations are exceeded Josh is deserving of 5 stars - he worked so hard to get the best loan for my business, his knowledge is very impressive, and his follow up consistent and authentic. I will recommend Josh to anyone looking for a better finance solution.
Josh was an amazing help for us in our house hunt, he went above and beyond with everything we needed over this time. Purchasing a house can be extremely stressfull, but Josh made it so much easier for us. We highly recommend him.
Josh is the GOAT , Josh has help us with 2 loads to date. The entire process has been stress free and simple. I cannot recommend Josh enough.
Thanks Josh for your professionalism and regular update in assisting me obtaining funding for my needs. I highly recommend your services to anyone that is seeking funding.
Josh was amazing. Answered all our questions and explained every thing really clearly Very happy
Josh has always offered exceptional customer service, going above and beyond to to offer suggestions and answer endless questions. He has offered support not only at the time of settlement, but throughout the life of my loan.
Thank you Josh
Josh and his team have been a dream to deal with He is so knowledgeable and has set me up with everything that I need for my new home. The whole process has gone so smoothly and nothing has been a stress Thanks again Josh
Josh is always quick to respond to any enquiry we have and makes the usual daunting process of applying for finance more pleasant. I know we will always be sure that Josh has considered our needs and trust him to provide us with the best advice for our family and our future.
My wife and I had a great experience working with Josh and his team. The service provided was exceptional, with complete transparency and support until we received our finance approval. We wouldn't hesitate to recommend Josh to those seeking finance for their next house or investment property .
Thanks Josh for helping us navigate the home loan process and purchase our new home. Its great to have someone with such experience helping us to make such an important financial decision seamless.
Very enjoyable experience, honest, professional, friendly and caring, very rarely found now days, highly recommend to family and friends.
Josh was such an amazing help in securing a loan for our first home. The process was seamless and he was able to deliver on our quick turnaround. Couldn't recommend Josh enough.
Josh was fantastic to deal with. He got us a really good fixed and variable rate and also spent a lot of time helping us work out how much we could afford to loan.
Josh is an absolute expert in his field and had our best interests in heart the entire time. He always makes himself available to his clients and has a fantastic ability to explain complex issues in simple, understandable terms. We are thrilled to have Josh helping us and have already proudly referred him to family and friends
I re-financed my mortgage with Josh who was fantastic, he ensured I was informed all the way and made the process so easy. He explained things along the way and always ensured he could do the best finance for me. Thanks so much Josh!!
Very patient
Extremely knowledgeable
Highly recommended
Josh was amazing. Kept me informed every step of the way, gave considered advice and explained every step of the process to me. He listened to all my needs and concerns. The whole process of selecting a lender, approval, documents and settlement went smoothly. Well and truly exceeded my expectations and I would highly recommend Josh! Thanks heaps for making it all so easy!
My husband and I trusted Josh and his team from Smartline for the purchase of our first home. He took us more than a year to find our home and Josh supported us through the whole process and patiently answered all our questions. We would definitely recommend Josh to family and friends!
My partner and I used Josh from Smartline to purchase our first home together. Josh made the process seamless and stress free. He was constantly there to support and guide us through the way - answering all our queries instantly. We are now happily living in our new home and couldn’t thank Josh enough!
We are always very happy with the results that Josh comes up with. We trust that he has our best interests on his mind when finding us the most appropriate financial support. We highly recommend his services to anyone we speak to when discussing financial advice. Thanks for always doing such a great job Josh!
Smartline and Josh were highly recommended by friends who had recently purchased their first home. It took us over 10 months to purchase our first home after contacting Smartline due to rising property prices and competitive market. Josh - and Sarah - supported us through it all, answering our questions at all times of the day and night. Josh made the process of navigating existing expenses and sifting through loan options easier with a recommendation was right for us. Josh was sympathetic when it took longer than expected to purchase and shared in our excitement at settlement. We would recommend Smartline for anyone looking for help with their first home loan!
Josh has helped with our financing needs on two occasions and a standout quality of his is his responsiveness. As we were new to the process, he always made the time to explain things in detail, giving us comfort over the products recommended for us and the steps needed to ensure a successful property search and buy journey. Highly recommended!
Josh is a phenomenal adviser. He has helped with both our primary residence and investment property and our renovation before that. Josh has given solid advice that has always been in our best interest. He is the epitome of professional, responsive and solution-focused. We have recommended him to several of our friends and family. J
We had a very positive and stress free experience in buying our first home. Josh is professional, eager to help and always available for any questions you may have. We are thankful to have used Josh for his services.
Josh and Sarah were fantastic through the whole process.
Josh was extremely knowledgeable throughout our entire loan experience. From the first day he set our expectations and goals and made us feel comfortable with our choices. He was so helpful and contactable through the entire process which put us at ease. We would highly recommend Josh to everyone!
Josh was absolutely amazing from the start. We were under a very short time frame to get a home loan sorted and ready for us to purchase a home. Josh made sure this was all taken care of while we were able to concentrate on just finding a home. His communication was impeccable and we felt very looked after.
Josh was absolutely incredible throughout the entire process of getting me home loan. He provided all the information necessary, spoke with me regarding my situation and current needs, replied to all my questions/emails quick and stayed in contact throughout. It was a great experience and I was able to secure a home loan, purchase and settle on my unit without any issues.
I really do not think I would have achieved the same outcome without my Advisor - refinancing 3 loans, being self employed in a covid affected business! Karen M
Excellent service and results. Josh Almond is fantastic to work with and I've already suggested to my neighbor to use him with their invest and home properties.
Amazing!!!!!
Very prompt responses and made sure that our loans were understood and the best deal for us.
Josh was amazing. Made the whole process easy and gave me confidence throughout we were getting a good deal. Great follow up to, making sure our rate was competitive. Thank you!
We are extremely happy with Smartline and in particular, the excellent service we received from Josh. He understood our needs and presented the right options for our circumstances. Highly recommended and will use again in the future.
Josh and his team are brilliant. Moved fast, was realistic and open about our options and made our dream home a reality. I would highly recommend Josh!
Josh was great to deal with and made my first home loan experience a lot easier than expected.
Josh was extremely helpful and patient whilst we were looking at several properties in a hot market. He was always available to answer our curly questions and made the process a breeze. We highly recommend Josh! Thanks so much. Chris & Carly
My partner and I are so glad we had Josh helping us through the loan process. He was brilliant all the way through; generous with his time, always responsive and hugely insightful. Thank you!
How can I be critical Joshua Almond got our loan across the line in our very difficult circumstances and at a really good interest rate and good loan conditions. He exceeded our expectations.
Josh has done an incredible job helping us with our mortgage, after wasting 12 months with another Broker, Josh has been able to do in 3 weeks they couldn't in 12 months!
Highly recommend Josh. Very knowledgable. Was able to help me with a great deal and guided me through the whole process end to end.
Josh was great to deal with & extremely responsive in all the queries we had throughout the home loan process.
Josh helped me with a refinance. He clearly explained the options that were available, and the process with his assistance was seamless. I highly recommend him as a mortgage broker and would definitely refer him to family and friends.
We had a great experience with our Adviser. We had a tricky & stressful mortgage to secure and our Adviser had full confidence in achieving a positive result. Our adviser went above and beyond and we wouldn’t hesitate in recommending him to others.
Josh made buying our first home in Australia the easiest and most relaxed experience. From start to finish he was a pleasure to deal with, he would answer all sorts of questions anytime of the day. Will definitely be recommending him!!
We had the best experience with Josh and would highly recommend him to our friends/ family. Without Josh we wouldn't be living in the house we are today - he was always there is assist and provide support throughout our search.
Josh was knowledgeable, professional but also personal. He took the time to get to know us which helped to understand what we needed. Most importantly he took the time to walk us through the paperwork and patiently answer all our questions.
Josh, was very helpful not only in discussing loan information but also discussing other options with what we could do whilst tossing up weather to build or to buy outright.
Josh is a great communicator, and we felt very comfortable throughout the process. We are so fortunate we were referred to him!
Josh was absolutely superb in terms of guiding us through the process, recommending suitable products, and then facilitating the application. Could not endorse Josh more highly.
Our broker, Joshua Almond, really helped us get the best outcome through our recent home loan refinancing process. Always kept us informed and promptly responded to our enquires. Joshua had also helped us secure the initial home loan.
Josh was fantastic throughout the whole experience. As a First Home Buyer, I was quite anxious about the process, but Josh was readily available to answer all my questions and chat through things when I needed more information.
Josh was very open, knowledgeable and approachable as he explored exactly what we were wanting to achieve by engaging with his services.
The outcome was timely and to our advantage.
Josh Almond was absolutely fantastic to work with, he provided around the clock advice and was easily contactable (even on a sunday!). I could not recommend Josh more highly to my family and friends
Josh was excellent- always responsive and guided us through the whole loan process. I have already recommended him to my family and friends!
Josh was amazing he came to my office to go through my personal situation and followed up with me throughout the whole process. It is a daunting process getting refinanced and I wouldn't have done it if I didn't have Josh's expertise and knowledge.
We will be using Josh in the future and will also recommend him to others.
Josh was always available, responded immediately and having worked with him before had no hesitation in wishing to do so again. I would recommend Josh readily.
Josh is an absolute superstar. He was proactive, responsive and patient. He helped us choose the right product for our circumstances, saved us money and showed genuine care. We would highly recommend.
Josh is awesome, we love working with him.
Josh was great to deal with. He was very clear and explained things many times until I understood everything clearly.
Easy to communicate with and made the whole process as a first home buyer a lot easier. He made me fully understand the situation of my mortgage.
Joshua and his team were excellent. Honest, upfront and helpful the whole time. Very communicative and informative. We were referred to Joshua by a close friend and I will not hesitate to refer him to family and friends.
Really smooth and valuable experience overall.
Josh was very knowledgeable, experienced and made the hole process very pleasant.
Josh is a highly organised and professional broker. He has the ability to explain things in a detailed and easily understandable way. This is the second time he has assisted us with finance, this time for a construction loan. We look forward to Josh finding us the best loan to suit our needs at the end of our build.
Josh has been fantastic all the way through my loan process. He kept me well informed and always willing to answer my many questions. I would recommend Josh to my friends and family.
Josh was fantastic in helping us obtain the finance that was best for us. It was great knowing that I could direct any questions to Josh, the finance was one less thing to worry about when we were building our dream home. He was particularly efficient in keeping us up date on the application process and addressing any concerns that we had.
I couldn't have been happier with the professionalism displayed by Josh at all times. He made what I anticipated would be a lengthy and perhaps many layered application process seem smooth.
Very pleased. GP
Josh was outstanding with his regular updates and communication. Couldn't recommend him more highly!
Josh was realistic about every aspect of the process. He kept us well informed and was able to give us the sounding board we needed at times when negotiating on properties. He provided statistical / historical data on all the properties we looked at. He was also extremely calm and cool when facing a 30 day settlement term, which was actually a crucial tool we used in negotiating the sale price of the property. We were beyond satisfied with his contribution to our property purchase.
We had some difficulties getting the original loan approval due to the lands zone and the fact it was unimproved, Josh was excellent with communicating with the lawyers and the bank.
Josh was great and very accommodating. Highly recommended.
Josh is very professional knowledgeable and personable. I would gladly recommend him to all our family and friends
Josh has made the process of obtaining my first loan as simple and smooth as possible. I would recommend, and already have to friends, family and anyone looking to buy their own home.
Josh and Di are both super stars!!! Couldn't be happier with their service and support through the process!!!
Would be good if one complete list of items required from applicants is presented at one point in time. Then there is a list to work towards addressing rather than multiple requests for information.
I found Josh really knowledgeable and easy to work with. He listened, asked great questions and helped me work through my options. Thank you!
I found Josh really knowledgeable and easy to work with. He listened, asked great questions and helped me work through my options. Thank you!
Josh made a real human connection at the start to build trust. Then the trust built with his credibility and ability to connect. I would recommend Josh for your mortgage needs.
Josh was fantastic in helping us obtain the finance that was best for us. It was great knowing that I could direct any questions to Josh, the finance was one less thing to worry about when we were building our dream home. He was particularly efficient in keeping us up date on the application process and addressing any concerns that we had.
Josh is our trusted advisor. He is our go to guy for all our finance needs. He has the hard conversations with us and makes sure our interests are protected.
Josh was diligent and most helpful during my re-finance process and strived to ensure the funds I required urgently be processed as soon as possible. There were some unforseeable hiccups along the way which were out of Smartline\'s control however, Josh kept me updated constantly and strived to ensure my desired outcome was met.
More than happy with the service I received.... thank you Josh!
Josh was available for advice and answered my calls any day of the week. There was very little input from our end needed as Josh handled all the paperwork for us.
The process of buying our first block of land was seamless and headache free.
Thank you Josh!
David and Irene
Josh was excellent, thorough and genuinely wanted to make sure we got the best outcome. I would happily refer him on to family and friends.
I received excellent and professional service from Joshua from the first time we met right through the loan process. The follow through, constant updates and patience was much appreciated.
Josh was fantastic to deal with from our very first contact. He was understanding during the process as we had to deal with some severe family issues and was always easily contactable. We were glad to have been referred to him.
We were extremely happy with the service received from Josh Almond. He made the process smooth and painless. We are also happy with the feedback and emails on progress of loan application, what\'s happening in the market place etc. All in all a very exceptional experience.
Fantastic service and kept me informed regularly and appropriately.
Highly recommended
Josh has been very helpful,informative and a pleasure to work with in all aspects of our dealings with him.
We were very happy with the service provided by Josh and have already recommended him to friends and family!
Josh was friendly and welcoming. We trusted him because of this and feel we have ended up in a good situation. We look forward to continuing to work with him into the future.
I thought Josh was great, really happy with his service.
We had issues with the bank itself (we have a Smartline Advantage Loan) in that they kept getting the amount available for settlement wrong, but Josh was again helpful in assisting with this.
I would (and have) happily recommended Josh to others.
The bank (suncorp) was the issue in this scenario, josh did all he could to speed up the process.
Josh was fantastic.
Josh was excellent. He helped us through every step, controlled our concerns and ensured all went well from application to settlement of our property.
I highly recommend him to any one in need of great service, advise which is first class and a caring attitude.
I Take my Hat off To Josh in regards to his patience and commitment to get the required results for me, I Believe he went above and beyond which is greatly appreciated.
Josh was proactive and delivered a great service and result. Would highly recommend him to my clients.
Great service, made the purchase of my first home enjoyable and easy. I would definitely recommend.
Fantastic friendly service with the results to show. Highly recommended.
We came to Smartline after being customers of one of the big four banks for over 15 years. Over this time I felt I should have been becoming a more valued banking customer. Unfortunately, in reality I was getting further and further away from talking to a person who valued my custom.
Josh\'s support was not limited to the savings we received from the transfer. We were given great advice around our lending capacity and the best way to structure our loan.
I regularly recommend Josh to friends and family which is the best form of testimonial as you only recommend services to the people who are closest to you if you are confident/certain they will deliver.
Josh found savings for us in our loan arrangements that we didn\'t think possible. Because of Josh we have been able to pay of our loans quicker. Josh is highly recommended.
Josh from the outset has always taken the time to undertsand both our current and future goals in order to provide us the best (most informed) solution. He proactively kept us up to date through our mortgage experience and has since been in contact a number of times to see how we are going. I\'ve already recommended Josh to some of my friends and family such that he can help them in their journeys.
Josh was a pleasure to deal with the entire way throughout the loan process.
I found Josh very professional and his service was first class.
I would strongly recommend Josh to any potential clients in the future.
Regards
Ross
I really appreciated Josh coming out to see me at my work place, this made it easier for me and much more convenient.
Coming from an ex-Bank background I had a good understanding of the process and I would guess higher expectations of Josh, who also has a similar background to me.
I think Josh\'s best selling points are his professionalism, experience and personable approach.
There was a few curve balls in the application process, but Josh managed these very well and worked with me and the finance provider to get the deal acceptable to both parties.
Given Josh\'s finance and people skills, I would use him again and I have already referred him to friends and work colleagues.
Cheers, Adrian.
Josh provided a level of service and care that I have no experienced from a broker in the past. Josh is a great asset to the Smartline brand
Valued the service and optionality Joshua put forward.
Smoother experience as they have all your information.
Better understanding of your financials to provide tailored advice. 
Faster response compared to being matched with a new broker.
