Reviews
Average client rating
4.9/5 From 290 Reviews
Highly recommend Judith and her team Judith is very personable, efficient and knowledgeable.
Judith and her team were amazing. Judith was very helpful in answering all our queries and guided us through every step of the process. Great service, very efficient, effective, and supportive. Our pre-approval and approval of the loan were all sorted within a few days. I couldn't recommend them enough.
What a great experience
Judith and her team are the best at what they do. We got the best deal, with not the simplest application. This team is responsive, skilled, professional and great to deal with. I highly recommend using them.
Can't say enough, my wife and myself both appreciate the professionalism, and help at times. Nothing was too much trouble. Will definitely recommend Morgage Choice Flinders Park.
Of highest recommendation. Judith and team made our mortgage options digestible and clear throughout a year-long house search. This gave us confidence during the whole process. Thank you for all the prompt help and advice.
Highly recommend Judith and Melanie. The process was seamless and the information and guidance provided was excellent. Very happy with the service, thanks.
Judith and her team are so good at what they do We wouldnt manage our mortgage any other way
Cannot praise Judith and her team enough for their outstanding support and guidance that made purchasing my first home such an easy process. The team is highly knowledgeable, communicative, and helped me understand every step whilst clearly outlining all options available to me.
Highly recommend Judith and would not hesitate seeking her assistance in the future.
Amazing, Outstanding and Fantastic
These are the words that come to mind when I reflect on my experience with Judith, Mel and Kim. What a team They could answer every question, guide me through every part of the process, and were always there if I needed something.
Judith's wise and trusted advice made what I though was impossible - become possible
Thank you so much - Michael
The Mortgage Choice Flinders Park SA team has exceptional service and expertise. Judith took time to understand our financial situation. What impressed me most was their commitment to keeping me informed throughout the process. Thank you so much all and all the best
Judith and Kim were amazing to deal with. Made applying for our home loan simple and stress free. Highly recommend
The Mortgage Choice Flinders Park S.A. team has helped us to successfully refinance our investment loan .The team is very good and quick response to any problems. They are very helpful and
friendly have a good manner. They are very professional with their jobs. Thank you so much.
Fantastic team that genuinely care about their clients and make the experience of setting up a new home loan less stressful. Thanks
Amazing service as always, from Judith and the team. I will never use anyone else Highly recommend
Judith and her team were fantastic to help me with my first home. They made the whole process seamless
Judith and team are very efficient and thorough. You can always trust them to find the best rate and options
Judith and her team were absolutely amazing. Judith managed to navigate my set of working circumstances and work with me online as I was working remotely which was extremely appreciated. Judith's admin team were also absolutely awesome and super friendly and kept me consistently up to date with everything! Happy with the new house. :)
processional, respectful and informative are just a few of SmartLines traits. Judith and the team were always available providing sound advice and solutions to any hurdles that presented throughout the financing process. after an initial meeting with Judith and the supply of all required documentation, the smart line team did the rest.
searching for a property and subsequently settling was an easy process with the work done by Judith and her team, not an easy thing to do in todays current market. highly recommend.
Judith Bayne made what could otherwise have been a daunting, stressful process, simple. She assured me about the realities of the whole process and made sure that I was comfortable about what I was getting myself in for. A very warm and personable, and especially knowledgeable, agent.
Smartline has been very efficient with providing solutions to our refinance needs. They have looked into our situation carefully and made sure that we get our loan approved. We are very satisfied with their service and highly recommend Judith and her team!
Judith and her team (Kim and Melanie) are excellent, always there to help offering best possible solutions for your home loan needs. Highly recommend them.
Absolutely amazing service from amazing people, dreams are coming true.
Judith Baynes has helped us with our home and investment property loan needs for multiple properties. Judith and her team always get us a great deal that meets our needs well, definitely recommend them to anyone looking for a good mortgage broker!
Judith Baynes and her team are always great to work with, which is why I keep coming back and recommend her to my friends and family. I appreciate Judith’s “can do” approach, I always feel she is working to help me achieve my goals. She is trustworthy, honest and reliable!
Judith was able to do exactly what we wanted and made the process very easy and straightforward
I have been dealing with Smartline and Judith Baynes for over a decade. They have always been extremely helpful and provide an excellent service.
Both Judith and Kim where fantastic to deal with. Extremely helpful and went out of their way to make sure i knew what was happening at all times.
Judith was incredible in helping me purchase my first home. She carefully explained everything to me and was always available to answer my questions. I couldn't be more happy with her friendly and knowledgable service. She was recommended to me by a friend and now I will be recommending her to anyone in need of her services.
Judith & the team have been great from getting our pre approval to finalising our loan & completing progress payments for our build.
Highly recommend.
Judith from Smartline provided a great service, going through all the different options until I found the perfect loan for me. This is my second time using Smartline and I would not hesitate to use Smartline again in the future.
Every time!! - for the past 15 years the guidance, service, and every time I have a question it is sorted and explained to me perfectly as I do not understand the whole finance sector!! Thanks to Judith Baynes and her fabulous team, Regards Kristina
This is the second time I have used Judith for my home loan. First time was buying my first home and this time was to refinance. I cannot recommend Judith enough. Both times I was new to both situations and she helped me out every step of the way. Explaining everything to me in a way that made sense and was always there for me if I had any questions. She is also so lovely to deal with and made the whole process a breeze. Will 100% be using Judith on my next home.
Jude has done a lot of work for us with both our personal mortgages and business loans. Jude goes out of her way to ensure that the services she provides are the best! She listens to what your your needs are and then tailors the solutions for you.
Judith and her team (Kim and Melanie) are the best. They are always friendly and happy to help with offering the best possible solution for your home loan. High recommend them.
Judith has been amazing, first when I bought my property and more recently when I refinanced :)
Judith Baynes was the most caring supporting person I could have wished for, my situation was messy and personal, and Judith Baynes got me the loan and home of my dreams. Forever grateful
Very helpful and helped me to understand the whole process clearly
My partner and I were first time house buyers. We had no idea how to buy a house or understand what we could afford. We also lived on an isolated island and were looking at buying on the mainland. Judith always made sure she was there for us.
Judith was amazing with everything helping me understand everything that had to be done and the best ways to do so would strongly recommend
Judith and her team were very helpful in getting us the right loan product for our needs! Would recommend!
Judith Baynes did good work and I couldn't believe with this time to purchase the property. Judith Baynes did try any bank for me to get good amount of loan but I couldn't.We went througt homestart and homestart aproved pre-proved.
Judith and Kym were fantastic from the very start. Always very prompt with all the information and made the entire process a breeze! Highly recommended and will send friends and family to them!
Service was superb,would recommend to friends and family anytime.
Judith is great to work with and very knowledgeable. She knew exactly what I needed. I have been working with her for the last 7+ years, receiving advice and guidance, which always turned out to be what I needed.
Judith went above and beyond to achieve my goal of buying my first home. I did not think it was at all possible however Judith worked her magic and I couldn’t be happier! I look forward to continue working with her and I can’t recommend her enough.
Judith, from Smartline at Findon was amazing. No question was silly to her and she was always available for advice or clarification. The whole process went smoothly and I felt confident I was getting the most appropriate product for my situation.
Judith was a delight to deal with, who assessed my situation and came up with solutions where previous brokers couldn't help. I would thoroughly recommend Judith and her team who did a fantastic job.
Fantastic, Judith and Kim , went above and beyond to find and secure our home loan, our situation was very complicated and confusing, Judith and Kim were absolutely fantastic and worked miracles with the bank, words cannot describe my appreciation .
Took care of everything, very effortless experience. Explained everything well too and helped me to understand so I knew what was happening at every step of the way.
Judith and her team helped me achieve my finance goals towards building my first home at a young age. All processes questions and problems were all taken care of quickly relieving a massive weight off my shoulders during, very happy with my outcomes
We wish to thank Judith for a fantastic professional job she did. Judith made the hole exercise effortless with her experience and the personal touch that Judith applied.
With regards,
John S and erika T
The Smartline team are and always have been fantastic to deal with. They provide an extremely helpful, professional and friendly service.
Considerate of my requirements and provided multiple options.
Judith and Kim were amazing. They always responded to my emails or calls and even if they didn’t have an update they would still keep me in the loop. Have already referred to friends
This is the second time I have used Smartline to help me with finance and mortgage support and once again I couldn’t have been happier, throughout the whole process Judith made sure she could help every step along the way. I highly recommend them.
As always fantastic service and make it a very easy process
Great service, friendly and always approachable.
Judith Baynes was fantastic I recommend her to all my family and friends.
Judith is easy to communicate with and quick to respond to emails. She makes the house buying process easy.
Couldn't ask for a better service. Thanks Judith and Kym for helping us many times for our properties over the years!
Judith and her team were exceptional in delivering the right loan for my needs. Customer service, and speed of response was outstanding. My situation was particularly challenging, yet Judith battled through all barriers efficiently.
I will definitely use Judith's services again.
The girls at Smartline we’re great! My experience was easy and stress free with their help and advice. For me, it was a purchase of a first home and I had a lot of questions. They answered them patiently and were contactable throughout the process!
Judith has been my advisor for many years, she continues to excel at her job. She is such a friendly professional, who has taken time to understand my situation and offer real solutions for me. I could not be happier with how easy refinancing is with her and her staff. I would not hesitate in recommending her to any of my friends or family.
Judith was a fantastic support during the process of purchasing my first home. She was readily available to answer questions and patient throughout the entire process. She conducts herself with the perfect balance of professionalism and care, and offered knowledge and guidance to support the process. Thank you to Judith and Kim for their work.
Honestly made my experience so simple. Would have been lost without Judiths help. Was perfect service.
We were happy!
Judith was excellent and she was very capable about finding the right mortgage for us.
Judith Baynes was absolutely amazing in assisting us with the purchase of our first property. She was always more than happy to have a chat and answer questions, was always available and got things done smoothly and efficiently. Thanks again Judith for all your help!
Judith was very matter of fact and straightforward. She tells you what you need to hear, not what you want to hear. Our mortgage process was fraught but Judith did her utmost to get us across the line.
Judith is always prompt to return phone calls and emails, she knows what she's talking about, and she follows up quickly with any hiccups and snags that may occur. Highly recommend her services.
Judith Baynes provided us with great service, helping us understand our financial position, and giving us a range of options that would meet our needs. She was particularly helpful when we ran into some unusual bank complications due to other assets, but she helped us navigate the issue quickly and to our great satisfaction.
Judith was very approachable and explained the process. I was able to follow up on various queries with a quick result.
Judith Bains has just assisted me with the purchase of my 9th property and we are in the process of securing my 10th. With the purchase of my first houses. Judith Bains took the time to find out my vision and situation. Taking all these factors on board Judith has helped me navigate and also educated me on processes to move forward and I am extremely greatful that I had found smart line.
I recently needed to re finance after going to a big bank, with not much help, I decided to try a broker, and was
recommended Judith .
She was fantastic her clear advise and positive attitude refreshing.
If you need to refinance or first time buyer I would highly recommend seeing Judith Baynes at Smartline.
Satina & I found the service provided by Smartline personal mortgage advisors to be thoroughly professional. Having provided an overview of our financial situation & discussing various goals we were well informed of the various options available to us. Th
Judith was fantastic very easy to contact and discuss my situation. She was always available and I wouldn’t hesitate in recommending her to family and friends. She explained everything very thoroughly.
Thanks
Im so grateful for having the support of Judith and Smartline when it comes to my finances etc. I truly believe I wouldn't have been able to get ,my 2nd mortgage without the support of Judith.
Excellent help with all issues staff are very prompt to reply and always willing to help as best they can
We have used Judith on three occasions now. She is thorough, trustworthy and reliable. We strongly recommend Judith to anyone looking for a great broker who will go above and beyond for the client.
Judith was excellent. Judith took the time to look into by finances and designed a strategy to suit. I went from owning 2 properties to 8 in a little over 12 months. Very lucky that I met Judith from smartline.
- Really appreciated the home visits, it's hard to get both myself and wife to sign forms together with our 2 young kids.
- Felt Judith was open, transparent and genuinely after the best outcome for us.
- Very happy with the result. We managed to refinance our existing home loan and purchase another property within a short period of time so the end goal was achieved. Thanks!
Judith and Kim were simply fantastic. We worked with them for 18 months and are now in a much stronger position financially than we were before. They were so approachable, honest and up front about everything it made the entire process stress free and easy. We would highly recommend their team to anyone looking to get a mortgage and will be working with them again in the future.
Thank you as always Judith for your excellent advice and support.
Judith was fantastic. She answered all my questions and was always prompt with getting information to me. I would highly recommend her
Have been working with Judith from Smartlline for a couple of years with my financials through a messy seperation. She has always been there for support and offering me financial advice. Thankyou couldn't do it with out her expertise.
We were very impressed with Judith when we first met her three years ago to arrange our first investment property loan. We subsequently took out a further loan through her and recently returned to re-negotiate the original loan (due to the end of the fixed interest term). We would definitely recommend her.
Judith listened to our needs and requirements and went over and above to assist us.
We were very happy with the service we received and would highly recommend her services.
Judith went above & beyond expectations. Am so thankful for the help she provided.
Judith made everything super easy for me! Being a first home buyer I didn't really have much idea or confidence going in to the process and Judith made me feel more comfortable and confident than I could have imagined. She talked me through everything and no question was ever too much for her to answer. Judith will be highly recommended to family/friends especially those who are first home buyers like me and need that little bit of extra help!
Thank you for being so available and for providing the right advice for us.
Judith was very helpful and I would not hesitate to recommend her services to family and friends.
Judith, as usual you are quite simply the best! Excellent service and advice. Thank you.
Judith Baynes supplied a very good service to us. We had discussions prior to getting the loan where Judith informed us on what we could expect and the whole process. She kept us informed of progress, so we knew what was happening all the time. Judith is an excellent operator and we would have no hesitation in recommending her to anyone.
Really appreciated Judith's guidance as it was out first home lone and we were very new to the process!
Judith was very thorough and professional throughout the entire process. She kept us well informed and made us feel confident in our choices. We will definitely call Judith when we next need to refinance and would highly recommend her to anyone.
Judith goes beyond the call of duty to help. We have known this wonderful lady for years now and used her incredible services to help us with our financial decisions. She has the knowledge and honesty that anyone would benefit from. :-) :-) :-)
Jude is a Trusted Family Friend and we can not thank her enough for her professional attitude and attention to detail when it came to explaining ALL aspects of our new Loan. We were so impressed, we decided to move all of our Financial matters, across to Smartline...!
It's nice to feel appreciated and Judith achieves that.
Judith was extremely well organised and had a sound knowledge of products that were available to suit my needs.
Thank you Judith.
We appreciate your excellent service.
You made the process reassuringly straightforward.
Judith has helped us out twice now and has been terrific from start to finish. Thank-you so much for you hard work.
Thanks Judith for the professional guidance and assistance.
I just wanted to say a big thank you for her enthusiasm, effort, support, professionalism and great help.
Jude is very professional in her approach to her work, her efforts in communicating the complex loan structure were very thorough and we appreciated this very much.
Brilliant service and results again! Thanks Jude!
Thanks for your assistance Judith it was a pleasure!
Judith was fantastic every step of the way! She was well informed and really supportive and had a very proactive approach where other advisors I\'ve worked with in the past were a bit complacent.
I look forward to working with her again in the future as my experience so far has been very positive.
Cathy provided an excellent service - her knowledge and caring for what was the best for me was outstanding.
The Smartline Blackwood team are a great group of people with customer service their focus.
Very professional and friendly service, I have had good experiences with other agents in the past but none as good as this. Simply fantastic.
Judith was very helpful and informative from the get go. See responded promptly to all of our questions and queries.
She was able to make the whole process as stress free as possible. We would definitely recommender her!
Sam and Kelsey
Judith was very friendly and professional in her dealings with me. She kept to agreed appointments and kept me in the loop at all times. I am going to recommend her to my friends if they need assistance with home loans.
Very efficient and helpful. Have dealt with another member of the Blackwood smartline team previously and they are always efficient, friendly, accommodating and helpful.
Judith was extremely helpful to get me into the market of buying my home 5 years ago and even more so, to refinance and set me on the road ahead.
Couldn\'t recommend her highly enough.
Judith was fabulous! I was a nervous, single, first home buyer and she really made the whole process easy, enjoyable and explained everything in a way I could understand. I was so appreciative of her help, and ease to talk with, her communication and professionalism - but more than anything so thankful for her making it a really positive experience. Thank you
Judith is a legend. The whole team at Blackwood went above expectations. This is the second time we have used Judith and will continue to for all our mortgage needs.
Judith was very professional in her manner and her advice. She always answered my questions promptly and I trusted her advice. She was very friendly and always kept in touch. She gave me the confidence to know I had chosen the right product.
Thankyou to Judith for making our lives a lot easier while buying our first home ! Couldn't be happier . Thanks Alicia Briggs
I always go back to Judith for my loan requirements, and plan to do so the next time I refinance or buy/sell. I would be more than happy to recommend her to friends/family. Very happy with her service.
I have used Judith Baynes several times now for my finances. I will continue using her as I know I can trust her, she gives me good advise and is extremely reliable. I have recommended Judith to several friends and have even had her recommended to me, unbeknownst to that person that I already go through her.
Absolutely fantastic service, I have since recommended Judith to others
Judith at Smart line was amazing. I received spectacular service and support. She helped me through the process of buying my own home from start to finish and was so friendly and understanding. She was great at explaining all the ins and outs in simple terms and presented me with a few great options to choose. Very highly recommend Smart line and in particular Judith at Blackwood.
I could not be happier with the service from Judith. I now have my beautiful home and could not have done it without Judith. The service has been outstanding and stress free to have someone handle this for me. Thank you again.
Judith was fantastic, and so very patient with us! She explained things in terms we could understand and didn't try to push us into things we were unsure of. She kept us up to date with developments throughout the process and guided us through the paperwork. Lovely lady to deal with - 100% recommended by us!
Made the whole process really simple and easy to understand. Spent time explaining all our options
I feel that Judith went out of her way, above and beyond to make this happen for us! Could not be happier!
Judith's support and help was invaluable. I had never even thought about using a broker to help with financial matters, but was so glad I did. I was very happy with the outcome.
hi thanks for all your hard work thanksss
This is the third time I've dealt with Judith & she did a great job as always. She helps me work out what's right for me and nothing goes unexplained. I recommended her to my sister and she has also been really happy with the service Judith provides.
We appreciated the friendly, professional advice and treatment we received from Judith and reception staff. The speed at which the whole process happened was surprising and Judith knew exactly what would suit us after listening to our needs. I particularly appreciated the respect we were shown in dealing with our circumstances. We would highly recommend Judith and Smartline to anyone wanting advice.
My adviser Judith was excellent, she organised my first property in Adelaide and now has organised my second property. She is ultra supportive and informative and knowledgable.I was able to go to Judith with all my questions and she returned my calls very quickly. Judith, thank you so much.
Always great service from Judith and I felt at ease with all the decisions I had to make as I knew she had my best interests at heart - thank you
We continue to have a strong and trusting relationship with Jude. She readily looks at ways to improve our loans structures to best suit our needs and our future plans. Many thanks Jude!!
Very happy!
Minor point, but some greater clarity around when the loan was out of the hands of the Adviser and into than hands of the bank. In the last days before settelment I should have been liaising with the bank rather than the Adviser and thta was not clear to me.
My comment to smartline and specially to Judit is to thanks all of you for your advisers and helps, let God bless you all.
Very informative, simple and clear advice
My dealings with Judith Baynes and Cathy Anderson at Smartline Finance Blackwood have been exceptional they are genuine professional and efficient, their customer service is second to none. I have always spoken highly of them and will continue to recommend their services.
Judith's very friendly and approachable attitude is one of her best attributes and made me feel very comfortable, especially in the time when things are very hectic with loans and buying a first home.
Judith was honest and a great help when we needed her and still provides a great service for myself and my wife
Jude was wonderfully helpfull & professional. A pleasure to work with her...!
Judith Baynes provided us with exceptional service and took a personal interest with our needs. we couldn't be happier with the result and would recommend her services to anyone.
Judith was full of information and answered every question that I had and made sure I understood. With the information and guidance I received I made the right choice
Judith sorted us out a mortgage despite trying circumstances and seemingly impossible odds. We can't thank her enough for helping make our interstate move such a smooth one.
this has been my first experience with a mortgage; judith was wonderful and walked me through every step with care and warmth. no concept was too basic to explain until i understood it fully, no question was 'stupid'. judith helped me through a situation that had been overwhelming before coming to smartline.
Judith made us feel as if we were her only clients and she knew every detail of our situation and worked tirelessly to find us a solution, that now has us building our own homn and saving money.
Judith was very efficient, professional and explained the process in a clear and easily understood manner. She kept us informed on progress and was able to answer any queries immediately. We will certainly be encouraging any one we can to use Judith's services.
Judith was sensational, we felt that she was trying to get the best loan to meet our needs. Felt we were in great hands and had nothing to worry about.
Judith was terrific at organising everything for us especially given such short notice and the fact that there was the xmas/ new yr holidays to contend with.
I was a bit concerned with our current situation as I didn't think we could achieve our goals in a timely fashion. However, Judith helped me to see that we could move on to the next stage of our financial goals by getting the right products to meet our needs. It really was a huge learning curve for me and I hate to say that my husband was right, but he was determined that we'd be borrowing again before the end of the year. Judith made it happen though. Thanks Judith! You're a legend!
Judith was able to make dreams become a reality. We look forward to future dealings with Smartline. The admin staff were also prompt and easy to work with.
Judith was a godsend. I no idea what I was doing and she made everything so easy. It's because of Judith's advice and assistance I was finally able to find what I had been searching for
I just want to say thanks to Smartline for helping me with my finance and my best wishes to Judith Baynes for everything She has done to me. May the Mighty God bless you! Thanks
Claude
Judith was very welcoming and understanding of my situation. She explained things slowly (which means a lot!) and took the time to hear my story. I would definitely recommend Judith to any one who is looking at getting a loan.
good solid advice
have recommended Judith to family and they are very happy too
will keep using judith and smartlines sevices regards, cees van malland
I have found Judith to be very helpful and friendly and have been very satisfied with the experience
Judith worked with us to quickly resolve some loan issues we had from our previous mortgage advisor
She was very organised and professional through the process. Thanks Judith
I have used Smartline previously with Judith and would definitely be calling her again when required. Have also had dealings with Cathy who is also most helpful. I have also recommended Judith to friends.
Judith was professional and friendly in explaining to us our options and guiding us through the whole process. We are very pleased with the excellent service she provided and have no hesitation in recommending her to others. Thanks Judith. Best wishes, Baldev and Manmohan
Judith was a great help to me as a first home buyer. She explained things well and helped me understand what was happening behind the scenes. She also recommended a great conveyancar and rang me to see how i was going when there was delays from the vendor on settlement which i thought was nice. Thanks.
Judith has a personal and caring touch which makes you feel she is really looking out for your needs. She understood what was best for us and delivered.
Judith kept me informed throughout the whole loan process in an extremely professional and friendly manner. I would have no hesitation in recommending Judith to friends or clients.
Judith was just amazing, she made the process of buying a house seem easy, and stress free. It was a pleasure talking to her on the phone - I've been raving about her to all my friends
judith was very efficient. we were able to book an appontment with her for the first concultation the next day. She gave us a good explantion what would be the best option for us. she delivered on time. We have recommended her to a close family member who is very happy with her services too.
Judith was awesome!!!
Very professional and seamless service, making the purchase of our investment property a joy. A range of packages was presented to give us the best option for our requirements. Excellent liasion by Judith with the other parties throughout the process ensured our objectives were achieved and the purchase went smoothly.
Judith has always been extremely helpful and is always quick to respond to any questions or problems we have. Have already recommended her to a family member.
Great service kept us informed through the whole process.
Judith Baynes was very patient, understanding and took her time to explain everything to me every step of the way. I appreciated her warm and friendly manner, and the fact I could ask her any question, anytime. In the end, Judith got me the best solution for my needs and I am very grateful.
very happy with all the staff that I had dealings with thank you
Judith has been an amazing addition to our family and we thank the day that a work partner suggested we give her a call.
Both my wife and I found Judith to be immensely helpful, encouraging, friendly and open with us throughout every stage of the process. She offered practical advice and was always available to meet or take telephone calls at all hours. Judith genuinely knew what she was talking about and explained everything to us in a manner that was easy to understand and relevant to our day to day lives. During what can be quite a stressful and arduous process Judith was pillar and strength and support.
The whole process was made very easy for me. Thank you.
Judith's advice was always up to date and highly informative. I felt very comfortable in dealing with Judith and felt like I could ask her anything! Judith gave me advice suitable for my financial situation which helped enormously in the fact that she enabled me to realize my options and make informed choices.
Judith is extremely helpful and approachable.
Judith was always there for us, we felt she was a friend not just a adviser she helped everything become stress free and always answered any questions we had, was a pleasure having Judith assist us.
Judith was able to provide the service required that accommodated my business work schedule and acheived a timely outcome - it was exceptional
I thought it was very good service and Judith was very helpful. She even came to our home and explained everything we were not sure of.
SMARTLINE exceeded my expectations. After a less than inspiring meeting with another mortgage broker. I was feeling somewhat pessimistic about my chances of being able to secure an investment loan. Judith was terrific - she explained every step of the process clearly and was extremely encouraging about my application. I'm very happy about the service she provided and would not hesitate to recommend her and the team at Blackwood SMARTLINE to others. Thank you!
Judith made the whole process very easy, working around our work hours to meet and discuss. She explained all the matters very thoroughly so that we were always aware of what was going on. Even when there were some tricky hurdles she kept going and found a resolution. I never bother answering these sort of questionnaires but in this case I have made an exception because Judith was brilliant and thanks to her we are now living in our wonderful new home. I will certainly be recommending Judith to anyone I know who is looking to purchase.
Judith was absolutely fantastic, she made me aware of all my options, she talked me through the whole process, she exhibited patience and did not mind going over points repeatedly, she helped through a confusing and difficult time.
your service was fantastic, keep doing what you are doing
SMARTLINE WAS THE ONLY BROKER TO HELP ME IN MY UNUSUAL CASE
PLEASE THANK JUDITH SOOOO VERY MUCH SHE IS AN ANGEL
Liked - Judiths availability, friendliness, proffessionalism , thinking outside the square, communication.
Judith was incredibly helpful (once again)and we would not hesitate to use her services again. Thanks Judith!
Quick response to email, could just scan and email through documents.
Judith has been friendly, accommodating and totally professional throughout.
Very helpful, explained things and answered my queries very quickly.
We really appreciated the personal service Judith provided. She was always avaialble to answer our questions. She made it so easy.
We were married recently and were overjoyed to be given a gift as a present from Judith Baynes. She exceeded our expectations.
I liked the flexibity of the loans and the ability to look at different senarios. i found the service to be extremely professional and approachable with the customers view point in mind
I was really impresssed with the dedication shown to fulfill my expectations
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.
