Reviews
Average client rating
4.9/5 From 186 Reviews
We recently used Wendy Banks as our mortgage broker for the purchase of our first home. Wendy and Cheryl were both very knowledgeable and happy to spend the time to answer all of our questions and explain the process for us. We would definitely use them again in the future
Mortgage Choice were extremely thorough and expedient from start to finish of our home buying process. Highly recommended
Jordyn, Cheryl and Wendy were absolutely amazing to work with. Nothing was ever too much for them, always answering questions and getting things done as quick as possible. They made the whole process smooth and easy to understand from start to finish. Thanks so much again ladies
Excellent service, very prompt and informative. We were kept up to date throughout the process
Wendy and her team were amazing to deal with. Professional, timely and supportive, I would definitely recommend her services.
Very easy to deal with, Wendy was very helpful and knowledgeable. Will definitely go back and Cheryl was very quick to respond to any questions and so helpful. Highly recommend Wendy
Excellent customer service received by Justin Sam at Mortgage Choice Mandurah. They are very informative knowledgable in their business and everything is done in a timley manner with great accuracy. We would highly recommend their team.
Jordyn and Cheryl were absolutely lovely, so helpful and professional They made navigating the experience as a nervous first home buyer so much easier and less stressful. Jordyn was so patient with every silly question I had, and Cheryl was always quick to reply to any emails I sent. Thank you both so so much for all your efforts and help
Wendy and her team were fantastic to deal with and nothing was too difficult for them. I would thoroughly recommend them. Thanks Wendy
Wendy was extremely helpful and knowledgeable in securing us a loan for a new property purchase. The whole process was made quite simple with documents able to be electronically signed and Wendy contactable basically anytime of the day to address any concerns we had
I would highly recommend Wendy and the team at Mortgage Choice Mandurah
Wendy was amazing I work FIFO and am not often home Wendy and Her team were able to cater for this using flexible meeting times and electronic Documnet Signing and Transfers. I was able to co ordinate the entire process from site and it made so much easier.
Thanks Wendy look forward to making my next purchase.
Wendy was amazing I work FIFO and am not often home Wendy and Her team were able to cater for this using flexible meeting times and electronic Documnet Signing and Transfers. I was able to co ordinate the entire process from site and it made so much easier.
Thanks Wendy look forward to making my next purchase.
Wendy was amazing I work FIFO and am not often home Wendy and Her team were able to cater for this using flexible meeting times and electronic Documnet Signing and Transfers. I was able to co ordinate the entire process from site and it made so much easier.
Thanks Wendy look forward to making my next purchase.
We have moved interstate but still use Wendy for all of our purchases, refinancing and loan applications. She is efficient, direct and answers all of my questions. Thanks Wendy and also Sam for seeing through our latest endeavor
We have moved interstate but still use Wendy for all of our purchases, refinancing and loan applications. She is efficient, direct and answers all of my questions. Thanks Wendy and also Sam for seeing through our latest endeavor
We have moved interstate but still use Wendy for all of our purchases, refinancing and loan applications. She is efficient, direct and answers all of my questions. Thanks Wendy and also Sam for seeing through our latest endeavor
We have moved interstate but still use Wendy for all of our purchases, refinancing and loan applications. She is efficient, direct and answers all of my questions. Thanks Wendy and also Sam for seeing through our latest endeavor
Jordyn and the team Cheryl at Mandurah Mortgage Choice were such a pleasure to work with. We had a slightly unique situation for our mortgage application which was addressed in collaboration with all parties. Thanks for the great service.
Helped me with everything I needed and made the process easy for a first home buyer, great group of people and were always there when I needed to asked questions and talk to them. Highly recommend.
Once again Wendy and her team have saved the day. We have used this crew on multiple purchases and each process is flawless. Thanks again Team Mick and Lisa.
Awesome job by all involved. Seamless and straight forward once Jordyn and Cheryl were involved, cant imagine going through this process without them.
I am so thankful to Wendy and her team and 100 recommend contacting them for your mortgage options.
Wendy made the application process simple and easy to understand and provided a fast turnaround for mortgage options.
Wendy and her team were there every step of the way, making themselves always available, face to face, phone andor email if I had any questions.
Excellent service
Wendy was amazing I work FIFO and am not often home Wendy and Her team were able to cater for this using flexible meeting times and electronic Documnet Signing and Transfers. I was able to co ordinate the entire process from site and it made so much easier.
Thanks Wendy look forward to making my next purchase.
Hi all we recently went to mortgage choice broker in Mandurah and they helped us purchase our home , our case was a little bit different as it was a family purchase
more than one buyer and they made it simple to understand and they were absolutely fantastic we all felt comfortable discussing our finances as they are all very professional and friendly.
I wanted to essentially thank Justin,Wendy and Sam at the Mandurah branch.
Thanks so much for everything ,you guys have exceeded our expectations and we are very grateful.
So if youre looking to purchase or invest please give mortgage choice broker in Mandurah a go they are the best.
Wendy was great to deal with. Nice stress free process. Answered any and all questions I had. Thanks
Accessible, helpful, great communication and pivoted when we needed to change direction. Would recommend
The team are Great. They don't give up trying to get you a mortgage that suits your circumstances and will keep you updated through the process. I highly recommend them .
I would like to thank Wendy and Cheryl from Mortage Choice. Their service were excellent and absolutely professional. They come highly recommended Thanks lovely ladies.
My partner and I just brought our first property with the help of Wendy and her team from mortgage choice. They were super helpful and thorough and guided us along the way in helping us choose the right home loan and choices for us. Wendy was available even after work hours and made the process a lot less daunting. We would definitely recommend their team.
I would like to thank Wendy and Cheryl from Mortage Choice. Their service were excellent and absolutely professional. They come highly recommended Thanks lovely ladies.
I am incredibly grateful to Justin, Tayla, Sam and the team at Mortgage Choice for their exceptional work in securing a loan for my investment property in Perth.
Their dedication, expertise, and professionalism made the entire process smooth and stress-free. Justin and his team went above and beyond to ensure I got the best deal possible, always keeping me informed and addressing any concerns promptly and guiding me every step of the way.
Their commitment to customer satisfaction is truly commendable. I highly recommend Mortgage Choice for anyone seeking reliable and efficient mortgage services.
Wendy did an amazing job of sorting out a difficult SMSF loan, I highly recommend her.
I cant recommend Wendy and her team at Mortgage Choice enough. My separation refinance turned into a bit of a challenge which ended up in court. Wendy was honest, helpful , knowledgeable and compassionate with my circumstances. We finally got there in the end but we couldn't have done it with out her help. Thank you so much.
Excellent customer service from
Wendy Sam that made the purchase of a new home quick and easy.
This office and its employees are exemplary in ever way.knowledgable courteous,friendly I can't speak highly enough
Jordyn has helped us buy and sell a number of times now and has made the process easy and worry free each time. She has gone above and beyond to help us with everything we have needed and always kept us well informed and up to date. We can't recommend her enough
Cheryl and Wendy from mortgage choice was amazing. They were super attentive and they made sure we got the best deal. Thankyou again
UPDATE Another success with Wendy Refinancing in this climate of rising mortgage rates has been a great outcome for us. Wendy's expertise in all things financial - and her friendly and professional team - has repositioned us for the better. Nothing is too hard and no questions are too silly. Much appreciation, as always - there's no doubt we'll be back again
Wendy Banks is a legend. Because of her, several months ago we secured a block that we love. We are now moving to the next stage of the journey into our dream home, and her knowledge and service is making that a reality too. Shes an expert in her field and a cracker of a person to boot, and we are so appreciative of her help. Cant recommend her highly enough, we certainly wouldnt trust anyone else for our financial requirements. Thank you so much, Wendy.
The team at mortgage choice are great to work with, made getting a loan a simple process
The whole team was very helpful and friendly. Made our first home buying experience pretty smooth and trouble-free. Will use them again in the future if we decide to get a 2nd house.
Wendy and the team at Mortgage Choice helped us obtain the mortgage for our dream lifestyle property. This is the second time we have used them and would highly recommend them to anyone.
Would definitely recommend Wendy and the team, She and the team have helped us on numerous times, always a pleasure. 5 stars James and Mandy
Mortgage choice mandurah make everything so easy for there clients. I wouldn't use any1 else
Cannot recommend Wendy, Cheryl and the team at Mortgage Choice high enough They have been so professional and helpful, Wendy herself is so friendly and more than happy to help. I did not know much about mortgages or the process to purchase a house, and she answered many a question for me. She made the process so smooth and stressfree. Would definitely recommend
Great people, the staff did all they could to get our finance through, and on time. Was an easy way to get me organised with all the documentation for the loan application, would fully recommend Mortgage Choice Mandurah to a friend.
I have just settled on a property and am really grateful for the assistance of Wendy Banks. Wendy is so friendly, warm and knowledgeable. I felt as though nothing was too much trouble for her. If you're looking for a property and you want an ally by your side call Wendy.
Wendy and the team at Mortgage Choice were nothing short of amazing. They guided us through each step of the process and remained extremely transparent about everything. I really felt as if they were absolutely on our side and worked to get us the best deal possible. They are so easy to communicate with and so kind and personable. I never felt in the dark and no question was to big or to small.
We will definitely be using them again when were ready to buy our next property.
We would highly recommend the girls at morgage choice they have helped us all the way with the ups and downs and the stressfull parts we had no idea about they were always there just a call or email even just walking in there was some one always there to help
The Team @ Mortgage Choice Mandurah are and were sensational Wendy, Rita and Susan, the whole crew made buying a house a quick and easy process. They were quick, thorough, attentive communication and promptly responded to all of our questions. They sent a follow up email a couple months after moving into our new house to check if everything was going smoothly.
I highly recommend Mortgage Choice Mandurah to any one who is looking to buy their home. I Will absolutely 100 come back when and if I buy another house.
Thanks Team
I have used mortgage choice on several occasions, they are very professional and friendly, over the years all my questions and concerns have always been answered above and beyond what they needed to do, I am very happy to recommend their services 100, Sue, Rita, Wendy are a joy to work with
Susan and Justin at mortgage Choice brokers were amazing at helping us refinance our home loan. Nothing was to much and they went above and beyond for us.
We 100 recommend them and will be using them in the future if we need to.
As first home buyers, Justin and his team made the entire process so seamless and stress free. We are so thankful to have him guide us and would not hesitate to recommend him. Thanks Justin and team
A friend recommended Wendy Banks, so I decided to give her a call. She listened to what I wanted to achieve and provided product comparisons that showed me how I could make significant savings. I cant thank Wendy and her team enough. They supported me through the whole process while I was in a busy phase at work and home. Five star, professional service
Wendy went above and beyond for us. Always replied to my emails within a few hours of being sent. Superstar Thank you.
Very helpful for first home buyers in walking you through multiple options and choices to obtaining a mortgage and buying a property. Wendy has been a fantastic help and could not recommend anyone higher.
They are amazing I couldnt do without their help and never gave up on us
If you're looking for a professional Broker, Mortgage Choice is definitely recommended by me. A big thank you to Justin and his team for the best customer service I've had in a long time. His staff are very friendly and helpful, and thank you Susan for helping me with the computer side of things.
I was very impressed how quick my property settled.
Thanks again team.
Wendy and the Team are amazing. So each to deal with. Great communication and fast acting. Would recommend
Wendy Banks from Mortgage Choice in Mandurah is fantastic. She goes over and above for her clients and works hard and tirelessly to help. We are very grateful for her knowledge and expertise and the positive outcome for our situation. We would highly recommend Wendy to help you in any aspect of mortgage or refinancing.
Thanks heaps Wendy
Jordyn Quinn has made the process much easier, I would highly recommend her services to anyone seeking a mortgage broker and we will be reaching out when the need arises again in future.
Justin and the girls all went above and beyond to help us with our refinancing and anything we needed help with
Very satisfied with the service from Justin and especially Rita Sach who was on call 247.
Thank you to you all.
Very knowledgeable and friendly staff who look to make the process of refinancing as easy as possible
Happy all
And all with Justin even when he was having time off we could still get answers will be using again when We build
Really supportive, patient and helped with everything needed especially for a first home buyer.
Nice people very helpful made the whole experience very easy
Very professional and friendly team. Helped to make the process of buying my first home a joy ??
Great service, helpful feedback to many questions I had & overall made the process easier for me! Highly recommended
Very helpful and friendly service.
Wendy was secured me a great loan and helped me through the paperwork to access all the government grants I was eligible for. Wendy and the staff at the Mandurah branch were always friendly and willing to help at short notice. Thank you!
Wendy was amazing she answered all my questions and was happy to do so I can not thank her enough for making this process as easy as possible.
Wendy was absolutely amazing right from the very first time we met. Nothing was ever too much for her and she kept me fully informed during every step of my application. As a first home buyer I needed that little bit of extra help with forms etc and nothing was too much. The whole team at the Mandurah office were great. I would definitely recommend Wendy to anyone.
Wendy was very helpful and answered all my questions.
Thanks
Great bunch of people, very helpful and informative
Our refinance application took too long which was mostly because of the bank being slow processing the application, however I do believe that smartline staff also played a role in the long wait by not doing the process properly. The result was we missed the settlement deadline and couldn't get the promoted interest rate which was advertised.
What a great team
Thankyou for your professionalism
Your knowledge and assistance.I am very satisfied and will absolutely be a return customer and will happily recommend Smartline to family and friends without any hesitation. Thankyou again Smartline team.
I am a first home buyer and was very nervous and didn't know much but Wendy explained everything and went above and beyond to make it happen
We would like to thank and appreciate, promote and share smartline Mandurah for their goods and services ,from company's friendly , professional and welcoming staff, who made the whole home loan process so cool, smooth and stress free for us.
Not to forget Wendy Banks who was their and still with us from day one to guide and achieve our home loan application accomplished .
Thank you Wendy and Smartline Personal Mortgage Advisors, Mandurah
Wendy banks at smartline is a legend sorted out our new mortgage very quickly and professionally always stayed in touch made our life very east thankyou Wendy and smartline we highly recommend
Wendy at smart line was amazing. Professional, quick to respond to callsemails, and make the process so quick and easy
Wendy Banks was fantastic to work with and made the entire process simple and quick. I would definitely recommend her. Thanks again Wendy.
Wendy worked incredibly quickly and hard to organise our finances and approval to get us over the line in a very short timeframe. It was amazing to have such an efficient experience
Completely above and beyond service. Couldn't reccomend any higher.
Very professional and efficient service provided by Smartline - thank you
Highly recommend for home loan or refinance
Best service and professional, Smartline is now my choice
Wendy was amazing, tireless, responsive, very professional, guided us with the best advice, amazing result, better than I hoped for.
1010. Nothing is ever too hard for Wendy She is absolutely amazing at what she does. Her calculations, efficiency, professionalism and personality are second to none. We will definitely go through her again for our lending Thank you
Wendy is extremely hard working and knowledgable. She will take into account what your goals are and guide you on how to achieve it. Wendy has made it a smooth process and very approachable. I would highly recommend her services. If i could give more than 5 Stars I would Thanks so much Wendy for helping us.
My partner and I can not Thank Justin and the team at Smartline Mandurah enough for helping us make our Australian dream a reality. From the first meeting with Justin through to settlement the whole way though they have helped with any enquiry or questions without hesitation. Even when I was feeling overwhelmed with anxiety and stress the team put me at ease. They have gone above and beyond expectation. We 100 recommend Smartline Mandurah to anyone looking to go through a broker. Don't waiste your time going anywhere else. They are truly amazing. It was a pleasure to have you manage our first home buying experiance.
Justin and the team were so professional and helpful. This is the second time i have used Smartline and both times they have gone above and beyond. Would recommend the team 110% thank you :)
Wendy Banks has answered all questions at ease. She even inform me what is availability and advise on which product suits me best.
Love her speedy response and exceptional work which I can tell she follows through and always keep me updates!
5 stars and 10/10 to Wendy Banks for her work on our finance approval and house purchase
From start to finish everyone at Smartline were helpful , professional and patient . I was kept informed of the progress of my application the entire time and every curveball thrown at them was explained to me and a soloution found.
Wendy was professional and knowledgeable and very helpful throughout the process
Highly recommend Smartline. Justin was easy to deal with and extremely knowledgeable. The ladies in the office are an outstanding team. We can not thank them enough for the effort and supoort through out our whole first home buying experience.
Wendy has been an excellent advisor. She has always responded quickly to any queries and has made the whole process much easier than I expected.
Absolutely outstanding service provided by Wendy. Again! Thank you so much for helping us out and setting everything up. Awesome service.
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Justin is a bloody legend, straight to the point and always goes out of his way to make things happen
Wendy was an absolute dream to work with. I am so grateful for her support and kindness through this process.
Justin and Susan kept me well informed throughout the application process. They did everything possible to ensure everything was finalised in our tight timeframe. Very happy with the professional service.
Justin and the entire team in the office were very friendly,efficient and supportive throughout my entire experience with them. Would definitely recommend their team to anyone looking for their services.
Smartline where always there for support and advice throughout my application for a new house loan for both my properties over 16 years. Always keeping me updated with the market. I highly recommend Smartline Morgage Brokers for all my business needs. Thankyou
Could thank smartline enough for helping with my loan, they really professional an take there job very professional. I couldn't recommend smartline enough and so glad I went through smartline! Thank you
Wendy is very professional and passionate with assisting people find the right Homs loan for them. She was always readily available and provided updates on how the process is going. I’d highly recommend Wendy! Thank you so much!
We have utilised Wendy Banks' services now for 2 properties and both times the loan approvals went seamlessly. She goes out of her way for her client, answering emails and calls on weekends and after hours and always provided us with what was the best select for us. She did all the hard work and so very appreciative of her time and work ethic, not to mention professionalism. We would highly recommend Wendy for any financial queries and loan submissions - we will continue to go to her.
Thanks Wendy!!
Big thanks to Smartline for all their hard work and the process from pre-approval to settlement was a breeze. Justin, Susan and the team kept me updated at all times and I will happily recommended them to anyone.
Wendy was friendly , approachable and well informed , very easy and stress free to deal with at Smartline Mandurah , made getting our first home loan easy and a great memorable experience.
Justin was fantastic, we are in such a better financial situation. Would definitely recommend
Very professional service, went above and beyond with help and advice, all requirements of paperwork and service to us was outstanding. We had the services of Wendy Banks, she had quiet the task to achieve as our circumstances went on for quiet some time, but Wendy never gave up. Impeccable and outstanding commitment, we would recommend highly the services that Smartline have available.
Wendy bank was extremely professional and lovely , highly recommend.
Great product knowledge.
Friendly and helpful, professional service .
Excellent communication.
Successful outcome.
Highly recommend Justin and Team .
Amazing customer relations , the process was so smooth, highly recommend smartline to everyone I speak to about loan information
Very easy to work with, made it vet easy for me to understand things when I didn't quite get them. Quick and friendly service, every time
Wendy is extremely hard working and knowledgable. She will take into account what your goals are and guide you on how to achieve it. Wendy has made it a smooth process and very approachable. I would highly recommend her services. If i could give more than 5 Stars I would! Thanks so much Wendy for helping us.
I took out a loan for $240k thinking I was eligible for a cash back from the lender.
But it wasn’t until later that I realised that I needed to take out a loan in excess of $250k to be eligible for the cash back offer. Had I realised that was the case I would’ve loaned the additional $10k in order to receive the $3k cash back.
wendy is an amazing person dedicated and realistic in that she does what she say she will do and gives you the outcome you need many thanks for her hard work and will continue referring her to anyone that asks
A little disappointed with my advisors personalized service as the franchise in Mandurah has changed hands, My past smartline advisor (Coral Jones) gave me more personalized service, Sue & Rita at the Mandurah office were fantastic as usual
Wendy was amazing throughout the whole process.
My financial situation was out of the norm and a hard one to sort out - Wendy persevered and worked through each obstacle alongside me. The personal service I received was over and above anything I ever expected - the outcome was successful and my townhouse settled yesterday Im a very happy lady and cant I recommend her enough - Thanks Wendy for being so exceptional at what you do
Cheers for an easy experience
1010 Wendy was excellent to work with. Very responsive and easy to talk to. Would definitely recommend
Wendy Banks is amazing, she's professional with a wealth of knowledge. I firmly believe in using the right expert when needed, she went above and beyond to deliver exceptional service and finance.
Wendy Banks at the Mandurah branch is amazing, she succeeded where other mortgage brokers had failed and got me a better deal to, go see Wendy don't waste your time with anybody else, thanks again wendy
I’ve used Wendy Banks at Smartline Mandurah twice now and she has been exceptionally easy to deal with. She gets the job done fast and found the right mortgage to suit my needs.
I highly recommend Wendy Banks!!
simply awesome ??
I would extremely urge anyone to use Wendy before wasting there time with anyone else, where Aussie home loans failed Wendy succeeded, with a better deal then I was told I would get, Wendy was highly professional and goes the extra mile
Hi I went through Wendy Banks in Mandurah and Wendy's help and advise was awesome and was always available if I needed to ask or needed help with anything I could not of done it without her
Wendy worked very hard to get my loan across the line.
My broker Wendy banks was excellent . Did everything possible to help me. She has kept me updated throughout the process. Would definitely recommend her to others.
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Very helpful when I needed advice for finance and what I can and can’t afford. I found my forever home and can’t thank them enough
Wendy was always happy to answer any questions we had through the entire loan process, becoming a guiding hand in a confusing, stressful task. She also worked wonders sorting out issues with both our bank and land agent. Highly recommended!
Wendy was my advisor and I cannot recommend her enough. She is so professional and goes over and above. Wendy took the stress out of applying for a loan and everything that came with it. Thank you Wendy!
Wendy was an absolute gem! Extremely friendly and always available and happy to help me through the whole process. I would’ve been lost without her!
Wendy went out of her way from the start to help us even though the loan was only a small one, great service!!
We couldn't be happier with the service we received from Wendy and would recommend her to anyone in need of her services.
As first home buyers we wouldn't be in such a great position now if it weren't for Wendy's extensive knowledge and understanding
We were very pleased with our advisor she kept us informed throughout our loan application. We would not hesitate to recommend Wendy Banks .
Wendy was very good to deal with very easy.Great job cheers
Wendy contacted me through my realestate agent. I had been declined finance through my bank, even though I owned my property I had on the market. Wendy came to my home over 60 kms from her office to sit down with me and discuss my situation.
Wendy has been very helpful and most efficient when refinancing our home loan. From my first enquiry right through to settlement (and beyond) Wendy has been there to answer our questions and help us through the process. She has been fantastic to deal with
Wendy was an exceptional mortgage broker and i cannot recommend her more highly. 1st class service.
Wendy Banks is amazing, she's professional with a wealth of knowledge. I firmly believe in using the right expert when needed, she went above and beyond to deliver exceptional service and finance.
Professional and reliable
I never thought i would ever own a property again and Wendy made it her mission to see it happen greatly appreciate her effort and commitment to seeing this happen
Wendy was an exceptional mortgage broker and i cannot recommend her more highly. 1st class service
Wendy has been very helpful and most efficient when refinancing our home loan. From my first enquiry right through to settlement and beyond Wendy has been there to answer our questions and help us through the process. She has been fantastic to deal with. I can highly recommend Smartline.
Found Wendy very easy to talk to and help in any way
Coral was our broker and I am so sorry I only discovered her and team recently So absolutely professional and efficient. What a wonderful experience. They truly went above and beyond. Nothing too much for this team.
Rory is the go to man i couldn't recommend him and the team highly enough, the level of experience and service that i have received has been overwhelming Thank you Rory for your outstanding service.
Rory from Smartline is very experienced in all matters related to Home Loans and mortgages. He is very approachable and explains very clearly. Highly recommended
Rory was extremely helpful. We are now saving nearly 100 a week on our mortgage Thank you
I can highly recommend Rory from Smartline Home Loans Mandurah. He is extremely knowledgeable about the industry and easy to work with. Always very professional.
The best part of the home building experience was dealing with Smartline. The team were great, helpful and especially good at answering the 'dumb' questions that a first time buyer in Aus threw their way.
They were recommended to me by a friend, and I am happy to recommend them again.
The most help I have ever had, Phil even organized a after hours appointment. Thanks a lot. I'm on track and will be back soon
Coral has been our broker for years and nothing we ask if ever too much trouble.
It is reassuring to know that we can get the best lender and rate for our circumstances from the experts under one roof without having to shop around ourselves.
Why go anywhere else when Coral and the team at Smartline Mandurah can help with all your finance needs. Save yourself the time and stress
I had always been a bit cautious of Brokers , thinking that they wernt aware of everything they sell . Nothing is further from the truth at the Mortgage Gallery Smartline in Sholl street . Here you get choice and fantastic customer focus . No need to meet Bank Managers anymore , leave it to the Professionals
Coral helped us with our first mortgage some 15years ago and we are now onto our fourth. We wouldn't go anywhere else. We don't even live in Mandurah and being down in Albany and sending paperwork back and forth via mail, fax and email was no issue at all. We have recommended Phil and Coral to our friends and now they go to Smartline for all their mortgage needs too.
