Reviews
Average client rating
4.9/5 From 232 Reviews
Neil guided us wonderfully through this otherwise very stressful process of finding and financing a new home. His communication and his advice right from the start was superb. We could not have asked for a better person to help us with our loan.
Neil is outstanding. He took the time to clearly explain things and not cut corners. He didn't pressure us in any direction but provided solid advice on our situation with tangible options. He was available for any questions big and small. Additionally, he had excellent record keeping.
Neil moved quickly and made things happen. Thanks Neil.
Neil Bradford is a trusted and honest advisor who I will continue to use for any future decisions. He puts up with my lack of financial knowledge and clearly states what is possibile and how to achieve it.
Neil went above and beyond for me and as a first home buyer it was extremely comforting having someone so ready to help by my side. He is extremely knowledgeable and there was never ever silly questions with Neil. I would like to thank Neil and the rest of the team at Smartline very much for my first successful purchase.
Neil is the best. So helpful at every step and always ready to give advice and talk things through. Wouldn’t want to go through the process without him!
Neil has been our advisor for many years. He is honest, reliable and always available. We wouldn't bother dealing with anyone else.
10/10 - Neil is fantastic so much knowledge. Clare
My smart line advisor gave me the best advice and worked with me through thick and thin and even thinner $$ to make sure I was able to purchase the family home for the kids to keep living in.. many many thanks ????.. goes to Neil..
Great
Excellent service, highly recommended.
Neil went above and beyond to support me through a challenging application. He was a great voice of reason and was objective throughout which was just what I needed. Very happy with the process
Neil always goes above and beyond expected. Always a pleasure to deal with.
Best mortgage broker ever!
Neil is the absolute best. He worked with me and found the most suitable solution for my needs. He continued to explain everything to me every time I requested more information and was always available and had time to talk. He has gone out of his way
Neil was simply amazing. The knowledge, service and care that was shown by Neil Bradford was well above any expectations I had. Neil is a credit to Smartline and the industry could certainly use more men of his high caliber. Thanks for everything.
Neil's been our adviser for over 12 years now. He's prompt, professional with integrity and ethics. A good communicator who always gives the right advise to us. Always goes above & beyond. We recommend him to our friends all the time.
Thanks Neil.
Neil Bradford always goes above and beyond expectations. He is willing to listen to any queries I have no matter how silly or time consuming they may be. I highly recommend him to family and friends regularly.
Joe W
My service was definitely top class and he definitely knew what products were available and what product was best for my circumstances
Neil was helpful at all steps, at one point even answering an email question I had on a Sunday... I will definitely be using Neil again in the future for any financing needs
Neil was top notch with both our original mortgage and then 3 years later with a top up for renovations
Neil is great. He walked us through the various options and was very helpful in answering any questions we had.
Absolutely fantastic from start to finish. Mr Bradford was outstanding in delivering what he promised. I highly recommend him and smartphone to every person I know. Easy to deal with, with a world of knowledge freely given. We endeavoured a few hiccups along the way (No fault of smartline), and Mr Bradford kept us informed of every possible outcome, and time frames.. This is what makes a great business to deal with. Honest, reliable, caring, intelligent dealings.. thank you heaps...
We have nothing but praise for the service Neil has provided us. Neil has helped us several times over the years and we will continue to work with him for any future purchases.
Neil has been an amazing help guiding me through the buying process not once but twice! Would highly recommend anyone looking to purchase seek his extensive knowledge to make the process as clear & easy as possible. Will continue to seek Neil's for many years to come.
Neil's great kept me informed at all stages as he has done in the past
Neil is a fantastic adviser. He will go out of his way to explain everything you need to know to make an informed decision.
Neil was fantastic to deal with and guided us through the process of applying for a home loan. He helped us understand all of our options and obligations and was always available to answer questions or offer advice. We would gladly recommend to our friends and family.
Neil Bradford went above and beyond as a mortgage broker to ensure i did not lose my family home due to a separation.
Neil Bradford provided service above and beyond our expectations. He was extremely knowledgeable and kept us informed on the progress of our loan applications. He provided us with very detailed information and answered all of our queries and questions about purchasing property and the obtaining home loans. He was easily contactable via phone and email throughout the purchasing process. I highly recommend Neil as a Mortgage Broker to anyone looking to purchase or refinance their property/s.
Neil is an organised individual, who knows the banking industry well. I would have no hesitation in recommending Neil to friends and family.
We were trying to get an unusual mortgage where we could purchase a house in conjunction with my mother. We had spoken to other mortgage brokers before, but Neil was straight away able to identify the best type of mortgage for this situation and make it all happen.
Neil was very upfront and honest
Will recommend for sure
Nothing to improve - top mortgage broker!
Neil was very knowledgeable and helpful right through the whole process. Would highly recommend his services!
Neil is knowledgeable, personable and has a way of explaining the options that is thorough but not overwhelming. He is very responsive (eg meeting out of work hours, responding quickly to email queries) and always follows through with information and requests. Can’t recommend him enough!
Neil is knowledgeable, personable and has a way of explaining the options that is thorough but not overwhelming. He is very responsive (eg meeting out of work hours, responding quickly to email queries) and always follows through with information and requests. Can’t recommend him enough!
Karen and I have used Neil over the past 10 years, without Neil\'s experience and professionalism we would not be in the strong financial position that we are today. Neil has also assisted our daughter in purchasing her first home. Would recommend highly, Regards Bruce
It was my first home purchase and Neil was very supportive in explaining the process and the various options I had
We have dealt with Neil for years now and have always received personal service with great rates and advice to improve our position.
I would highly recommend him to anyone.
Neil has advised me regarding my loans for several years now, and I trust him to help me. On 2 occassions during the renewal of the loan process I had occassion to go in and see the bank at arana hills myself and also had to make a call to the homeloan centre with the CBA, on both occassions i received inaccurate advice and Neil was able to sort those matters out and re-assure me and have it corrected immediately. I do recommend Neil to my friends because I believe he does have his clients best interests in mind when working with them.
Neil has been helping us achieve our dream for nearly ten years and we wouldn\'t be in such a great financial position without his advice.
We have been using Neil as our broker for almost 10 years and are still amazed at how good he is at what he does. Neil has been upfront and honest about our situation and right mortgage choices for us, which is why we keep coming back. i would definitely recommend him to any of my friends and family who are looking at buying/remortgaging or just a general mortgage health check. Thanks Neil, you went above and beyond.
Dave & Lisa Munro
We couldn\'t be happier with Neil. He came strongly recommended, and from the first phone conversation we could immediately see why. He exceeded our expectations in every way, and made the whole process of buying a home an enjoyable and stress-free one. He was extremely generous with his time and always willing to answer our many questions promptly and thoroughly, and never left any stone unturned. We also appreciated his frankness and honesty, particularly when it came to making important decisions. We now have a house we are especially happy with, and we could not have made this journey without Neil\'s encouragement and ongoing guidance. We will have no hesitation with recommending Neil to others.
Neil made what had in the past felt complicated one of the simplest processes we have ever experienced. We won\'t just recommend him, we will use him again.
Professional & helpful service, Neil made the process happen swiftly & smoothly with constant clear communication throughout the whole process. 10/10 would recommend to anyone that would benefit from his service.
We had a very trying purchase and Neil solved every problem to take the stress away from us.
We would and do recommend him to everyone we know
Neil has been extremely helpful on the house purchasing journey and I have recommended him to everyone I know. He is amazing and I will never look anywhere else.
His level of professionalism is great and his extensive experience in the industry is invaluable.
Neil was fantastic and was really helpful. He was able to answer any questions we had straight away. I would definitely recommend him to others
Legend
Neil have gone the extra mile to help us. Very thorough and patient in helping us with our questions.
We were so happy with the service we received from Neil that we have been recommending friends to ring him if they need a loan.
Neil was always available and helpful and generous with his time. He was there for us when we needed his support. Thank you Neil!
Neil went out of his way from day one to see how he could assist us get the best mortgage for our new home. He was very prompt in doing the relevant research and getting back to us and always with very comprehensive information. Overall, he went over and above in providing us with excellent service (and friendly demeanor) throughout the entire process. He got us a mortgage with a lower interest rate that we anticipated. We are very pleased indeed. Thanks Neil!
Neil provided us with accurate advise and continually kept us up to date with the progress of the loan application. Neil is very knowledgeable in his field and assisted us with filling out the application forms which are always very time consuming.
My wife and I would certainly recommend his services to everyone we know.
Smart line made the process of refinancing clear and simple and Neil\'s attention to detail ensured that the process went smoothly.
Thank goodness for Neil and his determination and thoroughness to get this mortgage review through, if it wasnt for him we wouldnt be in the great position we are now.
Neil was on the ball for the entire process,highly recommend Karen & Bruce
Neil is Legendary!!
We keep coming back to Neil, he has helped us with several major changes to our finance needs and even though we are interstate we will continue to use Neil for his advice and support.
Neil is a pro-active operator. He contacts you with market changes and gives you options to think about regarding your own personal circumstances. I cannot speak highly enough of his service.
We have dealt with Neil for approx 6-7 years now he is a fantastic advisor, he is always available, honest, open and professional. I could not speak highly enough of the service he provides.
Sensationally Brilliant. Neil is organised, efficient and extremely knowledgeable. He saved my wife and I heaps of money and was always ready to help. It seemed like I was his only client. He is a tremendous asset to your company and I have since recommended him to my family and friends. Thanks Neil.
Legend in every sense of the word!!
Neil's service was impeccable and well exceeded my expectations. Neil was recommended to me and I will definitely be doing the same.`
We would like to express our thanks for the work Neil has done for us over the past years. Neil's always gone above and beyond the call of duty for us. It is really refreshing to work with a personal mortgage adviser who is truly interested in their clients needs, circumstances and preferences. His professional, ethical and caring nature elicits our trust and respect and we are happy to recommend him whenever possible.
Neil was fantastic. Always kept us up to date with what was going on. Never bother with the minor stuff just got on with the job and hand and organised everything to suit our financial situation and what we needed. I will be continuing to use Neil for all of my future endeavours.
Victoria and I have used Neil Bradford during four home purchases to date as well as numerous refinances of property. He is always putting in more effort than could ever be expected. I recommend Neil to everyone who is considering purchasing a property. Keep up the great work Neil!
Neil not only found us a home loan to suit, he was very proactive in contacting us to ensure that we had completed or arranged essential tasks in purchasing our house. This was above and beyond what I would expect from a mortgage adviser. As first home buyers, Neil's knowledge and guidance was invaluable.
Neil was a fantastic help, always available to answer questions. Made the whole process so much easier and he helped me buy my first home!
good bloke
good service very happy all round
Neil did a great job organizing our loan and would and have recommended him to others
Neil kept me informed every step of the way and gave me every option that was available to me.
My wife and I found Neil's advice very helpful and information he provided for us help us to make decisions based on good information. Neil was recommeded to me by a work collegue and we have already suggested Neil to some of our friends.
Neil was great. He completely explained everything to me and provided and outstanding service. Neil made the whole process run smoothly and was upfront about everything.
My husband and I can't fault Neil Bradford, he has been such a wonderful help with great advice. He is always available for all our queries no matter how small, nothing is a problem for him. We highly recommend him to anyone looking for a mortgage broker.
I got onto to Neil through a workmate and friend - Kate - who was the first to respond to my 'call out' to all my new-home-owning friends. Neil was very friendly and easy to talk to. He helped me through all the sometimes overwhelming things involved in a first-time mortgage. I would - and have - recommended him and plan to see him again when I am ready to for my next investment property. I realise your software would have copyright/ intellectual property-type provisions, but a summary table of the top 3-4 options would have been good to take away and compare when thinking it over and discussing with my family. (Neil emailed me a summary - which was very helpful - but the 'accountant's daughter' in me wanted a bit more detail..! Thanks.
Neil was a great help as he always is. He went above and beyond to find the best provider and secure our loan.
Outstanding representative for your company. I could not find a single issue with anything Neil did for us. He was polite, friendly and punctual, but above all extremely knowledgable and put everything into language that I could understand. I have already recommended Neil to other people.
Neil was very accomdating to our needs and was very flexible to our time frame.
Neil helped above and beyond, almost humanly impossible what he did for me. l must have been so frustrating for him. He had the patience of a saint. Definitely deserves a holiday after dealing with me. All the best to Neil Bradford.
Neil helped above and beyond, almost humanly impossible what he did for me. l must have been so frustrating for him. He had the patience of a saint. Definitely deserves a holiday after dealing with me. All the best to Neil Bradford.
Neil goes out his way to help and advise. His knowledge of the industry is vast and the options he puts forward certainly help.He has helped me expand my property portofolio, as well as those I have recomended him too. Well done Neil!!
I would not use anybody else but our wonderful Smartline advisor Neil Bradford. He keeps us up-to-date with newsletters and got us the best deal for our home loan. I recommend him to all our friends and the best part we save thousands of dollars. Thank you Neil you are a legend.....
Simply a pleasure to deal with. Thanks Neil.
I talked to Neil and I talked to my bank. Neil accurately assessed my situation and explained things in a way that made me feel that what I was considering was actually possible. I also did due diligence and sought information from other sources. One provider was my bank (the lender I eventually received the loan from), they left me feeling confused and that it was not possible. Neil made the whole process easy, convenient and enjoyable.
We have used Neil many times and hold the utmost confidence in his service.
Neil Bradford has provided a service far beyond my expectations. He is helpful, friendly, quick to follow up and always responds promptly. I would definitely recommend Neil to family, friends and colleagues who require mortgage advice.
This is the second time I have used Neil Bradford and both times I have found is knowledge and experience to be very high, which helps puts all your worries aside. Equally as important was that he was always contactable 7 days a week and was quite happy to talk to you about any queries for as long or as little time as you needed to be satisfied. I would happily recommended him to anyone looking for a knowledgeable and friendly broker.
This is the second loan I have asked Neil to broker for me. I cannot fault the service provided. I have also recommended his services to others.
This is the second loan I have asked Neil to broker for me. I cannot fault the service provided. I have also recommended his service to others.
hi i would like to say dealing smartline personal mortgage adviser Neil Bradford has always been a pleasure,over the years neil has always found the right home loan to suit our requirements. i like the out of hours service that neil has always provided for us, we like most people have a busy schedule and find it difficult to get to a bank or mortgage brokers office. smartline customer service has gone above and beyond all expectations and will always be happy to do buisness again. kind regards shane and anita bradford
I loved the fact that my adviser came to the house to discuss my loan and really kept me informed with how everything was going.It was a very easy process and I believe it will save me a lot of money in the future.So thank you Neil you did a great job.
I feel Neil certainly was generous with his time and helped me acheive my goal of owning my own home.
I was financing the purchase of land, and the construction of a house. My loan application lasted approx 18 months from start to finish, with a application switch (one bank guarantor loan to a different bank non-guarantor loan) in between. Neil was very helpful and understanding of our situation, and was readily available to answer all of my questions along the way.
Brendan and I felt Neil pushed Commonwealth's product. We understand that product was apparently the only one available on the market to suit our particular situation but we did not want to go with a big bank. We were happy with our current bank and are happy with the result we achieved. In the first instance, we received incorrect docs from the bank which I felt we should not sign and queried Neil. Neil emailed back a week later saying he had spoken with the bank and they had said it was ok to sign the docs. I refuse to sign incorrect docs as I have worked in the legal industry before and know the importance of correct documentation. When I sent Neil an email asking for the name of the person at the bank who had said that we could sign incorrect docs amongst other things (as I had intended to contact the bank about that person) I did not receive the name but was told the docs would be reissued. That email I sent to Neil also gave a solution that the Bank could provide us with a letter on letterhead authorising us to sign incorrect docs but the letter also had to include the correct details of the loan as well as other things. I could not believe we had been told it was ok to sign incorrect docs with nothing in writing and am disappointed my mortgage broker would advise me to do so. The second set of docs also had some errors that would need to be fixed in order for them to be lodged at the Titles Office. When we discussed these with Neil it was agreed I would ring the Bank and advise them of the errors. When I rang the Bank the next day Neil had already spoken with them. I had not mentioned a minor error to Neil but because it had been agreed that I would ring the Bank I was going to mention it to the Bank at that time. When Cherise received a telephone call from Neil saying settlement was ready to go but it was her solicitor holding up settlement, she immediately rang her solicitor. Her solicitor advised it was actually the Commonwealth Bank holding up the release settlement and they would follow it up with Commonwealth as we wanted settlement to go through as soon as possible. We felt that having had worked at Commonwealth Bank Neil tried to promote them and perhaps protect them as well. Neil was however always contactable and generally responded promptly to email communication (I never had cause to ring him). He was also cheerful in his demeanour. It is mainly because we were told to sign incorrect docs I would not recommend him as a mortgage broker.
process was made extremely easy by neil.
Neil has spent numerous hours working and researching our unique situation. He has done nothing but provide excellent and professional service with a vast amount of knowledge of products and services available.
everything was done expertly and handled well
NEIL WAS FANTASTIC - HIS PERSERVERANCE PAID OFF. HE WAS ALWAYS AVAILABLE TO ANSWER ANY QUESTIONS AND WAS VERY HELPFUL AND PROVIDED A FANTASTIC SERVICE ESPECIALLY WHEN WE NEEDED IT. I CANT PRAISE HIM ENOUGH. DEFINATELY DUE FOR A BONUS!!! OR PROMOTION. THANK YOU NEIL, YOU WERE GREAT.
Although we got held up through no fault of Neil he was always will to give us an update and go out of his way to help us re signing of documents at 4.30pm on a friday afternoon. Will recommend to friends and family and will be more than happy to use Neil again in the future.
Neil is always available any hour of the day or night. Te always goes the extra mile and is professional and tolerant when I continue to ask stupid questions.
I have already recommended Neil to some work colleagues. I really hope they approach him, but all I can do is recommend him. I would recommend him to my friends.
Very Efficient Service
Neil made our refinancing easy and stress-free. We particularly liked that he came to us and we didn't need to take any time off work. He also kept us up to date and made the paperwork very easy to complete.
Excellent service.
Neil Bradford provided Gold Class service - nothing was ever a problem and he worked tirelessly to achieve the best end result. Highly recommended. Thanks Neil
We had a few minor hickups but that was the lenders problem - not necessarily Neil's fault. Apart from that the service was great.
Sincere and informed service
The service was professional, reliable and readily accessible. Thanks
I was extremely satisfied with the service provided by Neil. He went over and above the normal level of service.
Neil Bradford was very thorough and very helpful throughout the whole process.
Neil Bradford was very thorough and very helpful throughout the whole process.
Neil Bradford was very thorough and very helpful throughout the whole process.
I was happy that Neil was able to find me a loan that would allow me to borrow my maximum amount, and created options for me even though my situation for lending was not ideal.
Neil Bradford was outstanding in all areas of communication and punctuality of our loan requirements. He was very clear and precise when explaining all avenues of our loan..We highly recommend Neil Bradford to all of our friends, and tell them how good sm
Absolutely fantastic customer service and helped in everyway possible.
Neil Bradford is now cosidered a family friend rather than our mortgage broker.Neil is available for advice whenever we feel we need it,and in the comfort of our own home.
Outstanding suppport and service my old provider would not provide. Thank you
Out of hours service. Could call him at any time. Fast and efficent.. Friendly..
Very Good service.
The availability of Neil Bradford
His knowledge of the market and providing insight or recommending other services (e.g. building and pest)when we had the need.
There is nothing better that could have been done!! I will always recommend Smartline to friends and family.
I liked that my advisor explained in detail what was going to happen and he didn't get frustrated at me when i asked 100 questions or asking the same question over and over.
Most liked that I didnt have to fit in with a bank and when they could see me. My work commitments make seeing a bank impossible and Neil was flexible with meetings times and locations.
Gave us all the information in easy to understand lanugage. always available to exlpain anything we needed.
No paperwork. Neil did it all and we really appreciated it. Before he arrived he had a list of paperwork he wanted from us and it made the whole process a lot easier. I couldn't think of anything that would make such a great service better.
The consultant was easy to understand and contact and fast with results.
Local and personable service.
The fact that Neil organized our loan from the comfort of our flat was very relaxing.
Neil was available at all times and worked in well with my commitments.
I was most impressed, when on a visit to the bank to finalise that all the accounts had been set up correctly, the bank stuffed up a couple of accounts. Within 20 minutes of a phone call, Neil was in the bank office sorting out the issues. What was to be
Our loan was changed around a few times due to different circumstances and it was a bit stressful and on day of settlement we had some drama and Neil did everything he could to fix it. Westpac were not all that helpful and we had to chase them up a lot an
Neil was an excellent consultant who explained everything so I could understand the process and didn't mind the trivial questions I had for him as this my first time at applying for a housing loan.
We have referred others to Neil Bradford
clear explanations and feeling that getting the best deal for me was of the up most importance, service could not have been better.
Professional and friendly, I can't see anything that needs improving 100% satisfied
We liked the simplicity & ease of the process. It made purchasing a home painless for us.
The explaination of the different loans was easy to understand and the availability and response of the consultant was excellent.
Very friendly and although a single parent Neil made me feel very good about buying a house and gave me a few options on how to go about being able to do this.
Should have been around years ago, makes life a lot easier.
The selection of different funds, allowing the choice of loans. The helpful staff and how everything was explained fully in an easy to understand format.
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.
