Reviews
Average client rating
4.9/5 From 107 Reviews
As a first home buyer, I had a lot of questions around the housing market and how I could select the best loan for my mortgage and borrow within my means. Ralph was instrumental in making me feel at ease and informed throughout the whole process. Ralph was great with consistent communication and helpful advice as I navigated buying my first home. I am thankful for his expertise and kindness throughout this experience which I originally thought would be a very daunting process. I strongly recommend Ralph if you are looking for a finance broker
Ralph is fantastic and has extensive knowledge. He provides you with clear and understandable options that best suit your situation. We used Ralph when we brought our first home 2 years ago. I was nervous so felt that having someone there to be able to ask questions to was fantastic during the process. Ralph always makes everything run smoothly. He really explains all the details throughout. Again, we used Ralph this month. He has been a wealth of knowledge, fast and efficient and effective in order to get us the best outcome. Thanks you for going above and beyond.
Exceptionally helpful. Goes above and beyond. Always available. In short, a good guy to deal with have on your side.
Ralph is always diligent in his action plan so that you end up with an optimal solution and the best loan options for your own situation. Ralph can work with changes in personal, industrial and domestic environments to keep things on track with getting the right outcomes
Brilliant service. No comments required. I'm doing a second loan with Ralph.
Very glad & good fortune that we find Ralph. He is very professional and prompt, quick respoinse (even when on public holiday when others don't bother), and very friendly. Also very knowledgeable. Thanks to him that help us to get a home loan easily. He is highly recommended.
Very glad fortune that we find Ralph.
He is very profesional and prompt, quick response even when in public holiday when others don't bother, and very friendly. Also very knowledgeable. Thanks to him that help us to gets us a home loan easily.
He is very highly recomended.
Brilliant service.
No comments required.
I'm doing second loan with Ralph again
Ralph was personable, knowledgeable and easy to deal with. I was extremely happy with the service I received and would recommend him to others. Ralph was a referral from a friend
Ralph was fantastic throughout the whole process. He was readily contactable, responded rapidly to any concerns, questions and made me feel really comfortable. He answered all my silly questions and guided me to answers when there was something I didn’t understand. 10/10 would recommend.
Ralph was instrumental in helping us purchase our first home. He did all the legwork for us during the pre-approval process, dealing with the banks to help find the best product to suit our needs. He also handled the entire settlement process with the bank, which made the whole process an absolute breeze. Having one trusted point of contact was invaluable and we would highly recommend Ralph's services!
Ralph Drummond was amazing throughout the whole process. He was always available, responded rapidly, answered all of my silly questions and guided and reassured me when I didn’t understand something. 10/10 would recommend Ralph.
Ralph is outstanding, we have organised 7 loans with him now and I would never see anyone else. Some of them have had special requirements and Ralph is always available and so knowledgeable that it makes the process very straightforward from our point of view. Thank you Ralph!
Ralph was brilliant throughout the whole buying process. He set us up for success and was instrumental in allowing us to buy our first home. He worked tirelessly to get us the best loan rate and package available. Would highly recommend to any prospective buyers.
Ralph was fantastic. We were always kept informed on our loans progress. The service we received was above and beyond what we expected and we would not have been able to get the outcome or navigate the process without his expert help. I would recommend Ralph to anyone.
Ralph was fantastic, great communication, explained everything well and helped us through the process of buying our first home. Would
Highly recommend!!
Ralph was consistently attentive and available and happy to answer all my questions every step of the process.
I would highly recommend Ralph to friends!
My Adviser, Ralph Drummond, was extremely knowledgeable regarding different options and providers for my situation as a first home buyer. He was very proactive and responsive, and professional at all times as he guided me through my preapproval, purchase and settlement. Thanks Ralph!
I feel very fortunate to have been recommended Ralph when looking to purchase my first home. Thanks to Ralph’s knowledge, experience and assistance, I was able to secure my home and felt so supported throughout the entire process. Ralph was amazing at responding quickly to any queries I had, no matter how big or small and went above and beyond throughout the process. I can’t recommend him highly enough.
My adviser Ralph Drummond was incredible! Being my first time applying for a home loan, I really had no idea what I was doing, I was walking in the dark. It was great having Ralph in my corner, he took his time with me, explained things clearly and always answered my questions. His communication was great too, always responding to my emails promptly and answering his phone whenever I called. Thanks Ralph! - Mark
Ralph is always helpful, courteous, prompt and a complete pleasure to deal with, thus my continued custom.
I would highly recommend Ralph to anyone. Ralph was very helpful and kept us informed throughout the whole process. The process felt easy and not stressful, thank-you Ralph.
Ralph was fantastic. He was very helpful and communicative throughout the whole process. He was also very patient with us as it took us some time to find the right property. Ralph helps us to complete our application with one bank, and then when we found the right property he advised that we apply with another bank that saved us a great deal of money, We would highly recommend Ralph to others and will happily engage his services again.
Ralph was highly knowledgeable, easily contactable and went above and beyond helping my in gaining my mortgage! Being a first time home buyer I was nervous and did not have a great understanding of the process but Ralph answered all my questions and helped me feel at ease with the whole process.
Ralph Drummond of Smartline was nothing short of fantastic! He not only keep me updated throughout the process, he was on the front foot with every aspect of my application and went above and beyond in every step! Thank you!
We can’t thank Ralph enough for all his hard work and the help, advice and support he provided us. We highly recommend him to anyone.
Ralph is literally the best. Unbelievably knowledgeable, very approachable, great communication throughout the process and is very organised.
Highly recommend anyone to contact Ralph for the best mortgage advice and assistance.
Ralph was a pleasure to work with, and took a lot of the stress out of purchasing my first property. He was friendly, reliable, responsive and efficient. I cannot thank him enough.
Ralph was very responsive to and patient with all our questions and helped us to get our approval in a timely manner. He took most of the hard work out of our hands in what can be a rather cumbersome and tedious endeavour. Thank you, Ralph!
Ralph Drummond would have to be the hardest working broker in Australia. He never gave up even when things seemed impossible to us. He was super friendly, easy to talk to and deal with. Will definitely use Ralph again in the future and recommend him
Ralph was absolutely fantastic through the whole process. Couldn’t be happier with his communication and how he handled things.
Ralph has been a tremendous help for the second time, always extremely friendly and knowledgeable about all details, as well as easy to contact and get updates from. I would definitely recommend him to friends and family.
Another stress-free loan from Ralph. It's great knowing that Ralph will always have the loan sorted. This is our 4th loan with Ralph now and we will definitely be back for the 5th! Never going back to directly dealing with banks.
I found Smartline to be very helpful as always, I have benefit from them on three separate occasions over the past five years.
Most recent I received help from Ralph who was just a pleasure to deal with.
Ralph was really helpful, answered all my questions with clear and understandable responses and maintained good contact with me throughout the process. I was very happy with my experience with Ralph and Smartline.
Ralph was very helpful and provided assistance with documentation.
Ralph made the process of finding the right home loan incredibly easy and stress-free! Very happy with the outcome, and would recommend him to others.
Great adviser. Highly recommended!
Ralph Drummond was very helpful both this time and last time we requested a new mortgage. We are happy to recommend him to others.
Ralph was amazing to deal with from start to finish. He provided adequate information of all loan options available and I was keep informed of progress at each step.
Ralph has changed our lives by helping us to get our first home. We love him.
Thanks for helping us with the loan Ralph!
Ralph is extremely professional and transparent. He kept us in the loop every step of the way with great and timely communication. Ralph has made the whole process stress free and I couldn’t have asked more from him. I would highly recommend Ralph.
Ralph, Is great to deal with. Informative, knows his stuff and I would highly recommend him.
Ralph was a joy to work with and helped us grow from 2 people who had no clue, to finally understanding the mortgage game
Choosing smartline to assist with our homeland needs was a fantastic choice. Ralph was always readily contactable and always took the time to explain the processes we were going through as first home buyers.
Ralph certainly went the extra distance to secure my loans. He made himself available around the clock to suit my timetable. He courteously answered all questions, no matter how trivial, in terms that were easy for me to understand. Highly recommend.
A pleasure to deal with. Highly recommended
Dealing with Ralph Drummond has been an absolute pleasure and would recommend him to anyone.
He provides clear and prompt information to help make an otherwise daunting loan process very simple.
We had a great experience with Ralph. We found him to be extremely responsive to any questions or questions and were very impressed with his ability to advocate on our behalf!
It was a pretty well perfect process
Knowledgeable , experienced, dedicated, always available, understanding and patient; just a few of the words to describe Ralph Drummond
Ralph really went above and beyond. I had a 30 day settlement and he ensured that it went smoothly and quickly.
Ralph was insightful, personable and very responsive. He managed the bank well and helped keep your progress on track.
Ralph was professional at all times and made the transaction as simple as possible. Would highly recommend him to anyone requiring assistance.
Ralph is fantastic. He worked extremely hard for us!!!!
We honestly couldn't have been happier with the service we received. This was our first loan and Ralph took the time to go through everything thoroughly to make sure we knew exactly what to expect and didn't have to worry about any hidden fees. He kept us up to date with every step of the process and went above and beyond to finalize our loan. Thanks Stef and Jen
Can’t recommend Ralph enough. Advised me perfectly with my mortgage requirements for my second home, extremely knowledgeable and professional. Thank you Ralph.
A trying experience in a difficult time, given the banking reform which we were caught up in, Ralph did his best with what he had available and excelled and his personal service could not be faulted.
Ralph is fantastic. He worked extremely hard for us!!!!
Very happy with the level of service that Ralph provided us.
Ralph has listened carefully
to our requirements and able to recommend a product and demonstrate its fit on the first visit. That left us with a feeling of confidence in the product selection
Thank you once again Ralph for your help refinancing my loan and taking our finance for my block of land. Impeccable service, extremely knowledgeable and helpful.
Without Ralph, getting my firs home loan would have been so much harder.
The banks did't even want to hear about what I needed. They just wanted to sell their products.
Thank you Ralph for making this process so much easier.
I recommend Ralph for anyone out there.
Anita.
Ralph was brilliant throughout with his professional and friendly services although our loan options due to our circumstances were rather limited. I would strongly recommend him.
Ralph was exceptionally helpful and provided a very prompt and efficient service to a very high standard. I would highly recommend him to others.
Ralph was very helpful and always professional. We had a small problem when our property was close to settling and Ralph quickly helped us overcome this issue and took any stress out of the situation for us.
Ralph was fantastic, provided us exactly what we were after/needed! Very happy and have recommended him. It's just a shame that NAB has been terrible since we switched!
Ralph is one of the most knowledgeable advisor I've ever met. He really really listens and understand the need. He is very professional and keep the communication very transparent. We couldn't ask for anything more. We would highly recommend Ralph if you are looking for hassle free, stress free mortgage solution. Thank you Ralph for helping us secure the property. Regards, Dinakar.
Ralph went above and beyond to help me with my loan, can not thank him enough.
Ralph was very helpful , understanding and patient.
He worked hard to get us the results we wanted.
From our very first contact we immediately felt that we could trust Ralph, his expertise and his professionalism were beyond question, but most of all, he listened!
Ralph not only listened but he quickly understood what we wanted and was able to give us very sensible and valuable advice.
We left everything in Ralph's capable hands and felt absolute trust in the process. Thank you Ralph!
Advice, support, communication and result, Ralph provided it all.
My sincere thanks
Ralph was professional and very alert to our needs and requirements and I would have no
issues in recommending his service to our friends and clients.
Chris & Graeme Brown
In general I was very happy with the service I received.
Dealing with Ralph has been a stress free experience. We have now purchased a home and two cars using Smartline and would not hesitate to recommend Ralph to anyone needing this kind of service
Ralph was the reason we had the confidence to finally buy our own home. Wish we had met with him and gone through this experience with him a decade ago.
Ralph made himself available at the exact moment we always needed him, guiding us though not just financials but the entire process. He was our "go to man" and will for ever be on our Xmas card list. Thank you Ralph - for helping us get our dream home.
Ralph, has been helping us throughput our loan process more than a financial adviser, he has been a friend and will be. We will highly recommend him.
Ralph made it clear to us what our options were. He was interested in getting the best deal and setup based-on our financial goals and limitations. After our first auction experience, we changed our mind on a few things. Ralph was quick to help us get approval under the new conditions.
Ralph was always contactable and always made time to answer my questions. Exceptional service and i would not hesitate to recommend his services.
Ralph was fantastic from start to finish - and this was a tough process because of me running a small business that most recently had not shown profit. Ralph and I partnered well, he was committed to service and importantly to the end-goal of us meeting our desired outcome of reducing monthly repayments, consolidating various secured, unsecured personal and business financing facilities. He has followed up on everything, been willing to meet at our home and my wife's work place to keep things moving and has completely handled all interactions with the one bank we sought to deal with. I would recommend and/or work with Ralph without hesitation and have already made a commitment to have my daughter seek his assistance when she is ready to seek financing for a first home investment over the coming years. If Ralph is typical of your advisors then I can assure your organisation great success going forward. Regards, Chris and Ivy Callanan
I have to say that Ralph Drummond was very helpful, kept me informed right through the loan process and helped me to choose the most suitable loan.
Ralph was prompt with our meetings,well mannered and was easy to communicate with
We had a few issues regarding a credit check, Ralph went out of his way with his assistance in working through the issue.
Ralph was great throughout the whole process and his approach to understanding the needs of the client is an excellent attribute of his.
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.
