Most recent

Margaret was amazing...I am very grateful as I stumbled across this property that was going to auction and had very little time to prepare.
She went over and beyond and we were able to successfully bid on the property. I would recommend her services to anyone!
Sonya, New Lambton

Margaret was absolutely fantastic. After we had been approved with one lender a better product came on the market that we qualified for and Margaret proactively sourced this for us and saved us paying $9500 in lenders mortgage insurance. I was absolutely amazed at the service because she had already had our application approved and really didn't need to do anything else, however she choose to go above and beyond for us, which we were extreamely grateful for and continue to recommend her to our family and friends.
Beth Harrison

Margaret was recommended to me through a friend. As a first home buyer, the services Margaret provided were above and beyond what I expected. Margaret was continually in contact and provided regular updates, and answers questions via phone, email and text. It was an absolute pleasure to deal with Margaret and the process of buying my first home and choosing the best home loan was made so much easier. I would strongly recommend Margaret to any of my friends and family.
Mikaela Vermeulen

In my opinion Maragaret found me a great deal with the difficult situation that I found myself in. I have a great home loan that exceeds my expectation. Thank you
Terrence Barton


Margaret was fantastic and readily contactable and able to explain processes to us. She simplified things, which helped us understand what the bank was doing and required from us. Margaret's research into our loan, has saved us time and money, and we are very appreciative of her hard work.
Andrew, Lennox Head

Margaret made a stressful and emotional time in our lives so mucheasier and pleasant! she helped us through the sale and purchase o fhouses, answered our questions day and night, put our minds at ease when we were unsure or worried and went over and above all our expectations.

The process of buidling a new home was such a stressful process. the onlyy part that was trouble free was the financing of it, and for that we have Margaret Godfrey to thank. Everything ran smoothly because of Margaret's involvement and nothing was too much trouble. We are very happy with the product we decided upon and even happier with the service provided by Margaret and Smartline.
Stewart and Leanne


I would like to thank Margaret for her time and expertise in regards to us refinancing. The process was easy and she was always available to answer any questions no matter how trivial. I would have no hesitation in recommending Margaret to my family and friends.
Grant, Woongarrah

Margaret ensures the process of borrowing was a smooth stress-free process. She was able to deal with any issue with ease and tended to bank requirements quickly and thoroughly. I would recommend Margaret to everyone!

We love Margaret because she made the experience of buying houses pleasant, painless and without stress. She has assured us of our affordability before offers, assisted with the application so that it was easy and we are confident she has found us the best product to meet our needs.

WE have had the pleasure of dealing with Margaret for a number of years. I have found that she always has the time to answer any questions that I throw her way and is always prompt with providing a return phone call or information. For those of us who don't have a great understanding of how finance industry works she is able to explain it in a way that is simple and to the point. Margaret is a credit to Smartline and you should be so proud that you have someone like her who is the face of your company.

Older borrower

My positive experience with Margaret was superior to any other lending people I have previously dealt with. I was unsure, given my circumstances that I would have success to obtain a home loan. Margaret researched and explained all options and success was achieved. Margaret travelled to meet me at a time convenient to me as a full time worker. Business aside I thoroughly enjoyed Margaret's company and her ability to interact socially quickly put me at ease. Thank you.
Rita, Singleton

First Home Buyers & Vehicle Finance

Once again Margaret has managed another product that far exceeded our expectations. Thank you for the time you have put into ensuring this happened for us. This is the second time we have used Smartline and it will not be our last.  I have said it before and I will continue to say how wonderful you are Margaret!!
Katrina, Abermain

Simply put Margaret made the whole experience of being a first home buyer easy. She offered me reassurance, advice and made the owverwhelming feeling of information overload go away. I'm confident that I'm gettingn the best home loan for me both financially and personally. I love my broker!