Reviews
Average client rating
4.8/5 From 192 Reviews
This is the second time Christopher has handled our home loan. He is an excellent operator - patient and thorough! I would gladly recommend him to any of my friends or family.
We would like to sincerely thank Christopher Lowes for all his help in refinancing and helping us with the new loan. Chris has been with us since 2004 when we first got our mortgage and we value his expertise and experience every time. Thank You Christopher
Christopher was fantastic to deal with and by far the best mortgage broker I have ever worked with. He explained everything thoroughly and provided great support throughout the entire process from start to finish.
Christopher is an absolute professional and very helpful. We have been very pleased with his advice and excellent service over the past 10 or so years! Highly recommend
I was very happy with the service that I received from my adviser and would definitely use Smartline again. He kept me constantly informed and the refinance loan went through without a hitch.
Christopher is a highly skilled and emotionally intelligent man. He solved my problem, understood my needs, was supportive and empathetic, and a top communicator. You are lucky to have him, Best regards, Gordon
Christopher was always available for any queries I had. He was thorough, pleasant to deal with and a strong, clear communicator. I won't hesitate to call him again.
Chris was recommended to us by my parents when we were wanting to go for our first home loan. He went above and beyond and helped us as much as possible. He was very prompt in submitting paperwork and was always very contactable. We will definitely be recommending him to all our family and friends
Overall I had a great experience refinancing through my adviser. My only suggestion is that the client be given a complete list of all paperwork he or she may need to acquire at the start of the process. Nevertheless great experience.
Christopher Lowes has been our long-term broker and we would never use anyone else! Christopher is extremely knowledgeable, he provides accurate and clear information/advice and his customer service is centred around genuinity, kindness & calmness .
Christopher was a preasure to work with
We have refinanced with Christopher lowes a couple of times over the years and have been very happy with the service he has provided. Well communicated, readily contactable and we are very happy with our mortgage products.
Thanks again,
Jamie w
Very prompt and efficient service. Christopher was well informed, diligent and happy to work hard to fulfill my needs. Thankyou.
I found Christopher to be a very genuine and professional person. He demonstrated to me what a good Mortgage Broker should be.
Christopher has been our broker for some 20 years, and we have no intention to change this. He is often referred to friends, colleagues and family.
No comment we were satisfied with the service
Our experience was great we have used Chrispher a few times now and we wouldn’t deal with anyone else
Chris went above and beyond to help us with our recent purchase. I cannot recommend him enough!We have worked with Chris for all our properties and has been amazing!!
Christopher Lowes was an exceptional mortgage broker who went above and beyond his response time was quick and always answered any questions we had and helped us greatly, my father passed away the day before settlement day Chris made sure to make the process as easy as possible and chased up everything to make sure settlement Day was a smooth process, and made sure I was okay. Thank you for everything Chris.
We have used Christopher several times and he has always given exceptional service
Christopher Lowes was amazing every step of the way!
His communication was second to none and kept us updated from start to finish.
We found him very knowledgeable, informative and supportive.
As first time home buyers, we needed guidance and Christopher provided that. He paid particular attention to detail (which I love) and was open and honest throughout the loan process.
Christopher exceeded our expectations and we would definitely recommend his services.
Thank you Christopher for helping us to become home owners!
Christopher is fantastic. We have used Christopher 4 times now. Every question we had was always answered quickly and if he didnt know the answer, he would get back to us as soon as possible. We were constantly kept in the loop of what was happening and Christopher was happy to work around my wife and my busy schedules.
Can not reccomend Christopher enough!!
Have had a great experience getting our first home loan through smart line, Christopher offered a lot of knowledge and really helped us organise ourselves. Greatly appreciate all your efforts, well done.
Christopher was fantastic, Christopher arranged our first home loan in 2004, we recently refinanced to get a better home loan rate and complete some long awaited renovations. once again in dealing with Christopher, it was a seamless process, professional and went without a hitch, Christopher also went that extra step to mitigate any financial loss incurred such as conveyance fees. We would highly recommend Smart line and Christopher Lowes to any of our friends. 10/10 Thank you
Christopher is very professional, easy to deal with and extremely thorough. He goes above and beyond to make sure you understand everything you need to know , so supportive at every step , he really puts your mind at ease during a stressful time.
Thank you Christopher!
Chris always goes the extra mile to provide great customer service. He\'s very reliable, patient and professional.
Great service as always. Will be long term clients.
my adviser made the process easy for me
This is our second loan through smartline. Christopher is always contactable, address all our problems. He truly went above and beyond our expectation.
My adviser took on the job and then went overseas and left his wife in charge who was clearly out of her depth as much as she tried! I spent considerable amounts of time on the phone to the banks trying to sort things out!... Would not use a broker next time!
Christopher offers an outstanding service. We are repeat customers & have referred a number of friends to him. I am also impressed by Smartline's charitable work. Keep up the great work!
We have used Christopher a few times and also recommended him to family and friends
It would be very helpful, especially for first time buyers, if some sort of information sheet about the loan process was provided that explained the financial side of things i.e. what fees are possible, where these are paid from and scenarios such as if the property is undervalued by the lender etc. Also I would suggest cost estimates should be more conservative.
Our broker Christopher lowes was fantastic in every way possible very approachable and fantastic on any questions we had. Very much happy we went threw him passing on for years to come thank you
Christopher provided excellent service and made what would normally have been a stressful period very easy. This was the first time I have used a mortgage broker and I would recommend Christopher to anyone wanting to buy a home. Thankyou Christopher.
This is the second time we have used Christopher for our home loan and each time he has gone above and beyond our expectations and done everything he could to get us the best possible deal, even when we threw him the curve ball of simultaneously needing a car loan urgently. It never seemed any trouble for him and was always available to talk to if we had any questions, regardless of how "stupid" the question might be. We have already and will continue to recommend Christopher to anyone we can.
Christopher constantly went above and beyond throughout our time working with him. He travelled to our house on a number of occasions, and was always available on the phone. He was informative, and I will gladly recommend his services to anyone in the market for a mortgage!
I found the process and communication from Christopher execellent and he is still in constant contact. He has been more than helpful in many ways
I have found Christopher Lowes to be a very committed financial advisor. He is attentive and nothing is too much trouble. I will continue to engage Christopher for my financial needs and would recommend him to others without reservation.
Christopher made our life easier coming to us at a time that suited (late evening). Also kept us informed every step of the way. We love our new house!!!
The service provided by Christopher Lowes is always great,easy to work with and talked us through the whole process and makes the process alot less stressful.
Going through a marriage break down and doing all the settlement things are very hard but the service I received from Christopher Lowes was most excellent and could not say thank you enough for his work and compassion during this most difficult times when all I really wanted to do was end it all and not face another day. He showed me there is light at the end of the tunnel. So we move forward and I know that Chris Lowes and the Smart line team has my best intentions and looked after me in every way. Thanks Chris as your a wonderful loving and kind person. Nigel.
Our family has
Christopher has arranged finance for us and our children on several occasions and has provided excellent service every time. As a result of our experiences,we recommend him to our wider family and friends whenever the need or opportunity arises.
Christopher was very helpful throughout the whole process! He responded to our questions promptly and didn't mind explaining things twice (or sometimes three times)....very pleasant to deal with.
I cannot fault Christopher's professional expertise and customer service. He was at all times friendly and approachable.
Christopher helped me when no one else would / could. He went out of his way for me and I am so grateful for his help.
I have told all my friend about Chris He has helped us when we needed it. AAAAA+++++++ in my book. Thanks
Rod
Chris brokered & processed a complete personal & property loan refinance in his usual calm & freindly manner with life of the loan savings of $3100pa for the life of the loans.
We refinanced our loan and had already chosen to stay with our existing bank, which meant Christopher did not get a chance to advise us as to whether we had the right solution for our needs. I was impressed with Heritage Banks service, they have made refinancing much easier, 4 weeks instead of 6 weeks.
He's the mortgage Guru.
I really appreciated the professional promptness considering my dire circumstances due to being mucked around badly by other lenders. The loan was executed quickly and to my total satisfaction. I am recommending Chris Lowes to all my friends who may be needing a mortgage broker who is honest, professional and efficient in dealing with people and their needs. Kind Regards Sylvia Thurmer
Christopher Lowes was a great help to me from the very start. He is still helping me with other situations. He has also helped my family out in the past and we are glad to know him. Very friendly and a huge help.
Always a pleasure dealing with Christopher.
We have been using Chris for many years. We have always found him to be thorough, informative and very helpful.
We have used Christophers services a number of times now and would be very happy to use him again.
We have used Chris twice now and he would always be our first port of call. Great guy, great service!
Chris is a work aholic his dedication to his customers is excellant and so his his perserverance in finding the best morgage ect.
We have worked with Christopher twice now and have been impressed both times. He is informed, helpful and goes beyond the call of duty. Above all, I appreciate his kind manner as he patiently explained the different aspects of obtaining a finance and buying a first home.
Really as per the above - extremely good caring serice
Christopher was absolutely fantastic, professional & extremely helpful. He went above & beyond every step of the way! For first home buyers, he assisted to make the process seamless & ensured that we were completely informed (& organised!). We have already recommended him to our friends & will continue to let others know too. Christopher will be the first person we contact for our next home for sure.
Christopher Lowes was fantastic and always on hand for any of our concerns or questions ,always returned calls in a timely manner and kept my iwfe and I up to date . I have given our Christopher's details to a few friends since working with him over the past few months .
Very friendly, attentive to our needs & situation. Couldn't fault in any way.
Christopher Lowes was very helpful in all matters associated with buying of our first invest property. From organising the loan, right through to dealing with the real estate agent and conveyancer. Thanks to his friendly and informed service everything was trouble free and taken care of for us, highly recommended and a pleasure to deal with.
I think Christopher is a great advocate for Smartline Personal Morgagae Advisers. Christopher at all times was friendly and courteous with a willingness to help, no matter if it was near 5.00pm he would listen patiently and solve or explain the matter at hand.Christopher took a lot of stress from me being a first time buyer and I wish him all the best.
We have used Christopher several times before and will use him again he always does a wonderful job
I have been using the service of Christoher Lowes and Smartline for well over a decade, and have refered him to many friends, family & colleagues. I will continue to do so, as hIs service is excellent.
Chris was a valuable asset to our investment process. He continually went above and beyond his role to ensure our investment went as smooth as possible. He was always approachable and willing to assist.
Chris is great at explaining everything and simplifying it all, always easy to contact and quick to reply. I have recommended him continuously
christopher was more than helpful for kelly and i in securing our loans considering all the difficulty we had. he was full of knowledge and no question was a stupid question.,
very much appreciated
christpher did a great job with great difficulties
Very good service and great help with very clear explanation. Recommend to anyone.
extremely happy with the services and cristopher lowes very profesional thank you.
We have used Christopher Lowes several times now and would use him again. We have already reffered him.
It is great to have real faith in the consultant you are working with and we would happily recommend him.
CHRIS WAS OUTSATNDING AS ALWAYS IF THIS IS WHAT YOUR MENTORING IS DOING THEN YOU ARE CERTAINLY DOING IT RIGHT . MY DAD HAS BEEN EXTREMELY SICK AND CHRIS JUST TOOK ALL THE STRESS AWAY FROM ME AND ACHIEVED WHAT HE NEEDED TO IN A PROMPT TIMELY MANNER IT IS ONLY THE BANKS THAT TAKE THERE TIME BUT THAT IS NOT WITHIN YOUR CONTROL .
My husband and I are very happy with the services provided by Christopher Lowes.
I have used Christopher for over 7 years now and have found him to be by far the most approachable, dependable and genuine banker I've had. We are now friends and I look forward to many years more of great service with Chris.
Some written info... what is a mortgage and what are all the costs??
great service
I had a really difficult loan with the bank the dragged on forever. i don't think it was my broker's fault. but it was really awful 4 month wait.
Thankyou for keeping it simple/clear and easy for us to follow.
Sometimes, the loans approval process seems to take forever, but I guess that is something that the lending authorities need to improve on.
We appreciate the efforts Chris went to particularly when he was able to assist at very short notice. Very professional service and highly reccomended. With thanks
I always get excellent advice and uncompromising service from Christopher Lowes and wouldn't use anyone else!
Chris was fantastic. He is a lovely person who went well out of his way to help with everything. We have used chris several times over the years and would never go anywhere else. And he knows his stuff inside out. Nouthing is ever a problem for him. We wo
It is nice to have a honest person when dealing with the banks we really felt confident to leave it all to our consultant.
Chris could move to Drouin so i could call on him anytime to run some data!
The fact that Christopher Lowe remembered all our personal family details from our last contact.
The serice of the new Bank does not match the service provided by the previous Bank. No week end banking. Phone waiting time too long-I tried various times but never been able to talk on the phone.
Fantastic service.
nothing.
it was difficult when my broker went on holidays because I had to deal with someone else when I needed to get full loan approval. I found that this person was more difficult to contact/didn't respond to emails etc. It was the most stressful time of the wh
Found a good range of loans to choose from! Chose the wrong company, anything that could go wrong practically did! Our consultant didn't check documents sent via them to the company. Company sent documents direct to us, consultant unable to check document
I liked that I didn't have to go to the bank and that I had help with all the paperwork. Christopher was a great help and his gentle, caring nature made the process of getting a loan much easier and less stressful. I can't think of anything more he coul
Consultant was very helpful and gave good advise and tips throughout the process.
We find it great that you have so many options to chose from
Always patient and understanding, easy to follow and up to date information at the ready.
Chris took the stress and jargon out of taking out a mortgage. Buying our current property was our second time with Smartline and since then Chris has helped us purchase an investment property and set up a Business acount with the same lender.
The consultant provided the reassurance, support and information we required throughout the process. Some product assumptions were made without full information, however his experience and competence was obvious and our trust in this was justified.
We were happy with the service but are finding the bank not as efficient as our consultant. I must say that we are unsure if we will stay with Westpac for the term of the loan.
Christopher Lowes was readily available and happy to answer any questions we had. I really believe Christopher went beyond the call-of-duty to help us out in this regard. Given time for our home to be completed and a small amount of the loan paid-off, we
Chris was fabulous. Always ready to help and going the extra mile. He was brilliant. Far exceeded my expectations!
We found Chris very helpful and knowledgeble. The only concerns we had were that we could not contact him at certain times. We understand that it was a busy time of year and people were on holiday but perhaps if he was unreachable it would be better to ha
I really like the convenient service. Christopher has always tried to fit into our busy schedule and coming to our house makes life alot easier.
I have already referred Christopher to a friend who is now using Smartline! Christopher was truly fantastic!
We found Christopher Lowes to be fantastic and wouldn't hesitate recommending him to anyone. When we are ready to build our house, we will be contacting Christopher again to ask for assistance in how to go about our loan.
Providing client a loan that perhaps suits the consultant the most and not the client. Saying loan will be approved and then just prior to settlement saying sorry the loan is not approved. Handing over processing of loan application to another consultant
Very very happy with the friendly, approachable service given. Have already recommended to friends, and they are also very happy. Cannot recommend highly enough. Well done.
I can't recommend Smartline's Chris Lowes highly enough. His industry knowledge and ability to problem solve is sensational! I've engaged Chris on a number of occasions for the purposes of property procurement, and he has been a key factor in the success
This was the second time we had worked through our consultant and will certainly go back to him when the need arises in the future.
Christopher Lowes was a breath of fresh air for our family. We had to move to Melbourne as our daughter has a rare medical syndrome, and we were under alot of stress. Christopher took the worry away. We are ever so grateful to him - Thanks Christopher! Ju
Being first home buyers, we didn't have much of a clue as to what to do. We found our consultant to be extremely helpful in all aspects. Thank You. We found out through a work colleague about Christopher, and we've had no hesitations in referring him to o
i felt that the help and advise from the consultant was very valuable, and really aided in my understanding of the home loan process.
Chris & Christine, Thank you so much for taking care of us. We changed our plans mid way through and then only gave you one month for settlement. This was a very emotion griven time for us and you kept your heads and did everything in your power. Thank yo
Dear Christopher, Sarah and I would like to thank you again for your help in this transaction . We have been satisfied with your services and hope we will meet again soon .
I have no issue with Smartline to complain of. Only to feedback that I am more than happy with my consultant and his ongoing support. However, the lending institution used for this latest & previous finance venture, (BOM), has shown nothing but an appalli
The personal touch was important to me, and being made feel a valued and important customer. Smartline helped me out of a situation I had been put into by an unscrupulous broker leaving me happier and more secure with my home loan. Top marks!
We have been more than impressed with the service, advice, and assistance we have received from Smartline. Chris has been fantastic, and we have readily recommended him to others.
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.
