Reviews
Average client rating
4.9/5 From 496 Reviews
Kapil made us feel comfortable and reassured from our first meeting to post-settlement. As a first-home buyer, Kapil assuaged all our concerns and was available to answer any questions we had. He made us feel very confident about making the right decision and we are extremely grateful for all his help
I highly recommend Kapil and his team to anyone requiring trusted, professional mortgage broker services.
As a first-home buyer, Kapil assuaged all our concerns and was available to answer any questions we had. He made it easy to understand our loan obligations and how the payment structure works. I felt comfortable and reassured throughout the home-buying process.
Kapil and his team provided me exceptional service with very helpful advice from hunting house to buying house.Very trustworthy and very satisfying. I can highly recommend this team to anyone. Thank you Kapil and his team
Mr. Kapil has been very professional, approachable and flexible since the day we started our home loan journey. He has been patient and makes sure his client has a clear understanding of the process before he proceeds. I am so grateful and glad to have received the service from him.
It was very pleasant dealing with Kapil Nepal and the team. He was very helpful in helping me get my first property. He is always there to assist you with any enquires you may have and always available. I personally had a good experience dealing with Kapil Nepal and his team.
If you are after professional experts that know what they are doing i would highly recommend Kapil Nepal and the team at Mortgage Choice.
Great service in friendly and professional manner
I have been with them since 2016 and I can honestly say that they have been outstanding in their service. I have done two recent refinancing. They have been Very professional, prompt and always there for their customers.
Kapil and his team has demonstrated their professionalism to the highest level. Kapil has taken care of my mortgage since last few years. I never had to spend a single minute thinking about it since then. What is great sense of relief and piece of mind. I have not met other members of Kapil’s team however their interaction with me tells me that their work ethics and professional is no different that what Kapil holds. Great team, thank you so much for making my life easy and looking after my mortgage, can’t appreciate enough.
Kapil and his team were excellent with planning, and executing our investment loan. With his expertise in mortgage brokering, we had flawless experience from browsing to settlement. Kapil is very honest, informative and easily reachable throughout the whole process giving us the confidence and assistance I needed to buy our first investment property. I Highly recommend their service to anyone.
Kapil is highly professional, good communicator and clients oriented. He always puts clients first. He is reliable, honest and trustworthy broker. I would highly recommend Kapil for home loan advice and needs.
Kapil dai was very helpful throughout the loan process. Not only loan, he was happily available to help us review different homes as we are first home buyers and were unsure about a few different things. He provided us clarity in every step of the way.
Nabin was also available to help during our loan process and his explanation on what was required was excellent. Would definitely recommend both.
As always great advise and service. Thank you
Kapil dai for your help
Kapil dai has been a huge help with choosing the right lender and understanding the home buying process. As a first home buyer, we needed guidance on each and every step and he has been there to help us with any queries we have had. Additionally, even after the settlement, he has offered us his service to review if our mortgage is the right one for us and provide continuous ongoing service. I highly recommend his service.
Devendra s
I had a pleasant experience working with Smartline and staffs associated with my case. I was able to receive best advice from them and found a great deal. They were always available for any advice and discussion on and beyond office hours without any hesitation. I am very grateful for your help! ????
The best quality was very professional and very good customer service. Always call you back and answer all questions
We are extremely happy with the service provided by Kapil and his team. He has been exceptional in providing advice and needed support in completing the loan process. I highly recommend Kapil and his team.
Very proactive team; Kapil & his collegues have always ensured we are in the best possible position in terms of the interest rates. As of now I am really happy with the team and will be approaching them for any future service from Mortgage broker.
Very good service , very professional and always returns your call, answers all the questions patiently. Very happy with Kapil service. Highly recommended
A name you can trust and rely on
Kapil Nepal is very friendly and approachable. He listens to your financial goals intently, and carefully recommends the options that match your circumstances. He is very thorough to layout the risks and benefits of each option, sometimes happily spending hours on phone to meticulously articulate them.
If you're thinking about mortgage and/or lending solution, having him by your side is definitely an asset. His vast experience in the sector, combined with the penchant for weighing risks against rewards with the longer term view is certainly commendable.
Excellent service
Me Kapil Nepal and his staff are very down to earth and polite. The explain each and every thing in detailed. They keep track of your loan process and update you as needed. I have my both home mortgage done by smart line and I am very much thankful to MR Nepal. I appreciate everything you guys have done . Thankyou is a small word for what you have done . I wish you all the very best.
Very good service
Jen k
Excellent service and communication really impressed. Really happy with all advice and suggestions.
Kapil Nepal continues to provide us excellent advice and great service on all aspects of home loans. He and his team are quick and extremely reliable and always look after their clients. I would highly recommend him for anyones mortgage needs. Thank you so much!
Bibek is a great treasure and provide right information anytime. Even when busy with family and different situation when his dad passed away always ready to help and provide information when required.
Brilliant service and easy to contact when you need the most. I would like to recommend with smart line and you wont regret it. Looking forward to work with Smartline in near future. Thank you for helping us.
We are endlessly grateful for Smartline-Kapil Nepal and Team's incredible support, fabulous customer service, careful planning, excellent advice and expertise. Since beginning, we are with Smartline-Kapil Nepal and recently we refinance with the best deal. We are thrilled and extremely happy with the service and absolute professionalism of Smartline-Kapil Nepal and team. It will always and forever be our Go-To.
Sharad Neupane and Pooja Gautam Neupane.
Before advisor/broker, Mr. Kapil Nepal is a good and trustwrothy man.Cant go wrong with him !!
We had a wonderful experience with Mr Kapil and his team. We are happy with the communication,recommendations and advices. The best part of Kapil and his team is they are reachable anytime of the day. Kapil has been in this business since long time and his experience helped solve complex issues. Kapil and Utsab were both super responsive and fantastic to deal with and despite all the changes went out of their way to get the absolute best deal they could for me. We would highly recommend Kapil and Smartline for the Mortagage, if you are buying a property.
Bibek is very knowledgeable and knows about the best options which will help us. Was very nice to deal with him.
Kapil has helped me in 2 new home loan applications and 1 recent refinance. Kapil has been exceptional in providing advice and needed support in completing loan process. I highly recommend Kapil as a broker. I am sure he will do his best everytime he's assigned to a task.
Truly professional, helpful, thoughtful and trustworthy and know what they talking about.
We approached Kapil Nepal to help us with our finances to purchase our first home. The experience we have had was amazing specially when we had no clue about how all it works. Kapil guided us through each and every step and explained everything in a manner that we could understand.
Very knowledgeable and very helpful. Also helped us locking a good rate with the bank too.
Thanks Smartline Team
Nabin was helpful throughout my loan and refinance process. We are happy and get what we needed. He hand answers all our questions at any time we needed. Nabin has done best for us in professional way to our home loan.
Thanks
Bhola
East west Kapil nepal and team is best
My loan process was very easy and I have been well informed and consulted with best type of loan
Constantly in touch and offering his services, following up through the entire process
Kapil and Team are exceptional with their service. Not only they provide better rate loan they also monitor the rate change and advice us to change to lower rate when its available. Team processed my 3 loans and all went smooth. Thanks team for all your hard work.
Excellent Service. He is Professional, friendly and approachable. He made difficult process smooth to get our first property. I highly recommend him for his service & mortgage advice.
Very friendly and responsive
Very professional services with homely environment. Really appreciated
The service is excellent. Staff are approachable and polite and willing to assist all the time. Always provide genuine advice and maintain professionalism.
Kapil was good in explaining options & directing in the correct way
Great
Kapil and his team are highly professional. Kapil is a great communicator, organised and very helpful. We are extremely happy with his service and we recommend his team for home loan needs. ??????????
Bibek is very professional and prompt with all updates and on top of everything and reachable.
Kapil explained us the mortgage process and different options in detail. Always ready to answer our questions and helped to make the informed decisions. The whole process was smooth with the help of Kapil.
Mr Kapil from Smartline is an outstanding professional. He possess immense level of experience and information. Kapil has guided and eased the process of mortgage without any hassle. It was a pleasure doing business with Kapil. I highly recommend Kapil if anyone is interested in diving into property market.
Kapil Nepal has always been very professional and humble and polite at the same time. We are with him from last 5 years and he has never let us down. He is someone I could trust. Thank you Kapil Dai.
Kapil was very professional with the whole loan process. We were informed about every step involved, all the calculations were accurate and we were at peace of mind at all time. Will surely go back to him in future and recommend friends and family.
Very friendly and professional service. I was provided with various loan options from variety of banks.
Excellent service , highly recommended
We had a very good experience with Kapil from Smartline and his team.
Kapil was always responsive and proactive during the loan process. His professionalism and knowledge were outstanding. He went the extra steps to make everything happen on time. They offered me a better rate and lower cost and we settled in a couple of months. Overall an A+ experience. Highly recommended them!!
It has been a great experience with Smartline. Kapil was always present and answered all of our questions with patience and gave all the necessary information. Definitely recommend.
We would highly recommend Kapil and his entire team as a trusted financial home loan broker. these guys were so professional, efficient, responsive and helped us to choose better loan option for us. we were updated every single information. we would definitely use their services again and again in the future.
Very professional and prompt service from Kapil and his staff. Will work with him again in the future.
Best service providers. Would definitely recommend to family and friends.
Professional service and advice provided by Utsab. Moreover, he was always a phone away for any help we needed.
Our Adviser Mr. Kapil Nepal and his Smartline team are doing excellent job. So, We are very happy and satisficed client and proud to choose Mr. Kapil. Keep it up. Thank you so much.
Utsav was very professional and pro-active. My refinancing request was handled smoothly. Very happy with Utsav and smartline team. Highly recommended.
My adviser has wealth of knowledge and experience. Always helpful and fantastic service…
Great service. Would definitely recommend.
Very approachable,thorough knowledge,ready to help anytime,fair advice
Absolute satisfaction.
We believe one of the important decisions in the home buying process is choosing the right agent/broker and as we already have my first home, now we can say that we made that decision correctly. (Professional, expert and supportive).
It was an amazing experience with Kapil Nepal from Smartline. We never thought applying for home loan and buying home will be so smooth and hassle free. Highly recommend!!
Kapil jee and Nabin jee were very professional and helpful with their sound knowledge through out the process. I would definitely going back to them in the future. Also i would highly recommend to everyone.
We had wonderful experience with them.They provide very professional and quality service.
Be it whether applying for a new home loan or refinancing, Kapil has always provided me with the best possible options available. Kapil has always addressed my queries or concerns very promptly. Service excellence is always assured.
Kapil went above and beyond to help me finalise my loan. I will recommend him highly to my friends and family.
It was really helpful to have Kapil Nepal from Smarline Mortgage to refinance our loan. He had suggested us with best interest rate according to our current circumstances. We would recommend Smartline to our friends and family as well. Thank you.
Utsav was excellent at his job, was very professional and flexible, always updating us via email and phone calls about the progress of the application. I would highly recommend to any of my family and friends any day. Thank you so much utsav.
From start to finish, Utsab has provided exceptional service. Customer focus and extremely detail every step of the way. Utsab was ready to help any time of the day either early morning or late evening, he was there for us.Highly recommended service
Highly satisfied with this team. They response anytime all the time.
Excellent service. They are all very professional with a client focus and deadline oriented.. highly recommended....
I have been served with highest level of professionalism. Some of the advices were even beyond my expectations. Best people in the industry.
They are very experienced and professional people. They guided us from the beginning to the final stage of the overall process. I was satisfied with their service and will definitely recommend my Adviser to friends and family.
Comfortable in dealing with Smartline. Please keep the good work going.
Good Service!
Kapil was the person to go.Thank you so much for your wonderful service and guiding us throughout the process right from preapproval to settlement. we couldn't have reached a better person than Kapil.we will not miss to refer our friends to you.
“Absolutely! one of the best of the best Adviser”
The best guidance for the frist home buyer.Completed whole process so smooth and nicely. Thank you for your time, care and support.(Amazing)!!
We are very grateful to work with Smartline Personal Mortgage Advisers especially Utsab Bhaukaji as he was very helpful and supportive throughout our entire journey for securing our dream home. We really want to thank you from our bottom of heart.
I highly recommend smartline. Kapil and the team guided and answered all my queries profoundly throughout the mortgage process.
Fantastic service and advice was provided, Kapil and Nabin were great person to deal with.
Kapil is an outstanding mortgage adviser. Very professional and helpful.
It was great experience with Kapil Nepal throughout our loan process. Kapil and his team has been great and will definitely recommend them to our circle in futude for anhmy financial advise.
It was great experience with smart line
Kapil sir advised us and guide us in right direction.
He guided us every step .
Highly recommend Kapil and his team from smartline, Parramatta, very professional and polite. Willing to answer every question patiently. He was very clear with all options available and select the right one for us. Thank you ??
Kapil was very thorough and patience. He took his time to explain everything about the loan process. He is well informed, proactive and transparent. Well Done!
Friendly and personal with highly professional service.
The service I got from the Smartline fabulous. The team members are very experienced. They guided each and every step previously.
Kapil and his team were very supportive throughout the process. As we had some hiccups along the way regarding the process, but having their support gave us the chance to have our first home. I would recommend them to everyone.
Once again I would li
Satisfied with the service
Kapil is very loyal to his clients and easy to reach. He provides all detail information in very clear manner. His prompt response and readiness to every queries demonstrate his knowledge and professionalism.
No comment
It is always fantastic working with Kapil Nepal and Smartline. They make the process really easy and comfortable. The help and guidance to complete all the required documentation and getting bank approval through are instrumental.
Kapil is a very trustworthy individual and a great asset to your institution. We are very happy with his guidance and thank him for all the support he gave us that made buying a house a reality.
Extremely satisfied from the way Kapil Nepal handled our loan process. He is very helpful and easy to approach during the process.Kapil made the process real quick and maintained a personal touch with us, giving us confidence in what was happening.
Fantastic work from Kapil sir and his entire team.
Awesome experience.
I am glad and please to get such a huge support to get my home loan finalised in a right way. I would like to thank SmartLine Kapil Nepal Team a lot. Thank you so much.
It was an amazing experience working with Kapil Nepal. He was very professional and was great when it came down to finding the best solution for me irrespective of a timeframe. He always had time to talk to us when we had questions.
We are really pleased with the service we received. Kapil Nepal is highly professional. He kept us updated with any changes and progress of the application. We would highly recommend Kapil Nepal. Thank you Kapil dai for all your effort.
I have found him very friendly, show great passion on explaining each abd every steps to go through all the way till the end. Strongly recommended Adviser.
Very well organised and cooperative agent- Kapil Nepal.Best solutions. Would strongly recommend to others.
Kapil made us very clear with all the things to make it easy way for us.
Kapil Nepal's "Attention to detail" is the best thing about him.
We are very satisfied and happy with the service provided by Kapil Nepal. He is a through professional and friendly at the same time. He had absolute paitence in responding to all our querries and questions regarding the loan options & other variable
Great working with Kapil.
Kapil endeavors to build lasting relationships instead of performing on off transactions. He kept us informed all along and provided valuable guidance in helping us choose the right product. An absolute pleasure to have him as our mortgage broker.
It was really great experience with smartline while refnancing my home loan. fantastic experience with Kapil Nepal.
Thank you team
As always someone i can lean to get right Advice and service. Thanks Kapil and Team Regards
Krishna Upadhyay
Very approachable and always available
Over all good service; however, service could be improved certain level. Bit disappointeid...
After the taking over the loan, interest payment date was put different date than desired. Called the person but instructed to call Combank which is not expected. I called Combank but waiting time was longer than 2 hours. Inexperied consulatnt..
Kapil is an astute professional. His timely guidance and support helped us secure finance from right provider within timelines.
The best broker you ever get for your loan arrangements.
Always contactable and valuable advises...
Excellent service
I would like to thank you Mr.Kapil Nepal of Smartline for his best financial service towards client for entire home buying process and until settlement.Highly recommended for everyone.
Great service!
Kapil has been very helpful and a wonderful support during our journey of acquiring our first home. He is very professional and helped us through every step, answering all our queries and advicing us adequately.
Kapil has been extremely helpful in sorting our mortgage. He has guided us through every step of the process and has even assisted us in things outside of his remit. Kapil never missed a beat when it came to communication. We could rely on Kapil with our eyes shut. Would recommend Kapil for all sorts of financial needs.
Kapil Nepal was very prompt and professional. His timely communication and commitment to find the best products for our individual needs is commendable. Would recommend Kapil to anyone looking for loan advice and assistance.
Going through this mortgage process with Kapil Nepal, we felt so honourable the way he looked after us. We both my wife and I are pleased with the service.
Working with Smartline has been efficient and comfortable. Highly professional and dedicated to customer needs and satisfaction.
I will highly recommend Smartline to my friends and colleagues who are looking for home loan and other services.
Very professional, quick in response,very knowledgeable about what they do, willingness to help anytime of the day.
5 star service!
Great experience
Thank u for all ur effort that u put throughout the process..time management and the follow ups that u did with various stakeholders was really big help for the approval of the loan effectively
We had a very good experience with our advisor. I think it would be easier for the clients to have a good recommendation of conveyancers as well.
I had great experience with Kapil Nepal. He is very professional and keeps his client upto date with loan application. I will highly recommend him to my friends and family.
Great advice, I can contact when I need Kapil. Happy to refer friends and family.
Kapil has been very helpful and a wonderful support during our journey of acquiring our first home. He is very patient, professional and helped us through every step, answering all our queries and advicing us adequately. Will definitely recommend Smartline to anyone out there looking for Mortgage Advice. Thanks Kapil & team!
I had a great experience using kapil nepal as his team . They were very knowledgeable and gave me all the information I need in an easily understood format and I will definitely recommend Kapil nepa and his team to everyone who is looking for a loan .amazing work .
thank you very much
This is our second time dealing with Kapil for our home loan. He has been very professional and guided us to find the best deal for our home loan. Highly recommended for anyone looking for an experienced mortgage advisor.
I had a great experience using Kapil Nepal. Kapil is very knowledgeable and gave me all the information I needed in an easily understood format and I wouldn't hesitate to recommend to others.
The process with the mortgage went as easily as I could have hoped for and no doubt that had a lot to do with the assistance I was provided.
Timeliness was excellent and I always felt very well supported throughout the process. Thanks!
I had a great experience with Kapil Nepal. Kapil is very knowledgeable and gave me all the information I needed in an easily understood format and I wouldn't hesitate to recommend to others.
The process with the mortgage went as easily as I could have hoped for and no doubt that had a lot to do with the assistance I was provided.
Timeliness was excellent and I always felt very well supported throughout the process. Thanks!
Fantastic customer service
Kapil was extremely helpful and very sincere about this service. Highly highly recommend him??
Always receiving Professional services and great outcome ????
Awesome????
Kapil is very qualified and professional mortagage broker. We have dealt with Kapil 2 times and both the times it was a positive outcome. He will never let us down. Answering our calls and advising us while on personal holidays, public holidays is just mind blowing. If plan A doesn't work there is always a Plan B with Kapil and he will ensure settlement goes smooth. I highly recommend Kapil if you are looking for the best rates in the market and high success with your loan approvals. Thanks again Kapil for everything you have done.
Very professional and the whole process was smooth. Very knowledgeable as well.
Wonderful personalised service
Experience with Kapil Nepal was thoroughly satisfactory. He guided us at each step and explained to us everything very clearly in the entire journey from inception until now. Kapil's years of experience in the industry enables him to provide accurate information. He was very patient while answering our queries. We trust him with our financial advises which goes beyond the mortgage alone. I highly recommend Kapil if you are looking for the best rates in the market and high success with your loan approvals.
I found kapil as a very confident person at his work and he guided me very well throughout the process.
All time every step helpful
Kapil Nepal is a legend for all your queries and genuine suggestions .
Trust them you wont regret
Amazing service from Kapil , it has been an absolute pleasure to have him looking after my interest when it comes choosing financial institutions for my mortgage .
Thank you Kapil for your amazing service
Arun and Jyoti Timilsina
Kapil is very qualified and have detail information about it and always shows right and correct procedures to help the new buyers in the market. He has provided great support during our times
I really appreciate the effort Kapil and team made to make sure my loan approval process was smooth and sound. Even when Kapil was overseas, he was available to give me financial advice that I needed.
Really good service and really helpful. We will recommend to our family and friends to choose smartline.
Very professional and helpful throughout the process
Well detailed view of finance and service. Professional attitude and took care of everything required.
Highly professional service and support
Very helpful and genuine
Kapil is very helpful & easy to work with.
excellent
Very good customer service and knowledge of product.
Advisers need to be more proactive and should have alternative solutions for customer so that if one didn't work out other could be put in action without any delay.
I can describe Kapil Nepal as a mortgage adviser is a great professional & is very honest with his profession & duty. The way he approaches with his client is an absolute pleasure & the experience & service we had with him was a tremendously delightful. I recommend all new & investment property buyers to get his service & I am confident, you will get the best out of him. Kapil Nepal, a true legend & gem for a Smart Line company.
It was a great experience working with Kapil at Smartline. He is always helpful and cooperative.
Thanks for all your help.
Excellent service.Helped to choose the best option available.
Kapil is quite knowledgeable person. He first explained us on the basics of fixed & variable interest loan and pros & cons of both. Which really helped us to pick the good product for us. He extends his hours to attend us and help in filling the bank documents and fast processing.
So always...Kapil went above & beyond what we expected from him.
A pleasure to deal with, helpful & listens...Thank you Kapil.
Thank you
It was a great experience. Kapil was really helpful throughout the process. Thanks.
Kapil was always available to assist and also guided really well before settlement.
We were referred to Kapil by a friend, we really liked his professionalism and great knowledge of the subject matter.
For sure will refer him to friends n family.
Mr. Kapil, undoubtedly is the best mortgage advisor any home owners can ask for. With the wealth of knowledge in his field he is always up to date to the market and serves his client in the best possible way.
Kapil Nepal has helped us to overcome from an unsettling situation. He took initiative to involve personally right from the beginning till the end. The whole process was made so easy due to his personal commitment. He negotiated the best possible rates for us.
I really appreciate his service and would highly recommend to anybody looking for mortgage related services.
very professional service and kept us informed all the time, happy customer
Excellent
a
Kapil Nepal was pleasure to have as a mortgage adviser. He was very easy to get along with any enquiries even after the office hours without any hassle. In just a short period he advised us to choose the right home loan and make our dream comes true to buy our first home in Australia. I would definitely recommend his service to any of my friends and families.
N/A
Fabulous
Very good at what they do
He is really good.
I would l love to work with him again in future.
Great customer service and pleasure to meet to deal with.
I am very happy with the service provided by Kapil Nepal and Team.
He is sk ma b helpful, which cant ne described .
He deserve 10 out of 10
Incredible hardworking,
Hats off
We have the best experience on the process.
It has been a pleasant experience talking to Mr Kapil Nepal. A genuine service that helped me through my process. Five star is the least I can do.
Friendly and guided advice.
All good..
Please continue being the same. Great work Kapil!
Very good and excellent service and coordination.
A great service, tireless, reaching above and beyond.. available at any time with effective services.. very thankful to Smartline and in person, to Mr Nepal.
Have a customer community hub where people collaborate and could be moderated by Smartline
A thorough professional! We bought both of our property through him. Made buying process so easy. Ongoing support not only during buying but after that as well. Highly recommended
We are dealing with Kapil for the 2nd time and this time for our 2nd Property... He is always helpful and reachable any time... He always gets the good interest rates... In other word peace of mind... Thanks Kapil...
Just wanted to let you know that during shorfall authority amunt before the Land Settlement week may not be exact as discussed 2-3 months earlier before the settlement. So have to give heads up to the clients and email solicitor 2 weeks early as well so that we are all on the same platform.
Very Excellent mortgage broker and person. He and his team understands the needs of the clients and works together to fulfill. Very happy customer .
Thank you very much Kapil Dai for making it easy to add a home to our family picture; right from the start to the end. Never rushing nor judging; always ever so helpful with smart advices.
Received very quick response from Kapil a Nepal and his team. The advice I received was very accurate and current. I would recommend others to visit smartline for all property matters. I would also request Kapil and his team to keep on providing the same kind of excellent service to their clients.
We have been directed thoroughly throughout our home loan process to make our dream come true to buy our first home thank you Kapil Nepal and his team on behalf of smartline
I would like to thanks Kapil for the assistance he has provided in providing finance for our first home. Everything was smooth and had no issues at all.
Regular updates on the rates and differences would be helpful.
smartline personal mortgage advisor Kapil nepal is best mortgage advisors I ever met.
Thank you for your all round support.I definitely recommend my my friends.
Keep it up Kapil sir
He was always very approachable and genuine with any suggestions. Thanks
Excellent service
Approachable
Prompt action
Kapil is Great Person. He has ticks all boxes.
He is very helpful in any matter to resolve the client issues . He deserves 110 out of 100. There is no further need to describe about his service . Gr8 job
Kapil was very friendly, professional, attentive and efficient. He took the time to understand our financial situation and recommend the best product to suit our needs. I would recommend Kapil to any of our family and friends.
He is very good and helpful.
Kapil was excellent.. outstanding service and made our experiance very pleasant. Would highly recommend to friends and family.
\"Kapil knows what he is doing and he helps us showing his professionalism and experience to secure a loan, highly vouch for him to anyone\"
Kapil is very friendly and always gave me informations I wanted at all time.
I wish good luck in future.
Kapil provided me with excellent professional service.
Kapil Nepal helped me a lot in this loan process with his experience , qualification. His guidelines, directions,advice is very fruitful to me. I was naive in this loan process. He guided me through each and every step. He is approachable ,friendly and clarify me with each and every queries I have. He is the best. I recommend all of my family and friends to seek advice from him if needed.
Thank you
Easy to communicate,very professional ,supply all information,easy to contact..
we had no idea which path we have to follow .Through a recommendation of my friend we engaged Smartline to assist us with the purchase of our first property.we have been extremely impressed by Kapil and his team\'s reliable, professional, approachable way of helping .Kapil is switch on , honest to give any suggestion ,proactive and very attentive.we found it very useful to have Kapil deal with bank on our behalf.he made the whole process pain free and easy.
we would highly recommend to anyone wanting not a broker but broker with caring package.keep up the same flow will our community(needy people) search for you.
Ganesh and Deepika
homebush west 2140
He is very professional and effective in his job.
Kapil nepal was very helpful and he did helped us to get right loan and right house in short period of time. I would like to thank him for all the assistance he provided and will recommend him to my friends.
I am very happy that I chose Smartline to purchase my first property It was very helpful and I would definitley recommend it to my friends and family.
Again Excellent service by Kapil Nepal , exceeded all my expectation that I have from a good Mortgage broker.
Will definitely recommend to my friends and family.
All the Best.
Thanks
Arun Timilsina
Mr Kapil Nepal is always there when you call him and always very helpful and keeps you updated. He makes it very seamless for any application. This is the second loan through him and I have referred lot of my friends to him as he is the BEST.
He is a great asset to the company.
He knows what he is doing - trusted advisor.
Thank you for everything. I am happy that I went with Kapil than going directly with the bank.
Dear Kapil Jee,
Thank you so much for having a swift transaction in finding the better home loan for us. Even we had some hurdles, i think we over come it in a time and with limited time we manage to achieve the home loan.
Both of us would like to thank you for your effort and knowledge that you shared with us, being a new comer in home loan. We have already recommended our friend to you, hopefully she will be coming to meet you soon.
All the best for your team and best wishes for your musical journey.. I hope the album is out now and hopefully we will be in touch soon.
Thanks
Gaurab & Ilisha
The Adviser was really helpful & would listen to me all the time & guide me all the time to take the right decision.
We never thought we would be able to step on investment property within two years after buying our first home. Thank you Kapil Nepal (Dai) to provide great advise and assistance on finance process to make our dream come true. Legend.
Great and fabulous mortgage advisor.
I started my loan with Kapil in 2013 and I haven\'t looked back since.
Kapil is very honest, helpful and very easy appproachable. I understand there are so many paperworks involve and I can imagine there is lots of works as well behind the scene but Kapil takes it very easy and correspond us on timely manner.
Kapil helped us from very beginning of property search to all the way to settlement and also keep on eye our mortgage for any opportunity to get better position.
I am really thankful for Kapil and his team for ongoing support and wish him all the best.
Binod and Bandana
Excellent communication skills, Highly knowledgeable, professional, conscientious and polite.
The Service we got from our Broker was phenomenal. Since it was our first home and the processes involved were completely out of our knowledge. But from the day one we were advised what to do and what to provide and it was lot more easier throughout the process than we thought. And on top we were kept informed each and every step happening throughout. We were quite amazed with the service and definitely would like to recommend to friends and family. To be honest we have already done few.
Not only me happy with him. I recommended to my friends and their answer always professional and perfect consultants.
Our refinancing and the new loan application process with Kapil was a great experience for both myself and my wife . He was approachable any time and explained the details of the loan very clearly and got a a good deal at the end .
A very honest and hard working broker I have every worked with , definitely going to recommend to many more that I know.
Thanks again Kapil for the great work .
Arun and Jyoti TIMILSINA
we were very new in the market, it was bleessed for us to meet with Mr Kapil Nepal dai who guide us from day one till we bought the house with his professional experiences. he is expert on his role, thank you very much for your help.
thank you smartline.
I had heard a lots of great feedback from my friends about Mr Kapil Nepal. So I decided to see how he can assist me with my refinance and amagingly this whole process was seamless.
I had purchased off the plan land which will settle anytime now and I am definitely going with Mr Nepal for this new land and also construction loans.
I have also referred my friends to him.
He has lots of knowledge as there are VERY FEW mortgage brokers who really knows mortgage rather than just home loans.
He is a great assets to smartline.
Thank you again.
I had heard a lots of great feedback from my friends about Mr Kapil Nepal. So I decided to see how he can assist me with my refinance and amagingly this whole process was seamless.
I had purchased off the plan land which will settle anytime now and I am definitely going with Mr Nepal for this new land and also construction loans.
I have also referred my friends to him.
He has lots of knowledge as there are VERY FEW mortgage brokers who really knows mortgage rather than just home loans.
He is a great assets to smartline.
Thank you again.
I had heard a lots of great feedback from my friends about Mr Kapil Nepal. So I decided to see how he can assist me with my refinance and amagingly this whole process was seamless.
I had purchased off the plan land which will settle anytime now and I am definitely going with Mr Nepal for this new land and also construction loans.
I have also referred my friends to him.
He has lots of knowledge as there are VERY FEW mortgage brokers who really knows mortgage rather than just home loans.
He is a great assets to smartline.
Thank you again.
Excellent and friendly service, always updated of the process and on time
Much needed great help from the start to owing the home.
And just recently the rates were brought even further down than how much we were paying.
Thank you Kapil Dai!
Good trusted service.
Excellent professional and very knowledgeable. Guided & assisted us in every step towards the loan process. Thanks for the excellent service and will recommend all those who wanted buy a property.
My adviser Mr. Kapil Nepal is doing great job. I am fully satisfied with him. Keep it up.
Thanks
Kapil Nepal was very helpful towards guiding us throughout getting our foot in the door in the property market. He was always there if we had any questions or worries. He made the whole process of getting the loan approved feel like a breeze. Keep going Kapil Nepal!
We are extremely happy with Kapil ji\'s service. His way of working and explanation to details are clear and precise. We would love to recommend him to friends and family.
He was well organised and loaded with resources. Information was brief and easy to understand. No time boundary to reach. Overall, happy with his service and strongly recommend his services to friends and families.
My advisor Kapil nepal is very energetic and always ready to help. I am very thankful for his direction and motivation throughout my property finding journey.
Thank you kapil and team for the outstanding service!. Your are always reachable from concept to final settlement process. Borrowing loan can be a complex process and with kapil you are in good hands! I cannot recommend enough, Excellent service with everything explained in detail and with exceptional patience.
Dr.Prasad Bollina
We really appreciate the expertise and professional service provided Mr. Nepal. His friendly nature and excellent communication skills really made us comfortable. He certainly made the whole process less stressful than it might otherwise have been.
Words are inadequate to express our gratitude to Mr Kapil Nepal and Smartline team for such a professional and pleasant service. Heart full thanks for absolute professionalism and tremendous service that you exhibited all the times until our loan settlement. Keep such spirit up and all the very best Smartline team !!!
Sharad Neupane and Pooja Gautam
Kapil helped me to choose the better homeloan option. I am really happy that I am saving some good money because of his guidence. He is excellent is advising and comms about the service. I have recommended Kapil to many of my friends.
Kapil was able to explain loan process and assisted with loan documents. Kapil has been very helpful.
Fantastic service. Upto date and ongoing information and help.
Keep it up.
Kapil nepal from smartline helped and guided us to our very first investment. He not only was committed but also acted as a mentor and guided us throught the process. We are very grateful to have him as a consultant and would proudly recommend him to our friends.
I have received excellent advisory services by Kapil Nepal from SmartLine. Seeing his commitment towards the customer and his passion for excellence, I recommended 3 more clients to Kapil and SmartLine.
I wish Kapil and SmartLine all the very best and hope they continue to provide 5 star service and peace of mind to their clients.
I received excellent service , professional advice from selection of property to settlement, I strongly recommend my friends and families to contact Smart line (Kapil Nepal) for mortage and other financial matter !!!
We bought our property first time in Australia. And we did not know much about this entire process.
Furtunately, we met an advisor who is a well known not only through his name, reputation or trade but also as a human being, we experienced.
Kapil genuinly guided us throughout this process. He clarified the right way to choose the home loan in current market, tailored and suitable to our current situation and made us possible to land into our own brand new house.
Very big thanks to Kapil and samartline.
Rajesh gurung and Rita Gurung
Keep up the great work.Thank you
Kapil Nepal is very professional and very friendly. Never in hurry and give plenty time clients and explain and very approachable. Very good commutation skill and approachable any time. Continue to recommend him for my family and friends. I found myself very lucky to have him as my mortgage broker.
Kapil Nepal is very professional and very friendly. Never in hurry and give plenty time clients and explain and very approachable. Very good commutation skill and approachable any time. Continue to recommend him for my family and friends. I found myself very lucky to have him as my mortgage broker.
He was always helpful and provided adequate information during the loan process.
It was so nice of Kapil to do a home visit as it was not easy for us to attend office with our little one. Also thanks to Kapil on advise about houses.
It was so nice of Kapil to do a home visit as it was not easy for us to attend office with our little one. Also thanks to Kapil on advise about houses.
Kapil is a highly professional broker. He provided us the right information and support whenever we need it. A very warm hospitality and a customer service!! We will refer him to our family and friends!!!! Great experience to have business with him!!!!
Kapil has been very professional with all the dealings I had with him.
I found Mr Kapil a very professional personality, easily available at the time of need, friendly and full of relevant knowledge. He showed perfection on information and service delivery.
I would like to thank Mr Kapil Nepal and team for all the help and support. Since we were very new in the property market, his experience helped us and made very easy in buying our first property. He is easily contactable and calls back if he miss our calls. Honestly I would like to recommend him to all my friends and family.
Very happy for the service that Kapil provided . Very reliable up to date information and ta happy
great service, quick response, excellent result. Strongly recommend for my friends and family.
Really happy
we were so lucky to have mr Kapil as our adviser. we strongly believe because of him we were able to get the best deal for our home. we really appreciate his customer service and friendliness. He was readily contactable and genuinely showed his commitment in helping us to get the best deal. we would highly recommend mr Kapil to our friends and family. Thank you Mr Kapil for your best customer service.
Kapil is always helpful and answer any question quickly. I will recommend his service to anyone.
He is a real gentleman and very helpful on everything. He has always been giving us the best possible suggestions and directions upon everything associated with the home loan and never hesitated to help us on other things like; to find good finance planner and insurance. We wish him all the best.
All very good
Experienced and professional service, helpful, flexible and very easy to deal with. Highly recommended.
Strongly recommended. He was helpful though out the whole process.
He is very genuine and his knowledge about the products and services is great. He seems to be great person and honest and assisted every possible way and even more than expected so I am definitely one happy customer and would refer him to my friends and family .
Smart line is really best regarding home loan advising
We are very grateful to Kapil Ji for his expert guidance and suggestion which made this process easy. Kapil Ji took us the process thoroughly step by step and listening all our queries with patience and helping us with the best options. We will definitely recommend you to our friends. Thanks again! Suresh and Shobha
Someone we could trust! we got no idea purchasing our first home, Kapil Nepal was undoubtedly our key source of direction and someone we could trust.He was open, honest and pro-active throughout the entire process and ultimately made us feel confident and comfortable relying on him for our big purchase and made our dream came true. Can't thank enough for his friendly and efficient manner.
EVERY THING IS POSSIBLE! OUR DREAM WASN'T POSSIBLE TO ACHIEVED WITHOUT KAPIL. HE HELPED US AND TEACH US THE PROCESS OF BUYING OUR FIRST HOME AND ENCOURAGING US TO GET THE INVESTMENT PROPERTY WITH IN A YEAR. THANKS FOR YOUR ALL TIME AND SUPPORT YOU HAVE GIVEN TO US.
Kapil is passionate and excellent communicator. Provided me with all information possible. I would like smartline to provide options other than products they support, just for comparison so that we get perfect value.
Kapil Nepal was so helpful professional with wealth of knowledge. I will recommend him for all my friend and family.
We would like to thank Kapil Dai for helping us out all along the way in making our dream of owning our first home so easy, right from getting the pre-approval to finalising the loan with a superb rate. We will definitely recommend Kapil Dai and his service to everyone we know.
Kapil Nepal provided professional customer service during my home loan processing and settlement as a financial broker. Mr Nepal was very punctual, friendly and result oriented individual and provided all up-to-date progress and information in time. I highly recommend Mr Kapil a right financial broker for those who are looking for financial advice for home loan.
Kapil is very friendly and always available for any quaries.He guided me through the whole loan process and I will recomend him for anyone who whish to get his service.
Sometime homeloan worries you more than anything then stress begins.so to eliminate it,you seek instant and prompt solution for,even in the night.And once for the solution of my stress i called kapil nepal at about 11.30 pm,and he responded and helped me to release my stress.So,my experience is that loan is not only loan but it connects with stress management as well.So the broker must be like kapil nepal,anytime available.this is my advice . thank you very much.
I am very much satisfied with a help of Kapil Nepal to get a home loan for our first home in Sydney. He is very friendly, knowledgeable person on this field.He helped me a lot to choose a right bank and also helped me with all the legal aspects.i would strongly suggest everyone to get his help for home loan and suggestion. It would definitely helped a lot and in fact to choose the right source of loan. Thanks Kapil Ji.
Thank you Kapil Nepal , to make our dream comes true, more success ahead. See you in future too.
It was a great help and good assistance in understanding the process and advantages and disadvantages of entire home loan process. He advised us to find the right loan with being available anytime we need, answering all our queries and finding out the best solutions. I really appreciate his help during my busy schedule.
Kapil is very professional broker always willing to help and secure lowest possible interest rate. I would strongly recommend Kapil to my friend.
There is no word to express by writing. Kapil has a great business, smiling, helpful and Yes I do character. Fanindra
excellent service.very happy.
Mr Kapil Nepal is a very professional and friendly broker. He is always there for you to help. He knows very well about his client need and suggest accordingly. I will highly recommend my friend and family to contact him if anyone is interested in buying a property.
Buying a new property in Australia is a dream for everyone . I was not born in Australia so I don't know how it works here .. Kapil Nepal who is my broker .. Not only helped my to get me the right loan but he guided me all the way through towards my dream .. I owe him a big time ... Kapil Nepal is a great addition to your team .. I would like to take this opportunity to thank mr Kapil Nepal for his help . Best regards
Subash and pushpa .
I was dazzled by all the plans and policies and not knowing where to start with my home loan process. My friends recommended Mr. Kapil Nepal, who has opened up a path for me in the Maze of terms and numbers. I appreciate his customer care, patience, professionalism, punctuality and efficiency; I will recommend his service to my friends.
Kapil assists us to buy our first home and the second (this time). No drama in the process. Everything is well under control. Kapil provides Great Service and Professional Advice. We will still contact him for future needs. Keep the good work up Kapil. Thank you for your help.
Super reliable service and complete guideance and support. Anyone who will be serviced by this guy will be 100 % happy and i am telling this from my own experience because this is the second time he is providing me loan service. I will definately recomend him for anyone including my friend an family and using myself in future. 7star out of seven. Very satisfied.
I have contacted kapil through search engine and when I first met him he sounds so professional. Straight away I said you re my right guy to sort my finance for my first home and he proved himself he is a right guy. I m so happy with his outstanding service.
Kapil is a real asset to “Smartline”. He is professional, knowledgeable and dedicated in finding the right loan for this client. He kept us update on the progress of the loan and answered all our questions and concerned. He helped us refinance our existing loan, unlock equity, buy a block of land and build our dream house. Thanks to him our dream of building a new house is now becoming a reality and i will recommend his service to my family and friends.
He is best I had ever in this process
I am fully satisfied with my mortgage adviser. He co-operate very well and response me very quickly.i don't have any comments on his service. I strongly recommend him to my family and friends for further date.
Almost everything was taken care of by the adviser. The whole process was so smooth and hassle free, it just feels like yesterday that we met our adviser and we are already living in our lovely new house for three weeks. We did not just meet a great adviser, we found a great friend!
Very helpful and guide me through the beginning on everything.
Very professional, dedicated, excellent work. He went beyond in researching the information to get the work done. Very happy & satisfied with the service provided. Helped a lot to get what we are looking for. Hope to work with him in future.
Kapil Nepal provided really great service to us not only with the home home but also with other issues which we were not very familiar with. He was & is available anytime to help us with our query. I would recommend him to my friends & family. I
kapil nepal is very good person he helped me out with my home loan very professionally,in a efficient way with the real understanding the value of my time because i didn't have much time left.. he did very well,understanding my time is very crutial.thanks kapil and thanks smartline. i would personally recommend it to every one.. very professional....cheers
Kapil did detailed research to meet my requirements and situation. He came up with a number of options which he explained to me and helped choose the best option. I appreciate his time and effort. Thanks once again.
Kapok has helped us from begin to end with very supporting way. As a first home buyer, we were confuse about the process but he guided us in very supportive way.He had helped us lot more than a broker. We really appreciate his support as he can explain in most simple way and help in decision making and be with us all the time through out this whole start to end process. Thank you Kapil.
It was a great pleasure to deal with Kapil Nepal. He is just amazing.We had a very nice experience and guidance through out the whole process. We want to thank smartline and Kapil Nepal for helping us.
Great Service
Mr, Kapil was excellent. All our quarriers were answered asap. I was really happy with his service and I will recommend this to all my family and friends.
It was a pleasure to work with Mr. Kapil Nepal who helped us throughout our journey to achieve and accomplish our goal as the first time home investor.
I am happy with the service I received.
I am happy to get Kapil as my loan adviser.
We are fully satisfied with Mr. Kapil Nepal. We have already recommended some of my friends .and we wish him success in his career. and i would like to take this oppertunity to thank him . Regards
Manoj Pradhan
sanju dangol
i was with other morgage adviser before i met kapil Nepal. he made my job very easier. He got every answers to my questions.He is very professional and i will definitely recommend to my friends and family.I did 2 0f my friends already. Thank you Kapil for your help and support.
Kapil Nepal, best in the business. The person you can always trust. My own experience.....
Knowledgeable friendly advisor. Was willing to understand my needs and advised the product that was suitable. I was kept abreast of the development of my case throughout the process. He met his commitments about getting the loan approved within the stated time. I have since recommended the advisor to few of my friends.
Thanks for the service you have provided. Mr kapil is dedicated to his clients and has potential to meet their expectations.His efficiency has let us recommend him to my other friends.Wish him all the best.
Dealing with Kapil was very smooth. he kept us informed throughout the loan process and provided us the competitive interest rate. I will strongly recommend Kapil to my friends seeking housing loan.
We are very happy with the service provided by Mr Kapil Nepal. His advice while going through the loan process and his availability whenever we needed is appreciable. we would highly recommend his service to our friends and family.
Kapil Nepal assisted my home loan. He was great, very patient, very efficient, he has been looking after my loan through out the process.He was the best mortgage adviser,i will recommond him to all my friends.
Easy to work with, no technical jargons to worry about,always communicative.
Provided lots of professional support and help. I found him to be very experienced and supportive person.Only thing I can say is if I hadn't met him, I wouldn't have bought a property. His professional suggestion and support help me to take this step. thankxx a lot Mr Kapil Nepal for your service and support.
He is friendly and very loyal person and I am very pleased with the services provided by Kapil Nepal. Thanks, Rajendra
Kapil helped me with refianace and restructure of complex loans both investment and home loan. I found him very experienced in home loan products and provided me solution that matched my need. Kapil also has been very informative during the process with bank and other parties. I wish all the best and I will definetly recommend to my family and friends.
Kapil’s dedication to clients and his determination to find us the best possible loan impressed us. Always with good advice and best service, he was the best – efficient, organized, friendly and prompt with integrity and values. As a licensed Smartline Home loan adviser, I will recommend kapil to all my friends. Durgaprasad Bollina
No comment ,We are happy.
thank you kapil and smartline for providing great advice and services.
The biggest advantage was Kapil's flexibility to accommodate his schedule as per our availability, thus saving us the hassle of taking time off during work days.
Mr. Nepal is outstanding on his profession, highly ethical and honest professional, definitely highly recommended
Kapil is highly professional with high level of customer service. Kapil also understand customer needs and advice type of loan/ bank suitable for the customer. I have already recomended to the other friends as well.
Thanks for Kapil Nepal and Smart Line Business for providing loan from CBA.
We found Kapil very helpful during the whole process. He was able to quickly understand what we were looking for in a home loan, he was easy to contact and quick to respond to our inquiries and he facilitated the whole process smoothly, especially providing support when submitting the loan application. Overall we were very happy with the service provided.
Whoever,whatever and wherever---the co. like smartline.They need right man at right place and I think Kapil is the right person for.With young talent,right direction ,exploring attitude and ability and never stopping.Human nature requires "result oriented results".And Kapil is the appropriate answer and solution for that.Congratulation to Smartline,who has the advising and implementing enthusiastic member .Wish him for a twinkling bright future and the smartline co. as well.Thank you.
Kapil Nepal Adviser from the smartline has been really helpful for us in finding the loan that we were looking for. Best advice given. Always answered all the questions we come up with. Will definitely recommend and advise others for the services of Smartline.
The Smartline Mortgage Advisor made the process of buying our first home really simple, understandable and manageable. We honestly believe that he took the "extra mile" to provide that unconditional and professional support, and we are extremely grateful for that. We will certainly recommend this service 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.
