Reviews
Average client rating
4.9/5 From 155 Reviews
Phillip Cooper Michael Daniels have been fantastic with our recent refinance. Consistent communication and updates throughout the process from start to finish. Explaining any new requirements that put us at ease which in the past has been a stressful experience.
We will be recommending Phillip Michael to anyone looking for refinancing.
Michael and the Team are always great to deal with, very helpful, thorough and ensured we understood every step of the process. Pleasure to deal with and highly recommended
We have used Michael Daniels for all our mortgage needs for a number of years and each time we have a great experience Michael is professional, knows his stuff and really works to get the best deals for his clients. Would highly recommend Michael and his team.
Phil was very helpful as he guided us through the first home buying process. Responded quickly and answered all our questions along the way.
Michael Daniels @ Mortgage Choice is by far the most professional, knowledgeable, helpful, supportive, patient and wonderful broker I have ever used. He was always available to take my calls, answer my thousand questions and fully understand the true needs of our mortgage requirements that are unique to our situation. He took the time to understand us and was extremely patient with me when I went back and forth on various loan options and home purchasing plans.
I have used Michael on many occasions now over the past 6 years and he continues to provide ongoing support when I have contacted him with specific questions and enquiries. He is a wonderfully warm man with a fabulous sense of humour and is always so personable to deal with.
I could not recommend Michael Daniels more highly
Michael has financed refinance several properties for me over a number of years I couldn't recommend him highly enough. He's professional, highly knowledgeable, patient responsive. Thankyou for all your help on an extra complicated purchase this time Michael
Michael Philip were great, managed to refinance loan to a lower rate, great to work with the team again.
Second time working with Michael and again he went above and beyond in refinancing my investment and setting up finance for another property. Michael is well connected and his years of experience really show. I cannot praise and recommend him enough for his personal integrity, professionalism and absolute focus on his customers. Thanks Michael, you made what felt so overwhelming initially, a walk in the park
Great service. Very knowledgable and helpful. Got us a great loan product
Dealing with Phil Cooper has always been a throughly engaging experience. Always helpful and timely with answers and follow up.
He helped us through every step and alleviated any issues that came our way.
We could not be happier and would highly recommend working with Phillip any day.
Michael helped us find the best rates for our mortgage more than once, including initial mortgage and re-financing that suited our needs best. He is very knowledgeable His advice, guidance, and prompt actions were much appreciated. Highly recommend Michael
I highly recommend Phil to anyone looking for a mortgage broker service He walked me through every step of the process of buying my first home with patience and kindness, was always quick with answers to my millions of questions and made me feel so secure during this overwhelming process Thank you so much Phil
Michael and Philip were fantastic helping us secure finance for our recent home purchase. Their communication was clear and prompt and they were always there to guide us through the process. Highly recommend. Thank you.
I highly recommend Phil and Michael at Mortgage Choice Erina, they are such a friendly team with good practical advice. Working with them was super easy - they kept me informed of the process the whole time so I was never left wondering, and found me the lowest interest rate available. I'm very happy with the outcome
My wife and I have used the services of Michael Daniels on multiple occasions for refinancing and for the purpose of a percentage rate reduction on our home loan.
We find Michael to be truly knowledgeable across all aspects of the lending space. He always has his finger on the pulse and no question we have asked him has ever been too hard. He can also offer unique real estate market insights and crunch the numbers when considering the cost value of renovations versus upsizing.
In the past, we had had a change of financial circumstances at the exact same time our fixed rate was ending and Michael was able to present to us a number of options and affect a positive outcome when we thought we would be locked into a very high rate for the foreseeable future. It is a comfort to have someone on your team who will go in to bat for you.
We contacted Michael again this week to see if he thought it would be worthwhile contacting our bank seeking a rate reduction, and to our delight, after speaking with Michael and him providing a competitive comparison offer from another lender, our current lender relented and granted us a rate reduction. We couldnt be more thrilled.
We will happily continue recommending Michael to our friends and family.
Michael secured us an excellent rate after our fixed-rate term expired. Following a few email exchanges outlining the specifics, we now enjoy a rate that is 2.19 lower than the initial bank quote. Highly recommended.
Michael was amazing - so knowledgeable of lending criteria of different banks . We only had income from Super and are not young - yet Michael got us two loans approved in the past 12 months.
Michael is easily contactable and always responds quickly.
There is a portal system for uploading documents which makes it so easy to supply the multitude of information required by the banks.
But mostly Michael has a huge knowledge of the loan business and can quickly evaluate the amount and likelihood of a loan facility in your circumstances.
Nothing is to difficult for him and my family would use no other broker now. Thank you Michael for our new unit.
We refinanced and the process couldn't have gone more smoothly, great communication throughout made it stress-free.
Highly Recommend
Thank you Michael Daniels from Mortgage Choice Erina
Michael Daniels assisted me when my previous mortgage broker couldnt due to the complexities of my situation. Michael is thoughtful, knowledgeable, and caring throughout the process, and finds solutions that others cant. I highly recommend him and his team. Thank you for Michael.
Dear Michael And Team,
I wanted to pass my thanks and appreciation for your support and patience to my process of refinancing and securing a suitable loan with cost benefits in the current climate.
Would highly recommend the services of Michael, fully versed in the current climate to provide the appropriate advice and guidance to get this deal signed off.
Michael assisted to align the current financial process required whilst living and working overseas.
A true pleasure to work with Michael and would gladly recommend you to any of my colleagues and friends should they need any mortgage advice into the future. Thanks again Michael.
Best Regards.
Philip Cooper was an absolute dream to work with.
thanks again will definatly use them again
Michael and team from Mortgage Choice assisted us with a complex multiple loan scenario so we could secure a new home before selling our current. This included refinance of an investment priority. Amazingly, Micheal pulled this off in less than 2 weeks. We're so grateful for his efforts and obvious experience in the lending space.
I refer EVERYONE to Michael Daniels This is the third time we have used Mortgage Choice as our home loan brokers. Michael works so hard on your behalf to get you the best mortgage deal and saves you thousands while totally taking the stress out of the whole process. Michael is professional, efficient and so extremely pleasant to deal with. Michael comes with the highest recommendation
I can not rate Phil Cooper and his team high enough - I would add 8 starts out of 5 if possible. Phil manages all my family mortgages and has done so for the last 15 years. Another seamless transaction completed. Thanks Phil and team
This is our 2nd time using Michael and team for our home loan needs. We are very happy with the service provided. Michael is easy to talk to and is a clear communicator.
I appreciate all the help above and beyond to get the loan sorted.
Thankyou
I'm really pleased with the great service Michael provided. From start to finish, everything went smoothly, and I couldn't be happier.
The entire process felt effortless, and I didn't encounter any hiccups along the way. Michael made it look easy, and I greatly appreciate their commitment to making my experience as smooth as possible.
I want to recommend Michael to anyone in need of a reliable and competent broker. Michael made my home purchase a seamless and successful experience, and I'm extremely satisfied with his exceptional work. Thank you, Michael for your outstanding service
Highly recommend Phil for any finance needs . I just picked up the keys to my very first home and there is no way on earth I could have done it without Phil's help and guidance throughout my mortgage process
We found Phil so helpful and professional, and the transition between banks was seamless, all paperwork was done online which was easier for us as we work full time so we could do it in our own time, and we didnt have to go into the office.
We love that Phil found us the best competitive rate to the point we did a last minute switch. So he was always looking at our best interests.
Phil always keep us informed on every step, and answered all my questions
We would highly recommend Phil for all your financial needs. ?????
Michael has been outstanding with his help, communication and support during the refinancing of our current home and the purchasing of our new home.
If you are in the market for a mortgage broker, I highly recommend reaching out to Michael. He is an excellent choice for anyone looking for a knowledgeable and reliable broker who will guide you through the lending process with ease. Thank you, Michael, for all of your help
Phil and the team are awesome. I've used them three times now and have always had top quality service. They have sorted out issues that come along with done much more than they had to. I really appreciate it, thanks guys.
Thrilled to work with the team at Mortgage Choice Erina. A lot of paperwork is needed when going through the home load process, and their portal has made it really easy, and secure to upload in an organised way. They kept me updated throughout the process, and a seamless settlement was achieved Well done Phil team - will be recommending you to all friends family
Michael Daniels helped us secure our home loan for our first house 4 years ago. Since then, he's stayed in touch and made sure we were getting the best deal for our home loan. Multiple times he's worked with our lender to reduce our interest rate, saving us many thousands of dollars. Highly recommended
Thankyou Michael and the Mortgage Choice Team We're a vital part in our home loan application process.
Working with Michael to refinance our loan was an absolute pleasure from start to finish. His expertise and professionalism made the entire process seamless and stress-free.
Michael went above and beyond to secure us a competitive interest rate that exceeded our expectations and other banks offers. We were impressed by Michael's clear communication and timely updates throughout the entire refinance journey. He kept us informed every step of the way and we highly recommend him to anyone looking for a dedicated and knowledgeable lender who will answer all questions and prioritise their financial needs
Thanks from Oliver and Jana
Phil was incredibly helpful all the way through the process. He was pre-emptive with all the documents we were going to require to be successful in our application and sourced the best possible deal for us. He was able get us a large loan increase with a minimal extra weekly repayment.
I cannot recommend Phil Cooper highly enough. The most excellent broker ever. Thanks Phil
Great communication and very knowledgeable about products.
Michael Daniels of Smartline personal mortgage advisers is professional in every sense of the word.
Close friends whom Michael facilitated through a difficult situation recommended him with nothing but good things to say, and we would like to pass on the same sentiments.
Responsive and quick to get the ball rolling Michael helped us through the borrowing process to purchase land and build our first home.
We found him easy to reach, easy to talk to, very informative and reassuring.
A punctual powerhouse, if he wasn't early he was on time and always in contact to keep us up to date and ready for the next step.
Through the difficulties of covid, personal injury, sunset clauses and the hidden costs associated with building a new home, drawing from both personal and professional experience he offered sound advice at every turn.
In a spot of difficulty, he was even quick to discuss options with industry contacts and knock up a plan b to prepare us for the worst case.
Michael is a caring, compassionate and patient individual. It has been a pleasure to get to know and work with him and we can't thank him enough for his help.
Cheers - Jake and Laura.
Phil has been absolutely amazing. Very understanding of our unique circumstances and found the best refinancing solution for us.
So easy to work with. Thanks Michael
This is the second time we have gone back to Phil and Michael in a year - this time for a redraw loan on the mortgage. Phil was very informative with the process the whole way along, and was able to answer any questions we had. All approvals happened quickly and seamlessly, very happy with the service
We have engaged with Michael Daniels multiple times now to assist with our borrowing. Michael is highly knowledgeable, friendly, efficient very helpful. He is in contact frequently and is very clear with communication. We look forward to working with him in the future.
Fantastic service. Michael was always available and extremely helpful throughout the entire process. Highly recommended
Michael is extremely helpful, prompt with all responses and patient with all my questions. He’s friendly, approachable and would certainly recommend.
Excellent service and advise. Michael took us through the minefield of different bank rules and requirements. He was always available and helpful. We settled today on our new home. Hoping to finally retire and move into it in 2 years time. Thanks Michael.
Michael from Smartline achieved the right home loan package at the lowest interest rate possible in the market. The savings achieved are making a big difference to our budget and ability to achieve personal goals. Michael and the team make the process as simple as you could hope for with timely responses. Friendly and professional, we keep going back to Michael and Smartline for all our personal and investment loan needs.
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Having used Michael and the Smartline team at Erina a few times now, I can’t thank them enough for their professional advise and assistance they have provided. They certainly take the sting out of the process while keeping me informed the whole way through.
We cannot be happier with Michaels hard work in getting us a home loan.
We would highly recommend his service and expertise.
I have used Michael twice in the last 12 months and his professionalism and speed to getting me the right loan as fast was amazing. He liaised with my accountant to make sure I could get the loan I needed. Highly recommend him services to any one.
Michael Daniels is fantastic
Michael was absolutely fantastic from initial inquiry through to securing us a loan. He kept us up to date and informed during the whole process. He was professional and efficient, nothing was ever a problem for him and he went above and beyond to ensure that everything went smoothly. I would definitely recommend his service to family and friends.
Couldn’t ask for a better mortgage broker.
Michael was fantastic. Approachable and full of knowledge giving concise answers to any question we had. Communication was at a very high standard keeping us informed constantly. Thoroughly recommend.
Michael was great to work with and he helped us getting our first home. He was detailed, thorough and very responsive. I'm glad he was at our side during the financing process. If you are looking for a broker then look no further and reach out to him.
I finally did something I should've done years ago and got Michael to take a look at my mortgage set-up. He made what I assumed was going to be a painful process, painless. The only pain was discovering the thousands of dollars I had thrown away by not doing this sooner. By doing nothing for years, I had paid double the interest I needed to. What I thought was a complicated set up had always been the thing that made me procrastinate. But Michael just got on with it and made it all easy. One of the hardest things I was expecting was providing all the facts, figures and supporting info securely so I was stunned how easy it was via a very customer focussed online lodgement system. The mortgage settled yesterday and my new provider is nothing short of amazing - customer-focused, responsive and price leading. So bottom line, don't let the big banks pretend to care but instead rip you off and treat you like a number, talk to Michael and put him to work on getting you an arrangement that is tailored just for you.
We highly recommend Phil and the Smartline team. We recently refinanced our mortgage with Phil, who went above and beyond to ensure we had the best rates, and to meet all the extra requirements for approval that comes with being self employed. Phil made the process simple and easy to understand the whole way along, and before we knew it we had approval and settlement! Highly recommend Phil and the Smartline Erina team.
Philip has been our go to for mortgages over the last 15-20 years in both domestic and rural properties. Phil (and the team at Smartline) are professional, knowledgeable and facilitate the loan from beginning to end, making the whole process transparent and stress free. Highly recommended!
Sensational always here to help out great team
Michael was extremely helpful, knowledgeable and contactable and provided a very positive experience. We highly recommend Michael and will be making contact with him in the near future to assist with our building plans.
Michael was extremely professional and helped us work through a very difficult situation with our bank. We would highly recommend Smartline!
Second time I have used Michael and another great result. I found the Smartline team to be responsive, supportive and in my corner ensuring I got the right loan considering the total cost of ownership and based on my specific needs. The process was fast and Michael and the team were readily available to support me with any questions of concerns I had. Thanks again!
Second time I have used Michael and another great result. I found the Smartline team to be responsive, supportive and in my corner ensuring I got the right loan considering the total cost of ownership and based on my specific needs. The process was fast and Michael and the team were readily available to support me with any questions of concerns I had. Thanks again!
Despite having a raft of clients Michael has the rare ability to make you feel as if he is only working for you. He recently moved heaven and earth to help us buy our dream home and we cannot rate him highly enough. His attention to detail, dedication to his clients and calm manner ensured the most positive of experiences and I would recommend his services time and time again. Thank you Michael!
We were very happy to organise a loan through Phil as he went to a great deal of effort to assist us in getting the money for our purchase.
Michael truly went the extra mile to make sure we had every chance of success, and we were successful! Thanks Michael!!!
Michael has a sound understanding of the issues related to the banking system and is able to provide sound, solid advice.
As a first home buyer we really appreciated the excellent communication around the overall process as well as any questions we had. The whole process was stress-free and we couldn’t be happier with this service.
Michael was amazing. He made our loan so easy for us and went above and beyond to make sure it went through smoothly. We would recommend his services to anyone that needs them.
We would like to Thank Michael for his expertise and ability to get a loan to suit our needs. There were a couple of obstacles along the way, which he was able to navigate for us. As settlement drew closer, Michael really worked hard to ensure everything was in place for settlement to go ahead smoothly. We highly recommend, Michael.
We would 100% recommend Michael Daniels from Smartline for all your brokering needs. Michael is very knowledgeable, discussed various product options. The whole process was very streamlined and professional. Thank you Michael for your assistance
Michael is outstanding! We are a growing family and were wanting to buy a house. After many knock backs from the bank and other mortgage brokers Michael came to our rescue and was the only mortgage broker that would help us and now we own a house!
Thank you for great support along the way! Really appreciate and highly recommend.
Michael was great, from coming out to explain the process to myself and my partner through to final approvals and loan conversions he has been easy to deal with and I will continue to use his services moving forward.
Was nothing I had to do but supply some information. everything else happened in record time with me not having to do a thing. Great service and support.
Michael was sensational in finding us the best option when refinancing. We would recommend Michael highly to people planning to refinance.
We came to Michael at a time when we were struggling financially. Our current lender would not budge from our ridiculously high rate and I was having no luck refinancing independently.
Michael was fantastic in helping us refinance. His knowledge in the area and professionalism was outstanding and the rate that he secured us was simply incredible.
We were kept up to date throughout the process and felt at ease in what would usually be a very stressful experience.
I would not hesitate in recommending Michael to anyone planning to refinance.
Michael was Excellent, good customer service, efficient and flexible, provided good advice on situation and how to best move forward, made it easy for first home buyers to understand. highly recommended
Michael really went the extra mile for us, was always very responsive and really professional. Michael really knows his stuff, highly recommend him.
I highly recommend Michael, he was always very helpful, polite and quick to respond throughout the home loan process. He was always there for any worries or questions. Michael is very talented and suited to his role and I couldn’t have chosen a better broker to help me. Don’t look any further than Michael at Smartline!
Michael and his Team assisted us in purchasing our property, they made the process stress free and kept us up to date from day 1 till settlement. I highly recommended for anyone wanting to either purchase a new property or re finance to see Michael.
Awesome work from MD. On point and always a pleasure to talk to
Michael went above and beyond expectations.
Michael has been exceptional support over the last 4 years, always available with great advice!
Michael went above and beyond for myself and my wife which we are very greatfull for. Always responded quickly and professionally but importantly his friendly personality made going for a home loan a less stressful situation. We look forward to using your services again in the future :) . Cheers once again Michael.
Michael was very helpful, providing professional advice for our specific needs. He did his research to recommend the best option for us. I would strongly recommend Michael for any future borrowing needs.
Michael Daniels
Michael was great to deal with - friendly, knowledgeable, and dedicated.
Michael is fantastic! Very easy to contact, very informative, very much a client focused approach. Will use again and recommend.
Fabulous service and advice. Thanks for everything you did to make this such a straightforward process. Michael Daniels was fabulous. Thanks again.
Michael was great, made the whole experience of buying our first home very enjoyable. Will definitely be recommending him to all family and friends.
As first home buyers we were not familiar with the procedures to own a home and were in need of assistance. Michael was absolutely fantastic taking us through each step and answering our many questions. We are now proud home owners and couldn't be happier! Thank you so much!
Michael Daniels went above and beyond to get us across the line he walked us through the process step and made it as easy as possible would recommend him to anyone.
Michael helped us every step of the way for our beautiful new house, we are very appreciated of his time!
Michael Daniel and Lynn Smith are absolute professionals. They go above and beyond the call of duty to find the right hone loan for you. They make everything easy and simple to understand. I would recommend them to everyone
Michael went above and beyond to help us through the loan process with selling and buying our new home. He made the potentially stressful process an absolute breeze for us. He was extremely knowledgeable and understanding of our needs.
This guy is worth more than 5 stars. He went above and beyond to obtain the finances for our new build. He was so patient, nothing was too hard for him. I would recommend Michael from Smartline to anybody looking at getting finances
Sherrie & Craig
Michael went above and beyond to refinance our home loan and pave the way for an important investment. We are thrilled with this outcome.
There is nothing more to be said but this is the 2nd time I have used smartline and would highly recommend Michael to anyone
Michael did an excellent job. He was always prompt to respond, readily available, and processed the application much faster than we anticipated.
Michael was great. He looked after us every step of the way and he went above and beyond to make sure our loan was approved in time for settlement. Would absolutely recommend Michael to anyone in need of a broker
Keep the human element going. Appreciated you "dumbing" down the process when it got a bit wobbly.
Prompt, friendly customer service.
They were amazing, really helped us out.
Michael went above and beyond for my sister and I and I cannot praise and recommend him enough for his personal integrity, professionalism and absolute focus on his customers.
Always very good.
Best decision we ever made to use Michael Daniels as our Mortgage Adviser. Was above and beyond our expectations. Made it as painless as possible. Was always contactable. Always able to answer questions and always remained calm and confident. Cannot recommend him highly enough!
Michael daniels was fantastic through the whole process as we had not bought a house before so all a big learning curve. Couldn’t have done it without Michael
Have used Smartline before and will again, cheers
We really could not fault Michael Daniels service. He was excellent and a pleasure to deal with.
Michael Daniels was very helpful and kept me informed throughout the refinancing journey. I'm totally happy with my Smartline experience. Thank you.
Our experience was great! The process was straight-forward and pain-free. Everything was explained clearly to us, and we felt about to make informed choices about our options. We felt welcomed and valued too.
We really appreciate the regular updates on the status of the loan application and settlement process. Michael is very helpful and went the extra mile to help us get everything done.
Through the refinance process we’ve managed to save alot with a fantastic interest rate.
You’re a legend Michael we appreciate everything you have done for us
This is the second time I've used Smartline. Michael and Lyn are very helpful and make the daunting completion of documents a breeze. Whenever I have had queries, if they were unavailable, they would always respond in a timely matter. Thanks again. Deb Abrook
Michael and Lyn on the NSW Central Coast were extremely helpful and professional and went out of their way to obtain the best mortgage loan for us and kept us informed all through the process. It is hard to think of how to improve on their excellent assistance for us.
Michael was great
Michael provided us with fantastic advice and was extraordinarily patient when we decided to consider differing options. He was always contactable and made us feel that nothing was too much trouble. His assistant Lyn also deserves a special mention for being so wonderful. We wouldn't hesitate to recommend Michael for anyone needing financial advice.
Being new to the Australian property market Michael was able to help me navigate my way through the buying process, providing me with relevant finance options with sound advice, keeping it simple and removing the stress. Thank you!
Exceptional service and care shown throughout the process. I\'d highly recommend Michael for anyone looking at a home loan.
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.
