Reviews
Average client rating
4.9/5 From 221 Reviews
Terri is extremely professional and understands every unique financial situation. She made the process smooth sailing and had an amazing experience from the first call to settlement. Thank you Terri Heather.
Terri Unwin and her team at Mortgage Choice make navigating the tricky process of home loans a breeze. Clear communication, attention to detail and an absolute commitment to their customers.
Terri and Tanya went above and beyond during the home loan process. We couldn’t recommended their service enough!
My advisor was not aware of the first home owners rate of duty laws in WA, since they were based out of state. They were excellent in every other regard.
This is the third time I have used Smartline for my mortgage. I find them responsive, knowledgeable, friendly, helpful and i trust that they will help me find the best outcome for my mortgage needs.
Terri and Tanya were professional and went above expectations at all times. I have recommended them to other friends and family living all around Australia without hesitation!
Terri came recommended to me by a friend. As a first home buyer, the whole process was so much easier than I thought it would be. Terri was readily contactable, and was proactive in her contact with me. She was patient and explained everything to me. I wouldn’t hesitate to recommend Terri to anyone looking for a broker
Terri and her wonderful team were always a step ahead and knew exactly what we needed. It was such a smooth process. I have no hesitation recommending Terri to family and friends.
Terri and Tanya provided me with excellent service; they kept in contact throughout the loan and even calculated exactly what deposit I needed to avoid paying any LMI after the loan had already been approved. They really went above and beyond and I appreciated there extra help with explaining all the technical terms and different options, which for me being a first home buyer was quite confusing.
As a novice first home home buyer, I want to thank my mortgage broker Terri Unwin and her loan writer Tanya Abo Khadour for their professional and knowledgeable advice and customer service throughout the process. They made themselves available to me and supported me from the beginning to the end of my home purchase. I wouldn’t hesitate to recommend them to anyone looking to obtain a home loan.
I have found Terri and her assistant Tanya, to be helpful, efficient, endlessly patient and supportive throughout the whole process. I have already recommended them to others who have been equally impressed with their professionalism and willingness to assist throughout the entire process.
Terri gave us excellent advice about our financial status prior to commencing our loan process and helped us navigate through a very stressful time in our lives dealing with the impact of COVID and other variables affecting the loan market. Terri was able to ensure that we received our pre-approved agreed rate during a surging property market and pre-Christmas so that we were confident with completing Settlement after holiday period. Heather was also excellent in follow up and finalising the administrative aspects of the loan and we were kept informed every step of the way.
Thanks again Terri and Heather for all your help and support.
Wishing you and your team every success.
Margarita and Sam.
Very professional and supportive team who helped us with our financial needs.
Terri and her team made the experience so effortless and streamlined. Having had some unpleasant experiences with another broker, it was a huge relief to find a business who went above and beyond with a no pressure approach.
Terri was able to find the right loan and lender for us and kept us informed every step of the way. I would have no hesitation in recommending smartline to anyone.
Fantastic and beyond the realms of probabilities and was absolutely honest to the point I couldn’t believe again thank you
Both Terri and Heather were very knowledgeable, contactable, approachable and understanding.
Very helpful throughout the entire process.
No hesitation in using them again.
Thanks
Terri and Heater have a wide knowledge of the mortgage market. It has been a real pleasure deal with Terri and she has been happy to help at any time. Communication commitment has been great during business hours but also after hours, which took out a lot of stress from the home buying process. Would be happy to use Terri again in the future and I will recommend their service to others.
Great service and very friendly
Terri and Heather were extremely supportive and helpful and responded quickly to any of our questions. They took all the pressure of dealing with the financial institutions. I wouldn’t hesitate to recommend them to all our family and friends. Thanks for everything.
Terri and her team are evetything i could ever want from a Mortgage Broker. Over tge 16 years Terri has gotten to understand our needs and was helpful from the day I met her. Cant recommended her highly enough.
Terri and Heather were professional, accommodating of my needs and prompt in providing detailed responses to my many questions. They helped ensure the settlement period was as smooth as possible for my first home purchase. Thank you for everything!
Terri and Heather were professional, accommodating of my needs and prompt in providing detailed responses to my many questions. They helped ensure the settlement period was as smooth as possible for my first home purchase. Thank you for everything!
Terri and Heather were always available to answer my questions and the whole experience was done without any fuss and made me feel confident that we had the right loans and that the process would be completed on time. Thanks
Terri, was available to answer all my questions and keep me informed on progress and changes to my situation. Highly recommend her and would use again when need to refinance
Very helpful and responsive. A pleasure to work with. Thank you
Terri was always responsive to our calls and provided invaluable advice and assistance with the purchase of our first home. We will definitely be recommending her to all our friends.
Terri Unwin has never let me down... and sometimes my requests and timing are less than ideal. She always shows up for me and makes me feel so valued as a client and in safe hands.
Working with Terri on completing our loan, was a lovely experience. We found her friendly, very helpful, even our Solicitor commented on what a great job she did in passing information on to them. We would highly recommend her.
Always available, incredibly prompt. I will recommend
Terri is just wonderful to work with she is very competent, knowledgable, and always kept me updated. She went out of her way to make sure the documents were delivered and processed. I will recommend her my friends who require a similar service.
Terri and her team always goes above and beyond to meet individual requirements. They are readily accessible and very timely in their responses.
Terri and Alison are great. Their communication is faultless. Always on the phone and email.
I could not recommend Terri and her team more highly. They have been so helpful, informative and kept me up to date with everything I needed to know.
Terri was fantastic. Very professional and went above and beyond to cover our situation and needs. It was a pleasure dealing with her and Smartline and we won't hesitate to use them again.
Terry was very helpful throughout the whole process.
Thanks Terri and Heather, it's been a great experience and looking forward to trusting you again!
We are so pleased with Terri and how helpful she has been through this whole process, nothing is ever an issue and she is always easily contactable. She has made the purchase of our first home so enjoyable and stress free! Thanks so much Terri.
Terri is very knowledgeable and was able to assist me through a few obstacles with confidence and professionalism as well as providing advice and assistance with all my questions and concerns. I would and have highly recommended Terri to my friends.
We had a fantastic experience with Terri through the whole process. Would highly recommend.
Heather and Terri have been fantastic throughout the entire process and have answered all my queries including constant emails about fees. Really appreciate the quick replies and the great customer service.
Initially referred in January 2020, Terri and her team have been absolutely outstanding. Terri was extremely competent and demonstrated flexibility and transparency throughout, ultimately resulting in our dream home. Thanks Terri and Heather.
Terri answered every question we had. She is great to work with. Would highly recommend!!
My application for the loans was handled very professionally and painless
We are so pleased with the service Terri has provided us, she is always happy to answer any questions we have had through the process and takes time to explain things making it a really enjoyable process. I would highly recommend Terri.
Made the journey easy as a first home buyer
Terri provides great customer service and works hard for her clients. She follows up relentlessly with paperwork ( which we appreciate!)
Will always go back
Terri was very accommodating, prompt with responses, her advice was spot on. She was a joy to work with.
Terri was absolutely amazing throughout the process. She went above and beyond to help me get my loan through. She always kept me well informed and really cared about the outcome. I will not use any other broker and can’t thank her enough. I wouldn’t hesitate to recommend her.
Thanks
Above my expectations!!!
Keep doing what your doing great service with great communication.
Terri has provided us with a fast and effective service both times we have worked with Smartline. The best part was when we approached Terri for the second time in two years and she remembered our financial position - saving us having to re-run the details. Thanks Terri.
They should shout coffee more often seriously just leave the work to them !!
Terri was fantastic provided excellent service
Terri was able to understand how we wanted to structure our finance and select a product which was appropriate for us. Heather kept us updated all throughout the conveyancing process.
Fantastic experience with Terri. She made the whole process super easy and painless. Explained everything in language that i could understand and moved things along pretty quick even over the xmas period!
Gavin had been wonderful all through the process, sometimes working really hard in the background to help us realize our dream.
He is a go getter and gets it dobe for you no matter what the comes in the way, he gets you through.
Thank you Gavin for you efforts.
Terri is amazing and we recommend her to everyone we know.
Terri was fantastic. She was always available to discuss my options and my loan even though I didn't make it easy with the work hours I have.
Terri Unwin and her team gave me peace of mind in a very stressful period. Communication is the key and they achieved this with me 110%.
My partner and my loan was treaky being guarantor, 2nd mortgagor, and with my employment history being 3 months with my employer. We also needed finance approval urgently. Terri knew exactly what product and lender we needed to go with based on our needs and made the application process very easy for us to secure our property. I also annoyed her with calls on weekends and she was available to have a chat. We are very happy first home buyers. Thanks Terri!
No hassles and kept it stress free done a really good job
Terri was patient, supportive and extremely knowledgeable. I have already recommended her to all my friends looking to purchase property. Could not have done it with out her.
She went beyond expectation to get me the loan!
Terri has always been very helpful and ensures I get the right loan to meet my needs.
Terri is great at her job and when ever I have needed help she has always been able to advise me of the right way to go about my banking needs.
Thank you to Terri and Kelly for the advice and assistance, when we were ready to
update our cars.
We are very time poor, as full time working parents.
Terri and Kelly looked after us, finding the best dealer and lender options available to us.
Smartline have also given us great support in the past, with mortgage lender advise.
They are a excellent team committed to customer service.
Thank you to Terri and Kelly for the advice and assistance, when we were ready to
update our cars.
We are very time poor, as full time working parents.
Terri and Kelly looked after us, finding the best dealer and lender options available to us.
Smartline have also given us great support in the past, with mortgage lender advise.
They are a excellent team committed to customer service.
Terri was fantastic! As a first homebuyer I had no idea where to start with finding the right mortgage and Terri made this process easy and far less stressful. Throughout, Terri was always friendly, contactable and went above and beyond for me. She always made sure I understood the process and along with Heather always made sure I was kept up to date. I would have no hesitation recommending Terri to family and friends.
Terri was fantastic! As a first homebuyer I had no idea where to start with finding the right mortgage and Terri made this process easy and far less stressful. Throughout, Terri was always friendly, contactable and went above and beyond for me. She always made sure I understood the process and along with Heather always made sure I was kept up to date. I would have no hesitation recommending Terri to family and friends.
Terri was recommended to me through a work colleague and she did not disappoint. She knew her stuff and was able to make the process easy. We had a few small glitches and Terri was immediately able to sort them out. 5 stars.
Terri and her colleague Heather have been now and over the years super helpful: always reliable, friendly and efficient in finding the right loan for myself and my family.
We continue to recommend Smartline\'s services to our friends who are equally impressed!
Terri proved to be an excellent mortgage adviser to me. She was very patient with me and my requirements. It did take me some time to acquire a property and she \"had my back\" the whole time. I would have no hesitation in recommending Terri.
Terri was extremely knowledgeable, professional, personable and efficient and came up with a brilliant solution for us.
She kept us informed of the process at all times, assisting us with the completion of all the refinance forms.
Better guidance I could not have asked for.
I would recommend Terri to anyone.
Terri from Smartline was amazing and help me as a newly single mother with two children take on the home loan. This allowed us to stay in our family home. Terri was flexible, understanding and empathetic to all our needs and nothing was ever too hard. She has been a life saver and changed mine and children\'s lives as we move forward now. I will definitely be recommending Terri for future home loan or property investment needs.
Terri is fantastic, from the beginning of the process to the very end she is there to listen, advise and walk you through what can sometimes be a daunting experience. I strongly recommend Terri to all my friends and family.
The loan process is generally the most stressful and frustrating part of home purchasing. Terri Unwin and her associate Heather Williams were without fail a source of assistance, information and most of all patience during the process. They were responsive to me when I had questions and always kept a positive attitude no matter how frequent I called on them. Make no mistake, they represented your firm in a manner that should be commended. I can only imagine that they accomplished something quite rare in the loan process... they converted someone from a customer to a fan. In my humble opinion, they are an asset to Smartline.
I was in desperate need of help to sort out a loan for a divorce settlement and on a very short time frame. Being a single mum was limiting my options. Terri came to the rescue. She new exactly what I needed and made it happen. It was seamless and she did all the heavy lifting. I can\'t recommend her highly enough. In a very stressful situation she was a godsend.
With my husband and I being in our early 50\'s we were quite concerned about acquiring a home loan, we felt that we could certainly afford it, however we felt that banks would look at our age as a negative. Terri seemed to do her utmost to achieve the best for us, and we were successful. I would highly recommend Terri.
As always Terri has made the whole experience easy and pain free. Its been many many years that we have used Terri and her team, and she never disappoints ;-) Thank you!
Terri and her team provided a wonderful service and made it very simple to change banks
The service that Terri provided was flawless. I had a strict timeframe that I had to refinance within after a court settlement, but she had my new mortgage set up with no problems at all. She was very knowledgeable, easy to talk to, and made the whole refinancing process completely painless.
Thank you Terri, very much appreciated!
Terri was amazingly helpful in helping me secure a home loan for my first property.
It took me two years to finally find my dream home and throughout the entire process Terri has been very accommodating and patient especially with the number of pre-approval I had gone through (once every 3-6 months). She was friendly and professional and always responds promptly to my questions. I can’t thank Terri enough
The day I contacted Terri was one the best days ! Her friendly professional service and the analysis she did on our 3 mortgages was very comprehensive ! Review of my mortgages was way overdue and I am so glad I chose Smartline
After meeting with two other mortgage brokers who left us feeling as though we were just wasting their time a work colleague referred us to Terri Unwin from Smartline. We couldn\'t be happier with the service Terri provided, she was knowledgeable, honest and we really felt that she was genuinely interested in our business, this was something we did not get from previous experiences.
There were a few hiccups along the way with our financial situation but Terri assisted us every step of the way and definitely made us feel like a priority when it came to handling these problems. She was able to resolve them for us quickly and efficiently as possible so that we were able to secure our finance right away.
Terri returned all calls and emails very quickly and was able to answer any queries we had, we have absolutely no hesitation in recommending Smatline to anyone.
I liked Terri because she was not intimidating, she was kind and always contactable and was going above and beyond for us. We were buying our first home and had no clue what to do or who to contact and Terri made sure we were comfortable, knowledgeable and informed at all stages of the process. I would strongly recommend Terri to family and friends and if i required any assistance in the future i will be calling Terri.
Terri was very helpful and always available to answer any questions. Terri kept me informed and up to date with the process at all times.
Terri Unwin and her colleges gave us the best service that we could hope for.
When we need to reconsider our financial situation we will definitely give Terri a call.
If anyone were to ask us who they should call for advice in this field, we will recommend
that they contact Smartline, and Terri Unwin in particular.
Regards David and Edissa.
Terri has assisted my family and I on numerous occasions over the past 10 years. She has always gone above and beyond to ensure our needs are met and I have no hesitation in recommending her services.
Terri was very prompt and professional and kept me informed all the way through the purchase, nothing was too much trouble for her.
We love Terri. She\'s helped us secure two home loans and two home-loan top-ups, and all it cost us was a couple of glasses of wine and some double-cream brie.
Terri provides a excellent service and helped greatly in our recent mortgage adjustment. She's a trusted advisor and educator in the process and I have no problem recommending her to friends and colleagues.
Terri was fantastic through the whole process of refinancing our loan. She is very knowledgeable of the products offered and kept us informed along the way. I would have no hesitation in recommending the services of Smartline and in particular Terri Unwin.
Terri always responsive, thorough and clear and transparent in her communications. very easy to work with.
Terri has been such an incredible advisor to myself and partner Stephen. She always goes above and beyond to get the best result for us, in an expedient manner. I have recommended her to many of our friends and colleagues as I really believe she is second to none.
Terri was very patient and kind to me, knowing that anything 'finance related' is not my strong suit. I really appreciated it.
Terri has advised and helped us over many years to enable us to grow our personal wealth with investment properties, upgrading our family home and countless loans to build two new businesses. All our contacts tend to be out of normal work hours, never straight forward but nothing is too much trouble. We live interstate these days but would not think of using anyone else.
I think my only feedback would be some sort of flowchart to understand the process better from both a bank and builders side. Even though i've gone through the mortgage process twice now, going through the application process for a mortgage extension due to a build it was like nothing i had ever experienced before so found it quite confusing. At the end of it we managed to work through it and both Terri and Heather were helpful through the process.
Terri has been absolutely brilliant throughout the process for two home loans now. She was very friendly, reliable an excellent communicator and bent over backwards to help us! She helped us find home loans that we are indeed happy with. We thoroughly recommend her.
Love getting advice from Terri. Will continue to use in the future.
Terri went out of her way to assist us and to accomodate our needs and to provide advise related directly to our situation. She was friendly and professional, exactly what we needed when buying our first home. Cant thank terri enough.
We found Terri to be extremely helpful. She went beyond our expectations in helping us get a loan to suit our unique situation. Very Happy.
We've always had nothing but great service from Terri. This is the second mortgage she's helped us secure and we'd have no hesitation in calling on her expertise again in future. She's patient, creative, polite and we've always felt that she's really on our side.
Terri again provided fantastic service throughout the process. Would definitely recommend to my friends.
I found the service that Terri provided extremly easy efficient and successful. I would definately use both Terri & Smartline's services again. Regards
Sue Douglas
Terri was the best, she practically held our hands the whole way through, and with our particular situation we will at some stage need to refinance and when that time comes we wont hesitate to call Terri to help us out again. Warm Regards,
Lauren Peters.
Terri was wonderful, she totally understood what was a very difficult situation for me and assisted me every step of the way. Wonderful service.
Terri was fantastic. She came to us, recommended a fantastic product and kept us up to date throughout the whole process. I would not hesitate recommending Smartline or Terri to any of my friends or family.
We have used Terri previously when we purchased our first unit and this time for our house. Terri has always been fantastic and always willing to answer all of our questions, no matter how large or small they may be! I will be recommending Terri to everyone I know who is in the market to purchase a house!
Terri has been our adviser since October 2011 and we couldnt recommend her enough to family and friends. Not only did she make buying our first home a very simple & easy process, but she has also helped us since then! Dealing with Terri is always a pleasure and we will continue to go back to her for our future needs.
I was the first time I have ever applied for a mortgage where I thought that the person I was dealing with was actually working with my best interest in mind.
Terri is very helpful and always makes time to answer questions and do the best by you. I always recommend her to my friends.
Easy process from the beginning to the end. Will not hesitate to refer Terri's services to anyone.
Terri was fantastic, she was very helpful and available and kept us informed at all times. Our case was a tricky one and Terri worked very hard and helped us secure a great and competitive loan. I will recommend her services to all family and friends. Thanks Terri and team.
Terri was great. We wouldn't use anyone else!
Dealing with Terri and Heather made a task we thought was going to be a nightmare, into something that really was smooth sailing the whole way through. Being first home buyers we had no clue where to start, and Terri not only advised us every step of the way, but actually really looked into what would be the best option for us for our situation now and in the future. We couldnt be happier with our loan and very comfortable financial situation, and will definitely be using Terri for years to come as our situations change, and also referring her to family and friends!
We were extremely pleased to deal with Terri Unwin. My husband and I found her to be very professional, easily accessible and honest during the entire process. I have already recommended Terri to my sister Delicia de Sales who's now dealing with the former. We have also told our friends about Smartline in general and Terri Unwin in particular. Thanks Terri for the great work you've done for us with our first investment property. Regards,
Hubert & Debra D'Souza
Terri and her assistant Heather are always available, whether by phone or email and do what they promise.It takes the trauma out of worrying about loans especially when you have not the time to shop around. Anne
My husband and I were stuck in a high interest home loan paying principle payments only.With my husband being self employed we thought the process would be hard as in the past when we seek advise from other lenders we were always rejected. Terri was fantastic, she was able to help us refinance our home at a lower interest rate paying principle and interest and still saving hundreds of dollars a month. Terri walked us through the whole process and was always available to answer any of our questions. My husband and I were extremely happy with the service from Smartline and with Terri and would not hesitate to recommend smartline to anyone.
This is the 2nd time i have gone to Terri for a home loan in the past 6 years and had absolutely no hesitation when the time came to get another home loan to go to Terri. I honestly could not speak highly enough of Terri, always keeping me informed, either by phone or email, explaining everything i needed to know, her patient manner with all my phone calls and questions. She just made everything so easy for me every time and really appreciate her time and assistance. Thanks again Terri.
Terri was amazing - she had to work her magic in a very short time frame and was able to get a loan approved for me without any issues. I will definietly be recommending terri to anyone i know that requires adviser assistance.
Terri was amazing, she put my worries at ease as a first time home owner (originally from overseas). She was prompt, friendly and very imformative and made this element of our house purchase as stress-free as you can imagine.
I have already refered Terri to 2 of my friends.
Terri is good... she always find ways to get the best home loan for me.
Always available to answer questions and queries, nothing was a problem.
Terri provided exceptional service with respect to the loan process.
Terri did an outstanding job in securing a most difficult loan.We were knocked back on 3 occasions yet Terri didn't give up until the outcome was achieved.
I dealt with Heather Williams. I obtained a loan in Jun 2010 and another loan in Nov 2010 and a lot of information requested for the Nov 2010 loan was duplicate data. Also, a lot of information was requested at the last minute. My experience with the "first" loan in Jun 2010 was much better and I had dealt with Terri Unwin then
My fiance and I were very impressed with Terri's helpful and understanding approach throughout the whole process; especially when we thought we were asking silly questions. Terri explained all information very clearly which we really appreciated and she made us feel at ease which was important to us, as we were first time buyers. The whole process was made clear and simple thanks to Terri.
Terri has been great.. really helped me out over the course of my mortgage, and believe she has directed me well
great service, terri was very contactable and kept us informed of each step to the refinancing process.
My parents and i were very happy and pleased with the service Terri gave us and i have already refered Terri to a few friends of mine.
I liked the fact that Terri is approachable and I felt comfortable to ask her any question
Terri went out of her way to help us finally purchase our house. As she knows we went from one drama to the next right to the very end but the final purchase settlement period ended up running smoothly. We would like to thank her for all her assistance an
We like the fact that our SMARTLINE adviser, Terri Unwin is available 24/7 with her wealth of knowledge about home loans.
As this was our first home, Terri took the extra time to sit down and take us through all of the finer details of how the whole process works. There was never any question that she was not willing to answer and was always happy to explain things that we d
Liked not having to do anything but sign the documents. terri did everything else!
Accessibility and the amount of help received was what we liked most.
Terri Unwin is so faithful, dedicated, reliable and hardworking! She really is a asset to the Smartline team.
I sent through a survery recently for my consultant Terry Unwin but I was very busy and wrote one as the best score for service not 10. Terry was very helpful and coordinated our loan to coincide with our sons as we were purchasing his old home and I was
I was worried as our son's new home purchase depended on our loan being settled on the same day as we were buying his old home and everything went through without a hitch, yes I would use Terry Unwin again, thankyou.
Terri Unwin was very flexible around my work committments, provided me RP Data upon request to make my decision easier and assisted every step along the way from pre-approval to settlement.
I really appreciated Terri's approachable manner and felt I could ask anything.
Terry was so flexible with her appointment times as we both work shift work, She came to see us on most occassions after dinner which I know was a long way for her to travel. She also worked really hard at finding us the right product .
Terri was always available to talk to us and if she didn't know the answer to our questions she found out and got back to us promptly.
The friendly service and the out of hours appointments were always no problem!
this was my first home purchase.. and Terry was so helpful.. and informative in helping me choose the right loan.
Our consultant is an investor in the same estate as us and that helped us to understand and gain confidence with each proposal presented.
I was impressed with the personalised service provided and that our consultant did everything to suit our convenience.
The comparative presentation of the various loan options was very helpful and made the choice much easier. The alternative solutions offered when there was an issue with the first loan application also eased that situation.
Terri was extremely flexible and easy to contact. She kept me informed at every stage as to how my loan was progressing
Easy to contact
Quick response
Terri was realy friendly. We would have liked just touch more clarity.
Terri Unwin was the most helpful informative person we have met. Our previous broker was pathetic so it was a breath of fresh air dealing with Terri
I saw Terri Unwin who was very helpful and stayed in contact with me constantly advising of the current status of my loan. Would reccommend her to anyone without hesitation.
The fact that the consultant was happy to come to our home to go over details and spend as much time as we needed explaining all our questions
Terri went out of her way mot only to find the loan that suited us, but also was a big help with the paperwork making sure that we understood the information provided. Improvemnts could only be made if you where to keep intrest rates low?
Terri Unwin was profesional from the get go. She delivered ontime with a tight schedule and made a difficult situation a breeze. Smartline/terri Unwin will be getting my future investment loans!!!!!
Terri (My Consultant) is worth her weight in gold. If you refer customers to her you will be doing yourself a service. Robert Watson.
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.
