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Amy Germano


Average client rating
5/5 From 85 Reviews

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Knowledgeable, professional, and with us at every step of the process. Very happy with the outcome. Thanks

09 November 2023  


Amy is great. I have utilised her services twice now and she doesn't disappoint. Thorough, informative, professional, friendly and doesn't rush you.

15 October 2023  


Just a bit clunky with the bank account setup.

23 January 2023  


Amy was so helpful throughout this whole process. Her commitment to keeping me informed, supporting my decision making and helping me understand how to buy my first home was invaluable. I have already recommended Amy to a number of friends and will continue to do so!

05 December 2022  


Amy is a savior. We had purchase our land well prior to building and the banks did not want to assist us with building our dream home.
Then we are introduced by friends to Amy. Amy presented us with multiple options and with easily explained ways forward.

She is extremely knowledgeable and goes beyond anyone in her field has for us in the past. I recommend her to everyone and will be using her for all our future investments.

Thank you Amy.

29 November 2022  


28 September 2022  


27 September 2022  


Amy was amazing at her job and always happy to help whenever I have questions. Would recommend her in the future. Very happy with her service! ;)

30 June 2022  


17 June 2022  


Amy was just fantastic. Very professional and a lovely person. Would recommend Amy to anyone looking for a mortgage

02 May 2022  


Amy has helped my wife and I out so much. Prior to contacting her it looked like we would be putting the whole home on hold. She sat down with us and ensured all the paperwork was complete. Presented us with options and allowed us to proceed with our dream home. She truly is a Dream Maker Thank you Amy and Thank you Smartline.

10 April 2022  


16 February 2022  


Amy went above and beyond for us. Explained our options clearly, solved all issues that arose, and kept us informed throughout the process. We are very grateful for her expertise and professionalism.

31 December 2021  


We have dealt with Amy twice now, first when we were first home buyers and now to remortgage. Both experiences have been absolutely great and Amy really does go above and beyond. Thank you for everything Amy, we look forward to continuing to work with you in the future :)

30 December 2021  


20 December 2021  


Answered all our questions, provided us with as much information as we needed. After all was said and done we felt really good about our decision.

12 December 2021  


I would recommend Amy to friends. Amy was very helpful and went beyond the service that I expected. Thank you Amy

21 November 2021  


Amy was exceptional throughout the process of getting me a home loan. There were many hurdles and setbacks, no fault of Amy or Smartline, with securing the loan. Amy showed great professionalism and kept me informed every step of the way. Highly recommended.

11 November 2021  


Amy Germano is friendly, helpful and knowledgable. She went above and beyond throughout the whole process for me, during a very difficult time in the world of finance and building. The amount of time and effort she put into helping me secure my loan was, I am certain, far above what a normal application would require. I will be forever grateful to her for her assistance.

18 October 2021  


Amy was so lovely to deal with, very professional and put my mind at ease. Highly recommend her to all family and friends.

15 September 2021  


AMY was the best person ever and really helped us though all steps of our morgage. From getting into the market to changing morgages

05 September 2021  


05 September 2021  


Amy Germano is such a brilliant asset to your company. She had helped us for the last 12 years, with a few different loans for houses. The most recent loan that Amy helped us obtain was the most involved, and she kept exploring various banks and options. Whenever I phoned Amy, you could hear that she had a smile on her face, and nothing was too much trouble. So professional, so lovely and I have recommended Amy countless times to friends. Thanks Amy for all the hours you have put in, you went above and beyond every time.!!!

01 August 2021  


My wife and I were both blown away by the service we received from Amy. The whole process of applying for a home loan can be overwhelming but Amy put us at ease from day one. Amy helped us get our own home and we are will always be grateful for that

05 July 2021  


15 June 2021  


23 April 2021  


Thank you so much Amy, for all your hard work and advice.
As a client, I've never worked with a professional that has always been as contactable as yourself.
(I do apologise for emailing on weekends)
Thank you again.
12 out of 10.

06 April 2021  


Amy Germano was my adviser. She was incredible, kept me in the loop at all time and went over and above. I had full confidence and would highly recommend her service.
Thanks Amy!

07 March 2021  


Our financial advisor Amy was such a pleasure to work with, she made the whole process easy, and after having delays from the banks she helped push through everything as fast as possible. We will definitely recommend Amy. It was a pleasure.

01 March 2021  


Amy is amazing! Felt like she went above and beyond for us. I honestly would not be sitting on my dream house right now if it weren’t for all her incredible efforts! Smart, friendly and fun! She made a stressful massive life moment a joy! Cannot recommend her enough! Thank you so much Amy!

19 February 2021  


Amy is absolutely amazing! Felt like she constantly went above and beyond! Honestly would not be sitting in my dream house right now if it wasn’t for all her incredibly hard work! Polite friendly and fun! Cannot recommend enough!! K Adamson

19 February 2021  


We cant thank Amy Geramo enough nothing was to hard for her very professional made herself contacable after hours and was always happy with a smile on face if we ever refinance we will definitely be looking Amy up

17 February 2021  


Incredible service, very professional and attentive

28 January 2021  


Amy was fantastic to deal with. On top at every stage,very efficient!

28 January 2021  


Amy Germano was awesome to deal with as a mortgage broker yet again.She has represented us before and we would definitely recommend Amy to anyone looking for a mortgage broker in the future. Thanks again Amy settlement went through nicely.

11 January 2021  


Concidering we sold and bought during COVID Our process with Amy was awesome.. she exceeded our expectations and was friendly , professional and helped us with many variations that we sent her way.

14 December 2020  


Kate has been a pleasure to work with thus far. She has been always contactable and actions any tasks that need to be completed in a timely manner.

30 November 2020  


06 November 2020  


Amy made the entire process so easy, the stress of purchasing a home was so much less thanks to Amy's efforts and I couldn't recommend her enough

28 October 2020  


Amy is great! Super knowledgeable and friendly. Gave me loads of options and helped me decide which loan would be best for me in my situation, was able to tailor things to me and my needs. Always at the end of the phone whenever I needed advice.

06 October 2020  


Amy is always very productive and informative and helpful on every part of the loan processing. Amy always updated me all the way through . I have had dealings with amy a few time and have always recommend her to all my friends and colleagues. I l

30 September 2020  


Kate was great. Very helpful, great contact throughout the process. Friendly, presented herself very well. Would highly recommend!

08 September 2020  


Amy from Smartline Madora Bay was absolutely awesome! Would highly recommend without hesitation.

05 September 2020  


We recently refinanced our mortgage and contacted Amy Germano from Smartline Mortgages. Amy is professional , highly motivated to find the best deal for you and is an absolute pleasure. If you are looking for someone to make a stressful process way less stressful call Amy at Smartline. We cant recommend
Amy more highly.
Simon & Dian

02 September 2020  


Amy is fantastic! She made the entire loan process easy and simple from start to finish. I thoroughly recommend Amy to anyone considering a home loan.

17 August 2020  


We have utilised Amy on three occasions and cannot recommend her more highly for any mortgage needs.

04 June 2020  


Amy was once again an excellent help in the procurement of my house. The whole process ran smoothly and was updated along the way while working FIFO. Would recommend Amy to anyone looking to buy or refinance!

19 March 2020  


20 January 2020  


Amy was great, my loan wasn't as straight forward as most i would assume and Amy didn't give up fighting and with giving me my options and ways to get the loan. i really appreciate all of her help with helping me obtain my first home loan. Thanks Amy.

09 October 2019  


Amy was efficient with the information and choices she presented to us. Her guidance was invaluable. Only improvement I would recommend is that a text or phone call be made when documents are emailed out. Not everyone lives on their email!
I would use Smartline again if need be. Regards and thanks.

30 July 2019  


Amy is extremely helpful throughout the process. Amy sorted everything out for me, so all I had to do was send through my documentation then sign. An easy process, and I will continue using Amy throughout my loan term. I have recommended her to friends and family, and will continue to do so.

13 July 2019  


15 December 2018  


One of the most helpful and kind person I've ever met helped me and my partner through the process of buying our first home. Happily answered our many questions and realy helped us.

30 November 2018  


26 November 2018  


Reliable and friendly with years of experience in banking and mortgage brokering with so much knowledge of the local area that has really helped my clients and I. Highly recommended.

08 November 2018  


Fantastic customer service and easy process for refinancing.

09 October 2018  


28 August 2018  



Amy is professional & knowledgeable, and made the whole process smooth. Would highly recommend her services.

15 August 2018  


It was a pleasure dealing with Amy. Very Friendly and proffessional.

27 July 2018  


21 May 2018  


Amy came out as a friendly, knowledgeable and reliable broker.
She was very organised, explained everything thoroughly and always available to answer any queries we had throughout the home loan process. We wouldn't hesitate to recommend Amy/Smartline to others.

09 April 2018  


Amy came out as a friendly, knowledgeable and reliable broker.
She was very organised, explained everything thoroughly and always available to answer any queries we had throughout the home loan process. We wouldn't hesitate to recommend Amy/Smartline to others.

08 April 2018  


15 March 2018  


01 March 2018  


Kate was extremely professional and always available when I needed advice. It was a sensitive situation and Kate was the consummate professional in every way. I would highly recommend Kate to anyone seeking a broker.

24 April 2017  


My wife Vicki and I have used Amy Germano previously and sought her out this time as well. Highly recommend Amy and Smartline.
Thank you
Travis Barkla

24 March 2017  


19 March 2017  


14 September 2016  


Amy went above and beyond to ensure our needs were met, and that we were given the best product to suit our current situation. She made the whole process feel very simple and was so knowledgeable about the products that we felt completely at ease leaving our case in her hands

01 August 2016  


Amy was fantastic, fast efficient and friendly. Ensured everything went as smoothly as possible, she was flexible and patient. Any even came to us when we couldn\'t make it to her and even my children adored her.

11 May 2016  


Kate was extremely patient with both Mark and Myself,we asked so many questions as we don\'t understand most of bank terms and how it all works.Kate went that extra mile with assisting us how to get the correct documents etc. very professional young lady.
Thanks to Kate we are saving more than we thought. Regards Mark and Michelle dewick

02 May 2016  


Amy worked tirelessly arranging finance for our new home. She got us a great deal and was very thorough and efficient with all the paper work. I would highly recommend Amy to anyone who is needing to finance their next property purchase.

22 March 2016  


Couldn\'t be a better service from Amy. Absolutely perfect.

02 March 2016  


Kate was so efficient and provided exceptional service. Nothing was too much trouble and she followed through on everything. I have already recommended Kate to my friends.

28 February 2016  


Tak this time to thank Amy for giving her most effort to assit me and my Family to buy a new house. As a result everything worked out really well since i am a FIFO worker and was hard sorting all paper works. As a result she made a lot of effort and we manage to move in to our new house early and timely. Thanks a lot Amy and Smartline.

14 August 2015  


31 July 2015  


15 May 2015  


Just one call is how it started and we were on our way, we cannot speak highly enough about Amy Germano on her advice personally and her dedication to work hard and find the best outcome. GOOD ON YOU AMY!. If we had to do this again , it would be Smart Line. Kind regards. Frank La Penna & Rodney Spargo.

02 May 2015  


Amy was amazing. She made the process of buying our first home so easy and kept us informed every step of the way. Couldn't have been happier.

30 November 2014  


Brilliant service from Amy and the team at Smartline Mandurah

03 June 2014  


Amy and all the other staff that contacted us were particularly professional and attentive and the whole process was made seamless with their help. I would highly recommend them.

06 April 2014  


04 April 2014  


The service we received from Mortgage Gallery was fantastic! Amy was very professional, always available to give advice when needed, and made recommendations. She was a pleasure to work with!

03 January 2014  


24 October 2013  


Amy has been great not just with the approval of my latest housing loan but throughout the past keeping in touch and making sure im happy with my current loan. Working away it makes things hard for myself to try and coordinate all that is required to complete the loan process. Amy had made my life easier sorting this all out for me and just a matter of coming in and going over everything and signing the documents. Very organised and great to deal with and I will continue to use Amy in the future. Thankyou

28 April 2013  

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