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Andrew Tonkin


Average client rating
4.8/5 From 106 Reviews

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We used Andrew to help us consolidate loans and refinance. He was super helpful, always kept us in the loop even when things took longer than expected and made the process quick and easy.

22 April 2024  


Andrew is a fantastic broker. He is thorough and offers a great service, goes above and beyond to try and get the best outcome for his clients.

10 April 2024  


We have been using Andrew for 20 years, who has always helped us with new mortgages or refinances. Very professional and easy to work with, always does the best for the customer, need help with your home you must see Andrew Tonkin. Thanks again

13 March 2024  


Andrew has been very helpful and even drove out to us with paperwork to get it filled out for the bank. Thanks allot

06 February 2024  


I Highly Recommend Andrew. No task is ever to big, always focussed on finding solutions and getting the best possible outcome. He has never said something cant be done, like I experienced with other Mortgage Brokers before Andrew. He has helped me purchase 2 properties now and I couldnt be any happier with his level of service and communication throughout the whole process.

05 February 2024  


Thankyou Andrew for making the buying of our home stress free .With your previous experience in the banking industry it certainly gave us a good advantage in arranging a great outcome , many thanks .I would be happy to use your service again if the need arises

25 January 2024  


Andrew has been looking after our Mortgages and Financial matters for over 20 years now. His priority to our needs has been paramount, he is fast, reliable and 100 trustworthy. We have referred him to anyone that asks for help in his professional field and everyone is more than happy and satisfied with his ability to sort out their mortgage matters. Would very highly recommend his services.

30 September 2023  


Great Service follow up to get loan arranged approved with Financier before Settlement

15 May 2023  


The staff at Mortgage Choice were excellent to deal with, very professional and thorough and kept us informed on how our home loan was progressing. Highly recommended Mortgage Choice and the staff.

14 May 2023  


21 February 2022  


Andrew went above and beyond in his help to me. As a first one buyer with no idea on processes, Andrew looked after me and was constantly available to answer questions. He made my experience positive and absolutely would recommend to friends.

22 December 2021  


27 September 2021  


Great service, always fast to respond to questions.
Andrew made the whole process very simple.
Thanks again

05 September 2021  


25 July 2021  


26 April 2021  


04 April 2021  


After getting myself into a bad spot over a long time, Andrew Tonkin managed to help me out consolidating all my existing loans and getting a much cheaper rate to go with it.
He was great to talk to and always able to be contacted.

04 April 2021  


Andrew has been looking after our financial needs for years now and consider him an expert in this industry. I have referred friends and family to him and he has helped them successfully with their needs every time. Certainly a true professional.

31 October 2020  


27 October 2020  



08 August 2020  


22 April 2020  


Excellent service and prompt advises from Andrew throughout the process

13 December 2019  


Excellent service and prompt advises from Andrew throughout the process

13 December 2019  


07 November 2019  


Known Andrew for at least 12 years and he has dealt with 3-4 mortgages for me, great guy and always there to assist me with blunt honesty when needed

04 October 2019  


I have dealt with andrew tonkin, for at least the last 10 years,
He has always found the best deal, and is approachable anytime, weekdays and weekends, reasonable timeframe.
I more than happy with the way Andrew conducts himself, and how he handles any questions or situation.
A +

27 August 2019  


30 May 2019  


21 May 2019  


02 May 2019  


efficient and very easy to deal with, no stress at all.

30 July 2018  


27 October 2017  


Andrew has been amazing... always helpful ... I used him about 10 years ago... then went through my bank 8 years later... n ended up searching fir Andrew again as he is so easy to deal with as It can b stressfully changing banks! I hv revcomended Andrew to anyone needing a loan or looking to see where they sit fir getting a loan! Highly reccomend him fir sure! I was very greatful that 10 years later he is still in the finance game n could help me again ????

21 July 2017  


Andrew was extremely accessible and was able to advise options available. He listened to what my requirement were and provided the best options to suit without pressure

05 April 2017  


30 March 2017  


Andrew went out of his way to make sure the process ran smoothly. He would answer any questions promptly and made us feel comfortable that it was all under control. I would definitely recommend Smartline to any potential customer.

24 March 2017  


Andrew was very supportive and helpful at all times.He helped us make the right decision by having the appropriate knowledge.He was happy to answer all our questions with patience. I would highly recommend him and look forward to his ongoing involvement.

22 March 2017  


Andrew took into account all my specific circumstances to obtain the best result. He was able to adapt quickly from preparing a pre-approval to an actual live loan application when I found a property and made an offer within days of meeting with him. Andrew kept me updated at every stage and helped me through the whole process with my first home loan. I would highly recommend him and have already passed his details onto one of my young work colleagues.

01 March 2017  


It was great that Andrew talked me through all the forms before I signed the contract.

30 January 2017  


I have used Andrew Tonkin 3 times now as my mortgage broker and have been extremely happy with his service. I would certainly recommend and have recommended him to my friends.

11 November 2016  


Andrew was helpful as usual, have utilised his services in the past. Have already recommended him to other friends looking to purchase new properties. can rely on Andrew to assist with all these matters. and he seams like a good bloke, which is more than half the battle with customer service.

06 November 2016  


08 August 2016  


My situation was dire and I needed an urgent refinance. Andrew was able to achieve the impossible and my new mortgage has solved a lot of problems. I\'d certainly recommend him for his efforts and attention to me personally. I can\'t thank him enough

13 July 2016  


14 May 2016  


Andrew was fantastic and readily available. Very patient with me through the process and followed up when required without being pushy. Last minute changes were also accommodated.

13 April 2016  


Good dealing with you again Andrew.

22 February 2016  


As a strong property investor with 10 years experience, I have found Andrew to be the most reliable, trustworthy and honest Adviser I have come across.
Andrew\'s knowledge, professionalism and industry liaisons have made all of my investment purchases, and refinances a stress free process. I have been dealing with Smartline for the past 3 years and can not speak highly enough of the support and guidance Iv\'e received.

07 January 2016  


15 September 2015  


26 May 2015  


Andrew Tonkin was fantastic to deal with. He was easy to reach and responded quickly, getting me from first meeting to settlement of a new property in 5 weeks. Andrew made the process very simple, gave advice leading to the best mortgage product and kept me informed on each and every step. Highly recommended. Great service.

20 March 2015  


04 November 2014  


Andrew was very patient and kind throughout the process. I could not save the forms he sent me in a format that I could fill in online so I had to fill them in and send them back. In the transfer of data from the forms I posted there was a mix up in several sections which made me loose faith and almost not go ahead with the loan. Andrew was able to correct things once I found time to go to his office and he corrected things but if I could have completed the forms online I think the problems could be avoided. Both times Andrew visited me at work he was 15 mins late (caught in traffic) which could have been difficult as I only have 30 mins for my lunch break. Andrew did apologise and we managed to finish quickly but punctuality is important to me.

05 September 2014  


13 August 2014  


Very helpful and friendly. Really helped that Andrew was able to come to my work, to discuss details, very convenient

11 August 2014  


19 May 2014  


Andrew has helped us out on a couple of occasions when the financial institution we were with let us down completely. He was nearly always available, and when he wasn't, it didn't take long for him to get back in contact with us. He helped us achieve our goals and improved our lives helping us secure the home we wanted. I have no hesitation in recommending him and Smartline to my workmates and friends. Thank you

19 May 2014  


as always andrew was great! it never seemed to be issuse when i rang him with questions. If he couldn't answer it he found the answer and rang me back asap. This is not the first loan organised though smartline and it will not be the last. Thank you again andrew.

12 April 2014  


17 February 2014  


I have used Andrew's services before and have referred him to several family members and they have all been very happy with the service provided.

25 November 2013  


Have worked with andrew before and we always receive professional service

20 November 2013  


30 August 2013  


15 July 2013  


15 June 2013  


Andrew Tonkin was great to deal with, when we thought there was no hope of getting the loan we needed for a new business we were wanting to buy, he managed to find a bank that would loan us the money and now we are the proud owners of our own business. Would defintaly recommend Andrew Tonkin from smartline to anyone who needs a loan and are having trouble dealing with a bank.

04 June 2013  


10 April 2013  


I can recommend Andrew to any of my friends, he has been very helpful and available to discuss or clarify any questions or problems that came up. I really appreciated his help.

04 April 2013  


In past we have found Andrew to be great, although this time round we felt un-informed, communication was very poor and the whole process was much longer than it needed to be.

12 March 2013  


Andrew and his team are very helpful and always kept us up to date with our loan.

04 March 2013  


14 February 2013  


11 January 2013  


I have called upon Andrew's services a few times now. I really appreciated the special touch when moving into my new home, a small gift and card. That was approximately 5 years ago and this has stayed with me to this day. That is why I called upon Andrew again to help with refinancing for an extension to my home. I'd like to thank Andrew for taking the worry and burden of this away from me and for the smooth transaction. I have recommended Andrew from Smartline to friends and will continue to do so. Keep up the good work.

12 November 2012  


Andrew was thorough, he explained things clearly and did not leave out any details when alerting us to the risks involved. I felt that I was well informed. I felt that I was not pressured into making a decision or sold a 'deal' so to speak. I like the way he remains contactable after the loan has gone through if needs be. I will be recommending him to friends and family.

19 October 2012  


Andrew explained this process and made it very simple for me....just how I like things! I would highly recommend Andrew to family and friends. Karen Milke

08 August 2012  


03 August 2012  


As a first home buyer I was a novice at the process and would have liked the process broken down further as I felt a lot of assumptions were made as to my level of knowledge. I also would have liked more regular communication as I didn't always get a response to my emails and was left wondering if everything was all underway. It would be great if their were first home buyer specialists dedicated to first home buyers.

13 July 2012  


05 May 2012  


30 April 2012  


As always Andrew did a great job. Keeps us informed thru the process, would recommend him
anytime,thanks again Andrew for your work, I know sometimes its not easy, and sorry for that, but you always come thru with the goods, we would rate you 10+, regard Aileen and Harry

30 April 2012  


My Smartline adviser Andrew Tonkin, when I refinanced many years ago, he found the right loan for me, now I've had to complete house renovations, he knew my top up would be a walk in the park, no hassle, kitchen is in, just got the repainting to do...wonder if Andrew is as good a painter, as he is a adviser!!

28 February 2012  


09 February 2012  


11 January 2012  



10 January 2012  


Andrew and Heidi from Smartline Thebarton branch were a great help. It was our first home so we didnt know what to expect. They made the prosess seem so easy. They were recomended to us and we will definantly be recomending them to others. Thanks again.

01 November 2011  


Andrew has been our private and business adviser for several years now and always does the right thing by us

14 July 2011  


11 July 2011  


07 July 2011  



13 June 2011  


I have previously used Andrew Tonkin & referred to many clients over the years who have also always been extremely happy with the service he provided.

19 April 2011  


05 April 2011  


02 April 2011  


Andrew was very approachable and went out of his way to meet wih me and advise me on all aspects of my loan including setting me up with bridging to allow the purchase of my home in Adelaide before selling Darwin.

27 March 2011  


Very approachable, friendly and trusting. I have recommended to some of my friends and family already. Had come highly recommended to me.

25 March 2011  


22 February 2011  


We do set Andrew some difficult tasks sometime, but always comes thru with what we require, he must think what now when he sees our phone numbers come up. Thankyou Andrew for a great job, hope you have an enjoyable xmas and new year

16 December 2010  


andrew always advised when asked, maybe advise in which bank he was choosing.

27 November 2010  


I liked that Andrew would always return my calls.

25 October 2010  


Our requirements were a bit out of the ordinary and Andrew had to put in some extra yards to achieve the outcome we needed, so generally pretty happy.

08 September 2010  


Some more detailed advice/information and explanation on the loan product would be great. We had to get most of this from the bank after paperwork had been completed.

13 July 2010  


14 April 2010  


29 March 2010  


The overall service was great - no stress from our end which helped a great deal

16 February 2010  


11 January 2010  


Andrew's fiendly positive approach enspired confidence in his ability to find the best financial outcome for us

09 December 2009  


Andrew kept us well informed as to what stage our loans were at, he worked many long hours for us. We would recomend Andrew for future work. He is still working on some files with us. Great job Andrew keep up ;the good work.

09 December 2009  


Andrew was willing to do that bit extra for me, his knowledge is fantastic and have been recomending him to others.

15 September 2009  


We liked the way Andrew never let us down through all the "ups & downs". He remained focussed, positive and professional in all matters and we do not think we could have expected anything more, he really always went "above & beyond" what was expected.

15 September 2009  


24 July 2009  

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