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Pene McIntyre


Average client rating
4.9/5 From 187 Reviews

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Would 100% recommend pene to anyone needing a broker, she went above and beyond to help a couple clueless first home buyers make a purchase with minimal stress and kept us well informed throughout the whole process, any questions we had pene was quick to answer with great knowledge whether it was during business hours, after hours or even on the odd public holliday. Couldn’t recommend anyone more!

25 April 2023  


Pene's service exceeded our expectations. She was always available to answer questions, even outside of business hours. From start to finish, Pene made the whole process very easy.

10 April 2023  


09 April 2023  


Pene was fantastic in helping me understand my obligations and understanding the layout of the loan and what options I had.

03 April 2023  


Pene was extremely helpful and supportive through the whole process. She was very flexible and accommodating with contacting her to complete required documents. Pene went above and beyond to meet short and sudden settlement requirements on my apartment. Thank you for the fast turn around of my home loan.

29 March 2023  


21 February 2023  


Lauren was easily contactable and very responsive to our needs. A great experience, thanks so much Lauren.

31 January 2023  


Penny and Lauren are really helpful throughout the process of our home loan. Excellent service??Thank you Lauren and Penny for helping us to have our 1st home.

28 January 2023  


I have used Smartline Wangartta for a number of transactions over the past few years including recommending my son to use them first purchase and sale of his first home. Lauren is always efficient, throughough and reliable in recommending products and responding to email enquiries.

18 January 2023  


17 January 2023  


Lauren was brilliant to work with. She was kind and understanding, and helped me with any and all questions I had. She provided wonderful guidance for me as a first home buyer and was extremely helpful overall.

16 January 2023  


Pene was amazing and everything was completed in a timely manner. I would highly recommend Pene for anyone's financing needs.

02 January 2023  


Pene was amazing through every step of my mortgage. She was approachable and answered any questions that I had. Highly recommend her services to anyone.

28 December 2022  


Lauren was very supportive and worked with me and our conveyancers to ensure we all had the correct information. Lauren also made sure that everyone was kept in the loop, making things easier and making sure things went smoothly.

23 December 2022  


My adviser makes the whole process such a breeze, very informative and always finds the best deal for the situation. Would highly recommend

15 December 2022  


Lauren was prompt, thorough and professional! She provided us with as much information we needed and more and was absolutely amazing to deal with! A happy voice on the end of the phone always makes the whole process very pleasant!

26 November 2022  


Thank you Pene, you have made the loan process a lot easier for us. Very professional and personable service.

13 November 2022  


Pene was fantastic throughout the whole process of selling my existing property and refinancing my new property

02 November 2022  


Lauren was fantastic for us, she was extremely helpful throughout the whole process!

02 November 2022  


Lauren was extremely helpful in answering all our questions. She was available to us when ever we needed. I would recommend her services to anyone.

24 October 2022  


Would not go through this process without the help of Pene. She has been absolutely amazing everytime!

28 September 2022  


Pene and the team were utterly professional, readily contactable, and in my opinion went above and beyond for my application. I wouldn’t go anywhere else.

04 September 2022  


I highly recommend Pene to anyone looking to buy a home. Pene has a welcoming and transparent demeanour that lets you be honest and open about what you want. Her responsiveness is thorough, quick and any issues are followed up quickly. I wish I had more money to buy more properties so I could work with her again sooner!

22 August 2022  


13 August 2022  


Pene ticks all the boxes and I would recommend her time and time again.. Reliable, responsive, best rates, easy to deal with and ultimately just a kind good person.

07 August 2022  


Penny did an awesome job always available friendly highly recommend thank you penny

04 August 2022  


They were excellent to deal with and made the loan process easier

31 July 2022  


27 July 2022  


The process was very slow. I was repeatedly asked to keep providing more information. Was given pre approval but the process was still so slow and delayed our building process.

16 July 2022  


Pene and her team were always keeping me up to date with the progress of my loan and settlement and went above and beyond to making the process very easy and streamlined. Definitely recommend to family and friends.

11 July 2022  


11 July 2022  


05 July 2022  


Great Service! Thanks again

04 July 2022  


Lauren was amazing!! She was efficient throughout all the stages of the finance process right up until settlement. It make the experience for us easy and stress free. We would not have been able to purchase our investment property if we were left to do the process ourselves. Thank you Lauren for everything you did.

18 June 2022  


Thankyou for such a wonderful service..We were completely satisfied and that it went above and beyond our expectations..Thankyou very much!

11 June 2022  


Highly recommend Lauren and Pene at Smartline! We had a fantastic experience with them.

09 June 2022  


A huge thankyou to Lauren and Pene at Smartline who helped us to purchase our first home. Your hard work and advice throughout the process was invaluable, thankyou!

06 June 2022  


05 June 2022  


30 May 2022  


Lauren was so wonderful to work with and so quick to respond. I would highly recommend her to others.

28 May 2022  


I felt respected and listened to with clear explanations given to me. My preference of banks was respected also. Lauren is a clear communicator and was readily available for contact.

19 May 2022  


Pene went above and beyond in assisting me with my refinance and new purchase loans, from start to finish. With a few hiccups thrown our way, Pene was tireless in her work and ensuring everything went as smoothly as possible. Thanks for everything Pene!

10 May 2022  


Lauren held my hand every step of the way. Nothing was too much trouble. We felt very well informed and supported. Can't wait to invite her over to see our place when we finish the renovations.

30 April 2022  


Lauren at Smartline was absolutely amazing and was such a big help in securing a house loan. Great with communication, replying and working efficiently until the end.

26 April 2022  


13 April 2022  


11 April 2022  


27 March 2022  


Great service, always ready to answer any questions, very approachable and made everything easy.

16 March 2022  


Pene & Lauren where excellent to work with, as a first home buyer they explained every step along the way, they where available at the drop of a hat. They made the experience of buying my first home stress free! Highly recommended!!

10 March 2022  


Pene and Lauren were exceptional throughout the entire process and made my life easier. I could not be happier

09 March 2022  


I cannot thank Pene enough for all of her advice and help throughout the purchase of my first home. Pene was fantastic through the whole process and so lovely to deal with. Pene helped me and took so much stress out of the whole process with her advice and keeping me informed throughout the whole process. To anyone looking for help on buying their first home I can honestly say Pene is fantastic and provides the best advice/support. Thankyou again

06 March 2022  


Pene made buying our first home a stress free experience, and always ready to answer any questions we had. We cannot recommend Penne from smartline enough!

25 January 2022  


My advisor was awesome- nothing was ever a problem and she dealt with everything in a friendly and professional way.

She was always very prompt with replying to any questions I had.
I was very happy with the service provided

24 January 2022  


24 January 2022  


Most impressed with the way Pene communicated with me during the whole loan and settlement process.Nothing was too much trouble.Definitely recommend

22 January 2022  


Great help. No complaints.

18 January 2022  


Pene McIntyre is amazing. She listens, does her magic and makes my wishes come true. I wouldn't be where I am with my properties if I didn't have Pene. She is a lovely person and is amazing at her job.

17 January 2022  


I had a great experience with Smart Line (Pene McIntyre), she was very helpful and professional.

06 January 2022  


Pene has been AMAZING :)

05 January 2022  


28 December 2021  


Pene went above and beyond to make me feel comfortable in choosing loans and kept me up to date with everything going on. For my first loan it was a bit stressful but Pene made me feel comfortable.

27 December 2021  


Amazing service! Would highly recommend.

14 December 2021  


Lauren was so lovely and helpful! She answered all our questions, never made us feel silly and was so prompt with everything. Would highly recommend to all!

14 December 2021  


Pene was amazing!
We now have the home of our dreams thanks to Pene.

07 December 2021  


22 November 2021  


Lauren was so helpful and friendly, very easy to talk to and made us feel comfortable and wanted as a customer.

13 November 2021  


12 November 2021  


I've been really impressed with Pene's attention to detail, her knowledge of mortgage products and assistance with this matter. Smartline was recommended to me by my friend Belinda Dunbar following her excellent experience and I won't hesitate to do the same. Many thanks.

11 November 2021  


06 November 2021  


Pene always comes through with the goods.

28 October 2021  


Pene is amazing to deal with, she explained everything in a way we understood. She was always available when we had questions. Pene took away all the stress of applying for a home loan and for that we are really thankful. We have already recommended her to other people. She is amazing!

15 October 2021  


Pene was my advisor an I believe she went beyond call to make it all work for us , would definitely recommend Pene to anybody looking for assistance

30 September 2021  


17 September 2021  


Pene was outstanding helping me purchase my first property. She truly understood my needs as a person and worked with that to obtain the most appropriate loan. I highly recommend using her for her honesty, down to earth nature and efficiency. I am looking forward to using her again next time I buy a property.

14 September 2021  


05 September 2021  


31 August 2021  


Pene was absolutely incredible for us.
We pretty sheepishly set up an appointment to go and see her on the back of a recommendation from a friend.
We had no idea how far off we were from being able to purchase a home but Pene broke everything down for us, got our bums into gear and made every step along the way super simple. Even when little hiccups popped up from time to time. Could not recommend her highly enough!

31 August 2021  


Lauren was absolutely the right person we needed to get the loan we required. Lauren is a consummate professional with everything that needed to be done to help us achieve our goal, without her we would definitely not have secured the loan we needed and subsequently the business we bought. I would highly recommend her every time

18 August 2021  


17 August 2021  


11 August 2021  


A stressful process with lots of complexities around our businesses and they were amazing!

07 August 2021  


Great customer service very friendly and helpful. So much easier to deal with than banks and lenders.
Could not recommend Penny and Lauren strongly enough to anyone. Thanks so much.

28 July 2021  


26 July 2021  


21 July 2021  


Lauren Heddle from Wangaratta . , was very Professional in our experience with smartline … Always answer any question , prompt , rang back Promptly… couldnt ask for a better Advisor to our needs … ???

19 July 2021  


Lauren at smartline wangaratta , awesome to deal with

06 July 2021  


I have had the most easy pleasant dealings with Lauren from smartline in Wangaratta Lauren in my opinion deserves all the best accolades that you can possible instore upon one individual, Smartline you should be very proud of this young lady ,

06 July 2021  


Fantastic service and very efficient

29 June 2021  


Pene is an expert in her field. She got the right product at the right time to suit my needs. No hesitation in recommending or using her services again.

21 June 2021  


My experience with smart line was a breeze, my adviser done everything she could to make things easier on my end, making it a very pain free experience. Strongly recommend and will be using smart line again in the future

18 June 2021  


14 June 2021  


Pene McIntyre has been amazing throughout my long process of purchasing a home.
Very professional and I am very happy to recommend her to friends and family.
Thank you so much for all of your help and patience.

05 June 2021  


02 June 2021  


Very easy stress free process. Great to deal with. Listened to needs and great options were offered

04 May 2021  


Pene is so down to earth and great to communicate with regarding financial needs and nothing is too hard for her. I feel confident in recommending her to family and friends as she makes a sometimes daunting process so easy!

28 April 2021  


Pene and Lauren were sensational in looking after us and giving us great advice and service with our new loan. They kept us updated throughout the entire process. Could not recommend highly enough :-)

26 April 2021  


We are new first home and land owners so knew nothing of the process Pene was amazing, she worked so hard in such a busy time. Pene kept us informed all the time and I was able to get in touch with her extremely easily

23 April 2021  


20 April 2021  


Would highly recommend Pene, she has been amazing throughout the whole process, especially when I’ve had absolutely no idea what I was doing

13 April 2021  


Pene goes above and beyond. She values being a local, and working with local people to provide the best information for financial decision making. She takes the time to understand her clients needs and situation. She genuinely cares.

22 March 2021  


17 March 2021  


I would not have wanted to go through the process of building my first home with any one else. Pene made sure I understood everything and she was always quick to reply when I needed help. I will be recommended Pene to everyone.

01 March 2021  


Smartline Adviser Pene was brilliant & efficient throughout the whole process. I have already recommended her to others & will continue to. It was obvious that she has a passion for her field as well as being highly skilled & knowledgeable.

24 February 2021  


Pene was amazing to deal with, securing me with a new loan and getting me a better deal with the previous interest rate. Her around the clock availability was very helpful and reassuring. I would highly recommend Pene, she’s amazing at what she does.

15 February 2021  


02 February 2021  


30 January 2021  


09 January 2021  


29 December 2020  


Pene was incredible. She was positive, calming and supportive throughout the experience. She was knowledgeable about everything she suggested, and explained everything very clearly. Would recommend her in an instant to anyone needing a broker.

22 December 2020  


Penne was fantastic to deal with, she organised everything and always kept us up to date on what was happening. Penne made the whole process stress free.

06 December 2020  


25 November 2020  


Excellent, very helpfull and patient, guiding me to understand each step that needed to be taken, and keeping me updated on any changes that occurred.

04 November 2020  


Penny has been amazing! No question was ever an issue, always readily available to answer any questions I had. Would highly recommend

26 October 2020  


23 October 2020  


13 October 2020  


Pene was so lovely from the first visit. We felt comfortable and trusted her to do her job. She supported us through some anxiety provoking bumps with warmth and humour. We would highly recommend Pene and the team at Smartline.

06 October 2020  


My Adviser (Pene) was so reassuring around what could be achieved in terms of financing a loan with my savings and income. She made the process so easy and has continued to support me with queries post settlement. THANK YOU!!

05 October 2020  


01 October 2020  


We would have been lost without Pene. She helped us to secure our block of land and turn our dreams into reality and I truly don’t know how we would have got through the process without her guidance.

29 September 2020  


I had no idea what I was getting into when I decided to build my first home but Pene made it so easy and helped through the entire process. She was always very easy to reach and answered any questions I had. I would recommend Pene to everyone

18 September 2020  


10 September 2020  


05 September 2020  


Fantastic Service

30 August 2020  


Pene was fantastic, she went above and beyond for us to get our first home! We couldn’t me more happy!

24 August 2020  


Pene was amazing she helped me through the whole process from start to finish and was always there to answer any questions I had can’t recommend her highly enough

13 August 2020  


great to work with

02 August 2020  


Pene was absolutely fantastic! She explained every part of the process and made it very easy. I have and will continue to recommend Pene at any chance I get.

28 July 2020  



17 July 2020  



17 July 2020  


Pene was fantastic to use as my Mortgage broker. As someone who was unfamiliar with the loan process at the start she broke everything down and negotiated a fantastic loan term deal for me. Would happily recommend her to anyone.

10 July 2020  


04 July 2020  


Our smart line adviser was extremely helpful, always kept us up to date with our loan process, and was extremely knowledgeable with the finance system. She made the whole process totally stress free for us.
Would highly recommend to anyone.

18 June 2020  


Pene was excellent to deal with. She arranged our lending with ease and with great communication. I would highly recommend her to all my family and friends.

20 May 2020  


Pene is great to deal with and I would highly recommend her to anyone

23 April 2020  


All great people to deal with and very helpful

21 April 2020  


Pene is approachable, efficient and knowledgeable. We would recommend her to anyone!

12 April 2020  


Pene made our experience of getting our first ever home so easy for us ,she was brilliant at her job,always there when we needed to ask any questions

09 April 2020  


My husband and I have utilised Smartline on several occasions now and have not been disappointed. Our local adviser Pene McIntyre always provides exceptional service! Great communication, a range of options and recommendations that meet our needs.

09 April 2020  


08 April 2020  


Pene was amazing! Definitely helped us work out what products suited our needs best especially since we were building in what was classified as a farming zone! Would highly recommend.

08 April 2020  


Very prompt and smooth experience. After trying to access person loan on my own I finally came to my senses and sought advise from the broker who assisted with out home loan - from the fist contact with my broker I was approved for the loan and received funds within a week.
Fantastic and stress-free experience.

13 February 2020  


08 February 2020  


Pene was a fantastic, helping me through a stressful time

07 February 2020  


Pene was awesome, really helpful which made the process stress-free

31 January 2020  


20 January 2020  


24 November 2019  


Pene was amazing, did a really great job at involving us in everything that was happening and kept us up to date.

30 October 2019  


Pene is amazing, she had the answer to every question we had and organised our loan in record time. Nothing was too much hassle. Highly recommend!!

24 September 2019  


Really enjoyed our experience, always could get in contact and easy to communicate with. Thank you for everything.

10 September 2019  


Pene was terrific, she is always very helpful and makes the process enjoyable

09 September 2019  


Friendly and flexibly support, always happy to meet out of work hours when needed which was fantastic because we work long hours.

28 August 2019  


I loved working with Penne. She was very patient and made things really easy

21 August 2019  


Pene was amazing! She was upfront honest and ensured we knew what options we had available. She guided us through the whole process and made it easy. We were both hesitant because we have had such bad experiences with other brokers in the past. We knew lending this time would be more difficult since banking reforms but Pene knew which banks would be most suited for the type of property we were purchasing! I would highly recommend!

02 August 2019  


21 July 2019  


From the moment I called Pene in a stressed out state, she put my mind at ease and handled the entire stressful process with such calm and expertise.
I would recommend Pene to any friend or family member.

11 July 2019  


If I could give 10 Stars I would

29 June 2019  


Couldn't be happier with Pene's service, she's been with us from start to finish, she helped us to know and understand how a home loan would affect our budget, she gave us advice on how to approach many different aspects of buying our first home. This was particularly important as we didn't know a lot about the whole process. She's been extremely friendly and reachable despite there being many public holidays and weekends where we were looking for advice, she was always available. We cant thank her enough.

Kind regards,

Michael Febvre

27 June 2019  


No problem or situation has ever been too much trouble for Pene.She always handled our interactions professionally and kept me abreast of my situation throughout refinancing to another loan provider, even when I changed my mind a few times.
She was patient, courteous and very friendly.
I would have no hesitation in highly recommending Pene to my family and friends

21 June 2019  


Extremely happy with service. Could contact anytime and got the intended outcome.

17 June 2019  


14 June 2019  


penne was amazing with the hole ordeal and helped me through the whole prosess

13 May 2019  



03 May 2019  


Pene was reliable and provided all of the useful information to inform my decisions regarding my mortgage. She was happy to answer any questions and was quick to provide new calculations or information if I requested it. Everything was explained clearly.
She made the effort to understand my personal situation and needs so that we could work together to choose the best option. Highly recommended!

04 January 2019  


Our broker (Pene McIntyre) has done an amazing job on our requirements to refinance and so far had helped a lot with our complex scenario of getting loan for subdivision and construction.
She has extensive knowledge on the market and rules. She knows great lenders with competitive rates.
We would recommend this company to anyone for sure.
Thanks Pene :)

01 November 2018  


Pene goes way beyond what would be expected in regards to customer service, communication and knowledge of products. We would have no hesitation in recommending Pene to any of our acquaintances.

10 September 2018  


We’ve been recommending Pene to all our friends, she goes above and beyond, always contactable, professional, and friendly.
I’ve never had such a pleasant and seamless mortgage. 10.5 out of 10

06 September 2018  


Pene goes above and beyond, I highly recommend her to anyone who needs a loan or has one all ready.

05 September 2018  


07 August 2018  


Pene has been wonderful for me. She was able to make me understand the predicament I’d gotten myself into and she worked very hard for me to be able to achieve a result that I thought was only a dream.
I really felt that she was wholeheartedly 100% behind me!
She’s not just my mortgage broker she is now my friend.

08 July 2018  


Pene was extremely helpful and informative. I was very pleased with the deal she was able to obtain

22 April 2018  


14 April 2018  


06 March 2018  


10 February 2018  


02 January 2018  


14 December 2017  


Pene has been great going over and above to get us across the line. I would highly recommend her to anyone

22 November 2017  


That we are offered follow up audit of new loan in a year.

09 August 2017  


21 April 2017  


Pene was fantastic with our loan application process and kept us up to date at all times.
Pene has become a friend of ours and we hope to hear from her soon.
Will recommend other clients to Smartline as needed.
Randall and Dana Scott

09 March 2017  


Great service from advise however feeling very let down on communication once loan had all gone through. Still waiting to get online access details so that I can access my redraw facility. An email rather than snail mail for this would have been a better option.

08 March 2017  


Can\'t recommend Smartline Personal Advisors Wangaratta enough. We have been helped twice now by Smartline when the banks wouldn\'t - even when we\'d been with the one bank for many many years!
Pene was fantastic & helped us out enormously! In fact, we just provided a few basic details & she did the rest!
We will NEVER go through the banks again for a loan & we are more than happy to recommend Smartline Personal Advisors to our friends & family.
Thanks again Pene & team!

09 December 2016  


Pene has been nothing short of amazing. We were thrown a few strange situations and Pene was able to decipher some confusing conditions to provide us with the best outcome.
Pene continues to deliver us the best possible client service as the progress payments unfold to our builder. She hasn\'t dropped the ball just because the loan is now in our account. She has been thorough and unwavering in making sure our dream home becomes a reality. And we are so very grateful.

27 October 2016  


Pene very professional throughout our whole process and she went above and beyond in every way she possibly could. I will defiantly be highly recommending her services and will certainly be using her again in the future.

25 October 2016  


Pene was an absolute pleasure to work with, she made everything simple and easy for us.

22 October 2016  


Im self employed and had trouble with my long term bank agreeing to a loan increase. After a 2 month struggle with my bank, i was giving the phone number of Pene McIntyre who i cant thank enough as she made the whole experience stress free and quick as she was able to get me approved from another bank and have my money within 2 weeks. My only regret is that i hadn\'t gone to her in the first place! I will be using smart-line ( Pene McIntyre) in the future and highly recommend.

10 October 2016  


Mick, was great, helped us out a lot, very knowledgeable and was quick to get back to us

23 September 2016  


Pene has been fantastic in every way! We look forward to working with her again.

24 August 2016  

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