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Sandra Dennis


Average client rating
4.9/5 From 100 Reviews

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16 February 2023  


Michael was excellent as always , he knows his job

13 September 2022  


08 September 2022  


15 June 2022  


19 May 2022  


Sandra and Michael are simply BRILLIANT. No question is ever too much. Both are professional, knowledgable and went above and beyond to make sure we were able to get the best home loan on the market. Could not have asked for better Mortgage Brokers. Thank you.

10 May 2022  


04 May 2022  


Sandra was patient, supportive and professional. It took me over a year to find a property that suited my needs and Sandra was on top of things the whole way through, making sure my pre approval never lapsed and recommending a new lender when a better rate came along. 100% recommend Sandra to help you with your mortgage.

17 April 2022  


great help dealing with a difficult lender thanks

31 January 2022  


Sandra continues to exceed all expectations and I wouldn't consider going to anyone else. She kept me sane during a property purchase from a less-than-awesome real estate agent (and during lockdown!) and kept everything moving smoothly on our end. Couldn't be happier.

20 January 2022  


Sandra and Dennis did a fantastic job to assist in the purchase of my investment property. Sandra and Dennis always communicated with me in a way i understood throughout the whole process. They made sure that the whole process went smoothly right up untill the very second keeping me updated until settlement. They have been amazing and i would be happy to refer them to anyone with home loan needs. Thankyou very much

11 September 2021  


My adviser is always very helpful and always in contact .
Recommend them very highly.
Fantastic people

08 August 2021  


Considering we where in the middle of lockdown and other covid restrictions Michael did a fantastic job communicating and getting my loan across the line. Definitely will use Michael again and have recommended him to many friends and family already.

13 July 2021  


Michael and Sandra went out of their way to get me a loan for me just starting a new business it was not easy but they made it happen

07 June 2021  


03 June 2021  


Amazing service by the Smartline team. Keep up the good work.
Thankyou so much for all your help.

04 February 2021  


Sandra was great. Understanding patient and helpful

03 January 2021  


Micheal Dennis had to fight tooth and nail for our new loan.
I have dealt with Michael for 20 plus years and would use no one else
shame the Bank we are dealing with dont do the same
Thanks Michael

14 October 2020  


Sandra was great. Answered all our questions and advised of the best loan to suit our needs.

02 September 2020  


I appreciate all the support and advice I got all the way through the process. Sandra Dennis was very patient and helpful.

12 July 2020  


This husband & wife team have been in the business a long time and it shows in their professionalism and their accessibility. Now is the time to start looking for property bargains. Let Sandra & Michael show you how.

13 May 2020  


There were a lot of ups and downs in the process of securing a loan and then finalising the purchase and Michael was diligent in keeping pressure on the bank as needed to make it happen as quickly as possible.

23 March 2020  


The service given by Sandra & Michael Dennis at smart line is second to none.
Highly recommend

02 March 2020  


01 November 2019  


Sandra and Michael Dennis once again went over and above what a broker would normally do. They were very quick to go into bat for me every time we came across a road block. Many thanks Peter

16 September 2019  


I will always head back to Sandra Dennis as between her and husband Michael they have been supporting me with all my loan requirements for over 18 years and some in very critical circumstances. Sandra is so thorough and so knowledgable it would be near impossible to note any areas of improvement needed.

04 September 2019  


This is the 3rd time we have used Sandra and Michael Dennis for finance for properties. They both have so much knowledge and the ability to navigate through the red tape that the banks have now got. They are available 24/7 to answer any questions and are always able to help. Their knowledge of the different banks and there criteria is very impressive and they both bring different skill sets to the table. 100% satisfied again.....

17 May 2019  


Extremely responsive. Turnaround times for enquiries and information very fast. always had confidence I was receiving the best deal possible. Took the work away from having to navigate through the various lenders arduous processes.

25 March 2019  


Great service as always from Sandra and Michael. They did so much work to get us through the process with the banks being difficult they went into batt for us to get it sorted Everytime. Can't thank them enough.

16 March 2019  


03 January 2019  


15 December 2018  


Could not fault in any way the efficient service provided by Michael and Sandra.

15 August 2018  


25 May 2018  


17 January 2018  


14 November 2017  


my old bank caused dramas which i had to involve the banking ombudsman, michael helped with this and was amazing all the way through the process, i have used him for work a few times and will again

30 October 2017  


Sandra was always available to help us with the details - don\'t know how we would have done it without her!

19 September 2017  



12 September 2017  


Sandra was fantastic at each stage of the purchase of my home especially at the settlement phase when the Conveyancer let me down at the last minute.

03 January 2017  


Michael Dennis was able to secure a loan under very difficult circumstances.
We appreciated his help and have recommended Michael to other friends who he has secured loans for.

12 November 2016  


Michael Dennis, always a pleasure to do business with. Keeps me informed, gives me the right advice and helps me understand the process.
That is what I call a trusted advisor.
Will happily continue to do business with Michael.

21 August 2016  


A very special thank you from me and my wife to Michael Dennis. You have been very helpful to guide us throughout the whole home loans process. We were very impressed by the professionalism and always prompt feedback we received to any queries that we had from you. With no doubt I will recommend Smartline Home Loans to all my friends and colleagues.

Mohammed & Nasima Ayubi

10 June 2016  


16 May 2016  


We have been customers of Michael Dennis for many years - we would never even look anywhere else for advice! Michael has now started helping our adult children with their financial needs. Michael is always exceptionally easy to contact & responds really promptly if he doesn\'t actually answer his phone when we call
He is at all times personable and extremely knowledgable. If all your Advisors are like Michael, you will have a fabulous team

19 April 2016  


Michael was extremely helpful and went out of his way to make sure that all our questions were answered. I found the whole experience very easy.

18 March 2016  


30 January 2016  


Michael & Sandra are the most profetional and eazy to deal with people I have delt with , they are friendly and always there to help in all aspects ,

12 December 2015  


I have recommended Michael to many of my friend who are after a loan. They have all been satisfied with his work ethic and abilities.
I am confident Michael has the skills and ability to manage any banking issue.
I will be continuing to use and recommend Michael for my future investments.


17 September 2015  


13 August 2015  


24 July 2015  


Michael went above and beyond to help us get the loan for our investment property. Couldn't more happier with him :-)

18 June 2015  


Sandra Dennis took the time over the years of our association to learn and follow the needs of my family. She knew our circumstance so well that when she received news from a Big 4 bank on a policy change with regards to income assessment she was in touch immediately and able to guide me through to a successful refinance which actually meant keeping the roof over our heads!!

11 June 2015  


My adviser was exelant in my opinion he went above and behond to help me even through the process of when it was time for my case to go through the convaencer i could get more infomation from mr Dennis then any of the other parties involved he real was outstanding very good person

13 May 2015  


Michael & Sandra Dennis are the most helpful and profetianal people I have felt with do a long time and would not hesitate in recommending there servises to family friends and investers .

31 December 2014  


Michael and Sandra Dennis were very helpful with helping us secure a loan so we could keep our current home as an investment property, and afford to buy land and build our new home.

26 November 2014  


It is rare nowadays to receive the kind of service that Michael provided me when assisting me in refinancing my mortgage. He worked with my best interest at heart and it never felt that he was pushing an agenda. Best of all, he kept me well informed at every stage of the financing process and was very responsive to all my questions. I am grateful for his assistance and I look forward to building a solid working relationship with him in the future.

05 November 2014  


even after the loan was provided, michaels help was fantastic

17 October 2014  


Re-financing 3 separate home loans (2 of which are for serviced apartments), anomalies in valuations and just to cap it off, I was the innocent victim of identity theft, End result was that my re-financing took almost 12 months and Michael was the only person that kept me sane during this entire pain staking process and was on top of every potential scenario to achieve the end result. I can not thank Michael enough for his knowledge & experience and light hearted humor along the way.

13 October 2014  


Michael and Sandra went above and beyond and worked very hard to help us secure the loan we needed. I can't thank them enough.

25 September 2014  


Smartline were fantastic to deal with. We experienced some problems during the loan process, but Smartline resolved the issue both effectively and efficiently. Would highly recommend

11 April 2014  


There were a few glitches resulting in our adviser having to reassess our position. This he did with enthusiasm and went that extra mile to assist us. Highly recommended.

19 December 2013  


Michael and Sandra make an awesome team - professional, knowledgeable and trustworthy. Nothing was too hard for them and without them, we wouldn't have been able to do this. thank you

21 October 2013  


We could not be any more grateful for the work of Michael and Sandra. What seemed like such a daunting process both, Michael and Sandra 'held our hand' each step of the way. They made us feel so comfortable and confident to buy our first home and it was an absolute pleasure to work with them. We will definitely be recommending Michael and Sandra to our family and friends.

01 October 2013  


20 August 2013  


19 July 2013  


17 July 2013  


Michael is a true professional. His understanding of the market, loan options and his customer service is second to none. Nothing is too hard. A pleasure to deal with him.

09 July 2013  


Would not use anyone else. Would not hesitate in recommending Michael to anyone.

20 November 2012  


Michael is a very friendly and nice man, but sadly he failed to get back to me several times and failed to keep me informed throughout the process which was very frustrating. Michael claimed the same old and well used 'phone problems' but really, if your phone is your business I would get a new phone. I am still waiting to hear from him regarding some questions he took away from our last appointment over two weeks ago and he has not replied to my enquiry regarding a line of credit which was also over two weeks ago. Regretfully, I have moved on to another mortgage broker.

05 July 2012  


The service I received was outstanding beats the banks hands down

07 May 2012  


Michael, was very knowlegable and understanding, I had a difficult loan to arrange and he was very patient and understanding. He is a credit to Smartline.

07 May 2012  


06 February 2012  


Sandra was able to secure finance for us, not an easy thing when you are owner builders., having her there to guide us through the process was invaluable. Thanks.

26 January 2012  


A lovely person, as well as a thorough professional, Sandra went above and beyond my expectations. I would strongly recommend her to anyone.

10 January 2012  


Both Sandra and Michael were always there to help with our many questions. Their service and knowledge were outstanding. Highly recommend.

15 November 2011  


02 September 2011  


Wery happy

18 August 2011  


I have dealt with Michael for about 12 years and we have met face to face only once in that time. When he and Sandra started with Smartline I was not sure how this would affect our relationship. I have to say that, if anything, the service and advice provided is even better and recently when I was going overseas he went out of his way to make sure that the documents were availabel for signature before I left, and when there was later discovered to be an error, Sandra liaised with the bank to ensure a satisfactory outcome. I actually read the regular updates provided by Smartline as they are presented in a readable layman style that I can understand.I am very happy with the advice and information provided.

15 August 2011  


This Guy ( Michael Dennis ) went far and beyond my expectations very helpfull and eazy to deal with he helpt us out were other people in the banking world just didnt want to spend the time .

20 July 2011  


19 July 2011  


Michael Dennis has always provided a very professional service, I've know him for a long time now and am very happy I could continue with his service after he left ANZ and joined Smartline. He knows what he's talking about, he knows the systems, he knows what his customers wants and needs are and importantly he works with you so you get the best outcome. regards Greg Dickson

19 July 2011  


15 June 2011  


I never felt rushed or limited in the time Michael had to gave to explain any part of the buying and lending process.

09 June 2011  


08 June 2011  


Great service!

05 June 2011  


Sandra and Michael were always there answering our questions and dealing with problems.

02 June 2011  


24 May 2011  


Sandra was very easy to deal with and had no problems going out of her way to pick up paper work or meet with us when ever we required. Sandra made the process of buying a home very easy and stress free. Not like our experience when approaching the major 4 big banks.

08 April 2011  


17 March 2011  


Michael is a great advisor we will use him again

17 March 2011  


14 March 2011  


14 March 2011  


11 August 2010  


21 April 2010  


15 September 2009  


22 May 2009  


01 January 2009  


16 December 2008  


We were kept well informed of every step and process along th way.

17 February 2008  


16 December 2007  

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