Mortgage Choice logo
Sin Cacic


Average client rating
5/5 From 307 Reviews

Sort by

10 April 2023  


Sin was knowledgeable, contactable and happy to help at all stages of the process.

06 April 2023  


24 March 2023  


09 March 2023  


Sin Casic has been a godsend. He has assisted me in getting the best loan many times. He is always very knowledgeable and professional. Thank you Sin I can now breathe again.

16 December 2022  


09 December 2022  


Absolutely recommend Sin and highly thankful for his assistance once more to refinance and top up my home loan.

07 December 2022  


Sin is very professional and helpful keeping us informed every step of the way. I will continue to use him in the future and recommend him to others. Thanks again Sin

02 December 2022  


Sin was thoroughly knowledgeable throughout the process, helped me over come various obstacles and got me into the home I wanted. Many thanks for all you help

26 November 2022  


Sin was great, sorted out my refinance needs and then new purchase

01 November 2022  


04 October 2022  


Sin has been our mortgage broker for many years, he always makes the process super easy, goes above and beyond. We highly recommend him to anyone and everyone. Most of our family only deal with Sin now.

15 August 2022  


Sin as always was professional and thorough in all that he does.

29 July 2022  


Sin went above and beyond to assist us throughout our entire selling/buying process. He was always able to work around our busy schedules to see us and was extremely knowledgeable and able to answer any questions or walk us through the things we didn’t understand. He made our experience easy and very enjoyable as sin kept us up to date and informed throughout every step of the process.

24 July 2022  


Excellent support, guidance and service.

15 July 2022  


Excellent experience which helped to allay any concerns I had regarding my first home purchase.

08 July 2022  


Sin has worked with us several times now, wouldn’t use anyone else.

04 July 2022  


Sin provided us a great service. Quick and extremely reliable i would highly recommend for anyones morgage needs :)

12 June 2022  


Sin was very professional, knowledgeable and friendly. Overall a great experience and made buying my first home easy. Would recommend to anyone.

01 June 2022  


Sin helped at every step of the process and worked hard to get us the best mortgage available for our situation would highly recommend

26 May 2022  


Sin was great. Always updating on status and outlining the process along the way.

27 April 2022  


My experience with Smartline and in particular Sin Cacic was nothing but smooth and professional!
His communication and service was always on time and well presented to make the process as transparent as possible.
I Would highly recommend him!

20 April 2022  


Our advisor was Sin, and I cannot recommended him enough! He is amazing and made the entire process so easy and exciting. He is so patient and explained everything so well that I actually knew what was going on - and if we ever had a question, he was more than happy to answer it! I feel like he genuinely cares about each person he is advising which is just an amazing quality to have. I have recommended him to everyone!

22 March 2022  


Sin was such a great man to work with and made buying our first home fun and exciting, always willing for a chat and made it easy to understand the financial situation with great details that we could follow along with, have recommended him to all my friends and family who are looking at buying

01 March 2022  


Sin is absolutely all over the best possible options in every situation, would highly recommend him to anyone! Top bloke aswell.

24 February 2022  


Sin was a complete pleasure to work with. His intentions were always to help us as much as possible.

17 February 2022  


Sin was fantastic and kept us informed all the way through to settlement and still offered assistance and advise when required. Timely responses to questions and always advised of what part of the process we were up to. He was not pushy like other advisers can be and offered his own advise on financial matters. Looks ok forward to doing it all again with him in a few years! Thanks so much for your efforts and time.

09 February 2022  


Sin was awesome, made the refinancing process simple and stress free. 10/10 would recommend and use again

05 January 2022  


Sin was great from start to finish in establishing my loan and keeping me informed all the way. His advice and assistance working through difficulties in my court property settlement were invaluable and I would totally recommend his services.

27 October 2021  


07 October 2021  


An absolute pleasure to do business with
fantastic person to deal with and a wealth of knowledge we will recommend Sin to any one who needs to borrow money
Awesome job can’t thank him enough

28 September 2021  


05 September 2021  


I couldn’t recommend Sin enough, as a first home buyer he made the whole process so easy by walking me through everything step by step and answering any questions I had.

05 September 2021  


Sin was amazing even through his isolation he was still hard working getting our loan sorted! Getting home late from work he was always able to meet us late or on weekends would highly recommend to anyone

11 August 2021  


22 July 2021  


Sin was our advisor and absolutely fantastic taking us through all the options open to us in our personal situation. The final product recommendation suited us perfectly and we cannot thank Sin enough for his guidance during the refinancing process.

30 June 2021  


SIn offered a fantastic service from start to settlement. I will recommend him to everyone seeking mortgage advice.

25 June 2021  


Sin is always willing to help no mater the time of day, day of the week. Nothing is to difficult very happy with him

22 June 2021  


Experienced and highly knowledgeable. Has lots of contacts in the industry. Superb service in every respect

20 June 2021  


Banks let us down time wise by dragging their feet but SIn was amazing and I have recommended him repeatedly and lots of my family and friends now use him

06 June 2021  


The whole process was so easy with sin his knowledge of all the ins and outs are 2nd to none, im so pleased with the service he produce and I will 100% recommend him to any of my friends, thanks sin your a legend

03 June 2021  


Sin has assisted twice with our lending needs. Both times has exceeded our expectations and made the process so easy. We will continue to use Sin and recommend him to others

31 May 2021  


Sin has always been trusted to deliver the right outcomes for our requirements. He is trusted implicitly and we will continue to recommend him to family, friends and colleagues.

08 May 2021  


Sin has been our insurance brokers for years and is absolutely amazing! He keeps us informed throughout the whole process, submits paperwork etc very promptly so that we could get our loan finalised. Would definitely recommend Sin to everybody!

30 March 2021  


We have recomend Sin to all of our friends and family he provides exceptional customer service.

01 March 2021  


Sin went above and beyond and we would highly recommend him! Great communication and did his job very well! Thanks again Sin ??

29 January 2021  


If you ever need someone for finance Sin is your man. From the get go Sin has gone above and beyond and always got back to me asap when I had a question or query. Sin made it so easy for me during the loan process and highly recommend to everyone.

27 January 2021  


Sin was great. Sin explained every step from start to finish and provided several options for us to choose. Couldn't have been in better hands.

18 January 2021  


Sin went above and beyond with my home loan process. He kept me up to date with all information every step of the way. Sin was easily contactable and would organise time to visit/zoom me. I highly recommend Sin, and I hope to work with him again

31 December 2020  


11 December 2020  


Sin Casic was amazing !

09 December 2020  


Sin was amazing to work with on getting into my own home very happy with everything

25 November 2020  


Sin. C was awesome!

17 November 2020  


Congratulations to my long term advisor Sin Cacic,for his business excellence.Sin has continued to expand his company over many years and has a reputation considered second to none.I fully reccomend his exceptional service.

20 October 2020  


Incredible service, each stage we were kept informed in a timely manner.

07 October 2020  


15 September 2020  


our advisor Sin provided us with excellent service and assisted us in achieving a very satisfactory result with our re financing .
would recommend Sin and smartline to anyone.

28 August 2020  


Sin Cacic made the lengthy process of mortgage and home loan application a walk in the park. It was a pleasure to hear from him all the time and we were never in doubt for long on any matter because he was a phone call, email or sms away. 10/10!

23 August 2020  


Sin was fantastic throughout the whole process. He was very helpful, explained everything clearly, and would always provide regular updates. His support and assistance made the process simple and stress free. Would definitely recommend!

13 August 2020  


15 June 2020  


I would highly recommend Smart Line based purely on our experiences with Sin Cacic

01 June 2020  


17 May 2020  


12 April 2020  


Our adviser Sin was brilliant, he kept in touch constantly either through email,phone calls or house visits. We felt he got us the right deal and made everything perfectly clear to us. I/we would recommend him 100%.

13 March 2020  


Smartline was brilliant! They were easy to contact and knowledgeable. They walked me through the process step-by-step and made it easy for me to understand everything. I would highly recommend Smartline!

21 February 2020  


My wife and I had a great experience with Sin, He helped us through the whole thing and made buying our new family home a very stress free time.
will highly recommend Sin as a broker.

15 January 2020  


As always it is such a pleasure to have Sin Cacic working on my behalf. Sin is very knowledgeable regarding the questions I have and offers sound advice in an very professional manner. My requests were handled with utmost efficiency.
Thankyou for such a fantastic service Smartline.

15 December 2019  


Sin had good clear communication with me throughout the whole loan process, gave good feedback with all questions I had and was always easily contactable. Highly recommend Sin to others, thanks again!.

30 November 2019  


Sin was 100% on his game.A family friend of mine recommended him and I in turn will have no hesitation in doing same.We have never used a mortgage broker before and I am kicking myself why as Sin took all the stress and anxiety out of the process by himself remaining calm and professional.Yes we did have a couple of hiccups towards the end,none of which were the fault of Sin.So in writing and I can say "Thankyou Sin"

01 November 2019  


Sin Cacic was very professional throughout the process. All information was explained in way that I could understand. He gave regular updates with next steps and time frames of the process.
I am highly satisfied with my dealings with Sin.

09 October 2019  


Sin was so great! I always felt that I could ask Sin any questions I had and be would explain it to me in a way that was easy to understand. I loved how quickly he responded to all my emails and calls. Sin always showed me all the mortgage options and explained each one to me! Highly recommend him and will be recommending him to everyone I know.

04 October 2019  


Sin is very knowledgeable and helpful. Explained everything clearly and it was a very smooth and simple process.

12 September 2019  


Sin provided an professional, non pushy, un-biased solution to our mortgage refinance, showing us all products that suited our needs and explaining pro's and cons of each product until we found one that suited us. Sin took the time to explain things when we didn't understand within our product leaving us feeling confident we chose the right product. From the start, Sin provided expected timelines for stages to happen throughout the refinance and everything happened as explained. Sin was flexible enough to be able to meet us at a time that suited us both to keep the refinance on track. We highly recommend Sin and will be referring friends and family as they require mortgage adviser services. Thank you

29 June 2019  


Very helpful and responsive. Will definitely contact Sin in the future and recommend him.

25 June 2019  


25 June 2019  


Sin Cacic was absolutely fantastic, extremely professional and guided us every step of the way whilst maintaining frequent contact ...couldn't have done any better

19 June 2019  


Sin is the most trustworthy adviser I have ever dealt with. His ability to explain every detail in a structured straight forward and easily understandable manner is second to none. I would happily recommend his services to anyone without hesitation.

17 April 2019  


Sin was very approachable and explained everything making it easier to understand.

15 April 2019  


Sin was very informative and explained everything until I understood it all. Very happy with my overall experience!

09 March 2019  


Sin is always approachable and nothing is too much trouble

03 March 2019  


Sin was amazing from start to finish, made buying our first home so easy!

27 February 2019  


Sin cacic could not have done a better job. He made a situation that I would have found stressful and overwhelming completely easy and stress free. I could not have got my home without his help and guidance and solutions to all the little hiccups along the way and I will be eternally grateful.
Jane Lyons.

17 February 2019  


02 February 2019  


05 January 2019  


21 December 2018  


We are first home buyers he made the process so easy and went above and beyond for us. Would highly recommend sin

20 November 2018  


Sin handled my convoluted application professionally and with cheerfulness even though at times it must have been frustrating for him. I cannot speak highly enough of his attention, and the time he took to provide me with advice and answers to any queries I had.

21 October 2018  


20 October 2018  


15 September 2018  


Sin is helpful and knowledgeable. Nothing is a hassle. Thanks.

27 August 2018  


21 August 2018  


21 July 2018  


09 July 2018  


Sin provides a professional service is alway avalible to answer quieres and provide information.

We have used Sin a couple of times and is our go to person with any mortgage requirements

13 June 2018  


10 March 2018  


03 March 2018  


Sin provided outstanding service, it couldn't have been better. He did everything quickly and inspired confidence from the start. I will certainly recommend him to anyone wanting a mortgage.

11 February 2018  


28 January 2018  


05 January 2018  


04 January 2018  


28 December 2017  


23 December 2017  


I would recommend Sin, very helpful and kept us advised throughout. It all happened very quick!

22 December 2017  


16 December 2017  


06 December 2017  


My family members and I have used Sin every time his always very helpful and willing to go out of his own way for all his client\'s and he is the reason why we are all here today THANK YOU SIN CACIC...!!!!

24 October 2017  


Sin went above and beyond the expectation and service we expected. We could not have asked for better broker.

26 September 2017  


Sin is an absolute legend and I would recommend him and have recommended him, he made the whole process simple for me, he explained everything to us and I believe he got us the best possible deal.

15 September 2017  


Sin was extremely thorough to our financial requirements.

He saved us many thousands of dollars in interest payments, without the hassle of changing banks.

We will be doing a two yearly mortgage health check with Sin from now on.

We have recommended Sin to family and friends in the past, and won\'t hesitate to continue doing so.

Thank you Sin

12 September 2017  


09 September 2017  


Sin is fantastic, he is thorough and professional. I will continue to recommend his services to family and friends.

09 September 2017  


An awesome guy in every way who I repeatedly recommend to friends.

09 September 2017  


31 August 2017  


06 August 2017  


Sin was our adviser and I cannot praise him enough for the work he put in and the time he spent with us to get us a mortgage. Nothing was too much trouble, he would come round in the evenings to our house to complete forms and gather required documents.
Sin was thorough and meticulous in the completing of required forms and he did it all for us. He fully explained everything in a language we could understand, no jargon.
Sin is also a thoroughly nice bloke and I can tell you when its time to remortgage we wont be going anywhere else.

23 July 2017  


The whole process of reviewing my mortgage & then changing to a different lender was completely stress free! It was seamless, thanks to the absolute professionalism of Sin!

17 May 2017  


Great advice and very knowledgable representative.

16 May 2017  


I engaged Sin to assist me with the purchase of my first home. I have been extremely impressed by Sin\'s reliable, professional and approachable way of working. As buying my first home was a very new experience for me I was somewhat daunted by the process. Sin\'s patient, methodical, thorough and transparent approach has been very reassuring, alongside his willingness to answer my many basic questions and his proactivity. I would highly recommend Sin and will definitely return for any future mortgage matters.

13 May 2017  


Sin helped us tremendously with our home loan

26 April 2017  


I always find Sin to be very knowledgeable and professional. He communicates throughout the process to make sure everything runs smoothly.

09 April 2017  


Informative to the questions raised and makes it personal in approach
Yet again great service
Would highly recommend

08 March 2017  


03 March 2017  


28 February 2017  


Sin has always been so helpful and proactive. When ever I have the opportunity I always recommend his services.

27 January 2017  


07 December 2016  


17 November 2016  


Sin has been wonderful , my family has used sins services 3 times now . & I would recommend him highly .

09 November 2016  


Sin was excellent from the beginning right through till the completion of the mortgage application. He kept us informed at all times of the progress of the application.Probably the least stressful mortgage I have applied for. I would highly recommend Sin to friends.

08 November 2016  


Sin was our advisor. He went above and beyond what we expected his service to be and are very thankful for the financial advice and emotional support through the entire process. We are first home buyers and Sin\'s support and advice made the process as smooth and stress free as possible. We felt like our questions were always answered and all information explained so that we easily understood.We feel very greatful to have had the support of Sin and Shona. We look forward to being in contact with Sin for any future financial ventures and wouldn\'t hesitate to recommend his services to others
Kristy Philpott and Brian Bain

28 October 2016  


Sin was absolutely amazing. His advise and knowledge was awesome and I would highly recommend Smartline. Thanks Sin

27 October 2016  


Top quality advice and service as always. Was looking for a personal loan but Sin suggested a surplus loan which saved us about 10% with the interest rate. Always recommend Sin to family and friends.

22 October 2016  


27 September 2016  


Sin went above and beyond to secure us a really good deal with the bank. He didn\'t stop there he also forwarded us details to a great builder for renovations. I would strongly recommend Sin to anybody, he is great

09 September 2016  


Sin was terrific in helping me through buying my first house, I truly would have struggled without him. His knowledge and explanations are amazing

07 September 2016  


This was the third time that my wife and I have used the services off Sin, and we have had nothing but great service and advice. We will be contacting again if required.

31 August 2016  


24 August 2016  


22 August 2016  


12 August 2016  


Sin was always available and helped us through the set-up of our loan with helpful advice.

09 August 2016  


We are really appreciative for the absolutely awesome service we continually receive from Sin. He explains things clearly that we understand fully what\'s going on. Sin always goes out of his way to help and is a true professional and we will continue to use him & refer him!

07 August 2016  


Every single time we dealt with Sin we were blown away with the level of service and professionalism. Sin is an absolute stand out making every process seamless and always keeping us informed and updated. Would definitely recommend Sin to any friends or family. Thanks!

08 July 2016  


I find Sin extremely professional and knowledgeable. I would highly recommend him.

26 June 2016  


Sin was very professional helpful and made the whole process very easy. Would definitely recommend to friends.

26 June 2016  


22 June 2016  


08 June 2016  


We got a great rate and he got the loan through before the rate cut so we got another .25% off
We have recommended to some of our friends

02 June 2016  


27 May 2016  


08 May 2016  


I cannot tell you how impressed my husband and I were with Sin Cacic. This man went above and beyond the \'call of duty\' with regards to servicing our mortgage needs. We knew very little about this whole process and he made everything seamless and calming. He came to our home at a time that suited us ALWAYS. He explained everything to us, especially what the \'fine print\' meant and the ramifications of the choices we were making. He gave market analysis to support his explanations. He came out on public holidays and was even contactable during his own leave time. At times we were extremely stressed and Sin equipped us with the knowledge and the tools to make calm, precise decisions based on market trends. We will most definitely be in contact with him in the near future when thinking about refinancing options.

28 April 2016  


As always, Sin was fantastic. Nothing was ever to hard for him and he delt with our sometimes silly questions professionally and explained everything so we could understand what was happening. Sin is an absolute pleasure to deal with. Due to my work hours there were a few times he came to our home late in the evening and even on Sunday leaving his own family to help ours. We can\'t thank Sin enough for what he has done of late and in the many years past.

06 April 2016  


Sin clearly outline and presented us with our best options for our product switch and kept us informed of the progress with the bank. Highly recommend!! Also helps that I work with him! Great mortgage broker and great boss.

31 March 2016  


10 March 2016  


Outstanding service, highly recommend.

25 February 2016  


Thank you very much to Sin Cacic for his services! We are now very happy first home owners.

28 January 2016  


27 January 2016  


20 January 2016  


Nothing was too hard for Sin, I was kept informed throughout the entire process. As I work full time meetings were often well outside business hours. I was very impressed by the level of professionalism and will not hesitate to recommend and use smartline again.

15 January 2016  


Sin always gives an outstanding service

14 January 2016  


This is my first mortgage so I needed quite a lot of help and advice to get things organised. Sin and Shona were really helpful and always got back to me straight away. I would certainly recommend Sin to anyone looking for a hassle free loan or mortgage advise.

13 January 2016  


Sin provided excellent personal service from beginning to end. My instincts were to try and meet him at his office, however he met me at my home or office. His product knowledge was excellent and he managed not only the loan process, but ensured all settlement agency details were correct and followed out. Why would you go to a bank directly when you can get a seamless service like this.

31 December 2015  


15 December 2015  


Sin provided a great service as he guided us through the whole process. He was there to answer any question and went out of his way to make sure we understood our options

03 December 2015  


If we could rate Sin higher than 10 we would. He has been ever so helpful, talked us through everything, coming out to us in the evening and made sure we understood. Our mortgage wasn\'t the simplest, but he managed to do it where as other brokers said we didn\'t have a chance. We would not be in our home now if we didn\'t go with his advice. We cannot say enough good things about him. So thank you again Sin for all your hard work and dedication. Smartline you have a very valuable team member!

20 November 2015  


Sin Cacic provided great service and would recommend him to anyone. Couldn\'t ask for better service

09 November 2015  


Sin was absolutely incredible with helping me and partner purchase our first home. He made the entire process seamless and supported us every step of the way. We\'ll definitely be contacting him when the time comes to purchase our second property. We can\'t thank him enough!

15 October 2015  


Sin was sensational to deal with. Complete honesty and integrity. Sin is the consummate professional offering sound advise and delivering positive outcomes. Sin introduced us to a seamless timely process that completely satisfied our needs. Thanks Sin

11 October 2015  


23 September 2015  


Sin helped us through the process and had a lot of very useful advice. We will be in contact again soon for the next step in our development.

23 September 2015  


I\'ve been with Sin for about 15 years now and would go with no one else. Great bloke and professional service.

08 September 2015  


Sin has been a massive help throughout the entire process from selling my old property to establishing a new loan and going through the whole building process, being readily available to answer any questions and keeping me well informed of the progress..

03 September 2015  


This is the second time I have used Sin Cacic for a mortgage. He is extremely helpful, knowledgeable and efficient. I have recommended him to friends who have also been impressed.

23 August 2015  


13 August 2015  


Sin always kept me updated and feeling positive about the result I was aiming for. It was a long process due to the late release of titles and Sin met with me for every applications and extension I required.I will recommend Sin to all my friends and family.

21 July 2015  


as always Sin was fantastic and very help full. he goes out of his way to help out his clients. we would highly recommend him to any one

20 July 2015  


The process was made simple and painless with Sin's personal and responsive service.

08 July 2015  


It has been a pleasure having Sin as our financial advisor. He was always available to help if I had any questions regarding our loan and I believe he chose the best option for our situation. I would highly recommend Sin and Smartlime to anyone looking for finance options.

04 July 2015  


From day 1 over 2 years ago to now after we have moved he has been in contact keeping us in loop with products and services. He came out on a public holiday to go through paperwork and also evenings to get things sorted. He explained everything so easy and kept us in loop all way through process. Couldnt ask for a better advisor and have already recommended him to friends. He is still in touch now to make sure we got settled in etc. The personal touch really did work. Thanks Iain and Sarah

24 June 2015  


22 June 2015  


21 June 2015  


19 June 2015  


Sin exceeded all expectations and communicated effectively throught the whole process. He went above and beyond to ensure we met all deadlines. We greatly appreciated Sins support during this time and wouldn't hesitate recommending his service to a friend or family member.

13 May 2015  


The service I received from Sin throughout my Loan Process has been impeccable. I could never have gone through and sorted my loan on my own. Sin explained everything to me in English and simplified the whole process by advising and helping me every step of the way. Couldn't be happier and more relieved to have had his assistance. Kind Regards
Kathy Nixon

10 May 2015  


Sin is the ultimate professional. He was patient with us and explained everything to us so that we clearly understood everything. Sin went out of his way to accommodate us & we are really appreciative of this. We have used Sin to assist us in the past & now & will do so again in the near future - highly recommended.

09 May 2015  


Could not have been more helpful. Explained everything so well that as a 21 year old I understood all that he was telling me. He is so good my whole family have now used him.

23 April 2015  


Sin is an extremely likeable person and the ultimate professional. Sin provided us with his services 10 years ago when we bought our first home and he was that good that it remained in our memories for 10 years until we decided to move on with an alternative residence and mortgage. We hoped Sin was still in the business and decided to find him and ask him to help us again for our second home purchase. Thankfully he was still in the business and able to provide the service. During the second round of Sin's services, we were more than pleased with the outcome and he more than exceeded what we had expected from him. The ultimate adviser - I would recommend him to my closest of family and friends. A most genuine and hard working guy - thanks Sin! Look forward to maybe dealing with you in another 10 years :0)

22 April 2015  


Sin always gives an outstanding service

03 April 2015  


Outstanding service, highly recommend. Sin Cacic was very professional and knowledgable in his field. Went out of his way to accommodate our needs and requests. Really appreciate all he did.

27 February 2015  


Sin was great and definitely going to use him again.

10 February 2015  


Sin Cacic is a wonderful friendly approachable person! He is professional but makes a huge effort to connect with his clients! He was referred to us and we will be passing on his name to other friends! I can't thank this man enough for helping us on the road to home ownership! And he is a great asset to the Smartline team!

23 January 2015  


Sin was a great help through the whole process. He made things clear and wouldnt mind helping with any questions we asked. We would reccomend hime to anyone who needs it.

28 November 2014  


Our broker was exceptional,nothing was too much trouble day or night and he held our hand throughout the entire overwhelming process of owning our first home,sincere and dedicated we would highly recommend him to anyone. Thank you.

27 November 2014  


We found Sin to be extremely pleasant and patient during the purchase of our property. We were unfortunate to have to wait 9mths to complete, due to it being a deceased estate & Sin kept in regular contact either by email or a quick phone call. This was our first purchase and Sin explained everything to us with great clarity.

22 November 2014  


Sin was easily contactable, punctual, sorted out my loan documents ect quickly and made regular phone calls/emails follow up. Sin has been my mortgage broker for several years and I would highly recommend him to friends and colleagues.

17 November 2014  


Sin helped us with our first home purchase and we were extreamly happy which is why we chose to use him again. As always he goes above and beyond and is always easy to contact and speak to. I would never consider changing mortgage advisor as I feel completely confident in his ability to guide us and help us. He makes the process easy and less stressful. Thank you sin.

15 November 2014  


100% happy with the service that Sin offered us. Sin couldn't of been any more helpful and informative, thank you Sin for making it so stress free for Michael and I.

13 November 2014  


I have used Sin on several occasions for investment property loans,personal home loans and just recently we refinanced. Nothing was to much bother for sin and he always kept us informed about our loan process.I wouldnt hesitate to recommend him to family and friends and have done so on many occasions.

01 October 2014  


27 September 2014  


Sin Cacic kept me informed and updated during the process of my loan as this was mt first investment loan,he made the whole process from first meeting him to settlment an absoulte pleasure couldn't highly recommend him enough,wouldn't even look at going anywhere else for further loans.

19 September 2014  


My husband and I have been dealing with Sin for nearly 15 years and now he looks after both our children's housing needs .Smartline are lucky to have his honestly

18 September 2014  


Sin is an incredible Mortgage Broker, we have used him twice due to how easy he makes the entire process, we would recommend him to anyone and will use him again ourselves. A credit to smartline

16 September 2014  


10 September 2014  


18 August 2014  


Sin was a great help to us on sorting our mortgage, he explained things so that we could understand more easily, he helped us with the settlement agent we chose, he kept in touch with us through everything, I am sure things would not of run so smoothly if he hadn't helped us. I will be definitely recommending Sin to my friends, he is a credit to Smartline.

08 August 2014  


Sin has been extremely helpful with both purchase and sale of my properties. I have recommended him before and will continue to in the future. I believe he will be my broker for good. Extremely happy and could not have done it with out him.

23 July 2014  


09 July 2014  


Sin was, and continues to be, an amazing Mortgage Advisor to me. As a first time home buyer, I had no idea what to do or what was going on, and felt completely comfortable with the advice and information that Sin gave to me. I would recommend Sin to anyone, with no hesitation. Thank you, Sin!

03 July 2014  


We have used Sin as our financial advisor before. He has always been professional in his approach, courteous, helpful and instils a confidence that we have made the right choices. He is, unarguably an asset to your company.

02 July 2014  


Sin was very professional yet personal too. He was extremely pleasant and always courteous in every regard. He kept us well informed. His knowledge and professionalism was very impressive. We thought Sin was great!!!

24 June 2014  


Excellent service with no problems at all. Went beyond what I expected

12 June 2014  


Sin Cacic has been exceptionally thorough and clear about all requirements and procedures during every meeting together. I have never worked with a broker before and this experience left me most impressed with his amount of knowledge and attention to detail. Sin had a very patient and approachable manner and was always available to answer any queries. He was recommended to me and I would highly recommend him to others. I went through this process on my own, which at times, was quite overwhelming and a little confusing. However, Sin explained things in detail and was most reassuring when we were under time restraints and pressure. Very professional and personable, I owe a lot of my 'relief and satisfaction' to my Advisor. Thanks, Sin.

29 May 2014  


Sin helped us alot on on refinancing our investment and getting us a good rate would recommend him to friends

20 May 2014  


Sin has gone above and beond to help me through the whole process.I am so glad I have had Sin there helping to purchase my first home he has made me feel so much more confidant with all the decisions I have made. Thank you Sin

19 May 2014  


Sin has gone above and beond to help me through the whole process.I am so glad I have had Sin there helping to purchase my first home he has made me feel so much more confidant with all the decisions I have made. Thank you Sin

19 May 2014  


Sin was extremely helpfull at all times and very attentive in getting us the right loan for our needs. We couldn't have asked for a better service and we will defiantly recommend to anyone. Thank you.

18 May 2014  


An absolutely FANTASTIC experience with Sin Cacic. This was our first time buying a house and we could not have done it with him. I will recommend Sin from Smartline to anyone who listens!

17 May 2014  


I would like to convey my immense satisfaction, of the service extended to me by Smartline adviser Sin Cacic. At all times Sin has behaved in an extremely professional manner and has gone above and beyond to ensure the best possible outcome for my requirements. Congratulations Smartline for such a fantastic service.

16 May 2014  


This is the second time around we have used Sin and we are extremely happy with the service, we did some shopping around this time but found nobody could beat the high customer service and knowledge we received from Sin, we hope to be able to use Sin again. I have recommened him to a few of my friends who are currently in the process of getting loans via Sin

17 March 2014  


27 January 2014  


21 January 2014  


Sin was fantastic. Without his knowledge of all the different products and options out there, we would not have been able to buy our dream home.

06 January 2014  


13 December 2013  


12 December 2013  


Sin was fantastic in every way. He kept in regular contact and made the whole process easy to understand and stress free. I have and will continue to recommend sin to anyone looking to buy a house as he is a huge asset to anyone going through the buying process.

16 November 2013  


Sin always keeps it simple, he always answers his phone, replies promptly to emails and genuinely wants to help. Throughout the whole process he kept us informed step by step and then followed up to make sure everything went through to our satisfaction.

01 November 2013  


Sin was most efficient in execution of everything he said he would provide with regards to finding us a home loan. His manner is smart & likeable & very approachable. He kept us informed from A to Z & I would not hesitate to recommend him to anyone.

18 October 2013  


26 September 2013  


30 August 2013  


Sin was recommended to us by one of my colleagues, and we are so glad that we got in touch with him. He always responded to our enquiries promptly, and was of enormous help, guiding us through the entire process. Even when the bank's lawyers made an error on our mortgage documents, Sin took care of everything for us, which we were so grateful for. We will be recommending Sin to any of our friends or family when they are looking to take out a mortgage of their own.

30 August 2013  


Sin was very professional through the whole process. He took time to explain each stage of the process and followed up frequently with updates. I feel he also went the extra mile as he was always there to assist whenever I needed him.

19 August 2013  


Sin went well above and beyond his call of duty to assist my partner and I achieve our refinance. Sin worked all hours of the night and day and was always on the phone to myself or my partner advising of progress and what we needed to do next. I cannot give Sin enough praise and words simply cannot give any justice to what he really did for us! I have already recommended Sin & Smartline to several work colleagues, all family members and friends! Thank your Sin!!! Hannah & Rob

12 August 2013  


as always Sin was extremely helpful and was always available to answer questions we may have had. We have used Sin in the past and will use him again in the future if we need any assistance.

09 August 2013  


Great service, very patient, thorough and a nice guy on top.

24 July 2013  


23 July 2013  


I can not express highly enough the gratitude I have for Sin he went up and above for us and would absolutely recommend him. He was constantly in contact and did not make us feel that the process was all to hard for him !!!!!THANKS AGAIN SIN

11 July 2013  


19 June 2013  


Really great service!!!. Could not fault him at all

15 June 2013  


sin is the best advisor ever I have recomended him to everyone I know an both my son an daughter are now dealing with him THANK YOU SIN

04 June 2013  


sin is the best advisor ever I have recomended him to everyone I know an both my son an daughter are now dealing with him THANK YOU SIN

04 June 2013  


Sin was absolutely fantastic throughout the recent payout of one loan and establishment of a new loan for a new property purchase. He always kept me updated every step of the way and was very efficient in responding to any queries I had.

02 May 2013  


We have used Sin on a number of occasions for our investment property and home loans and have found Sin to go above and beyond with his service to us. We would not hesitate to recomend Sin to our family and friends and have already done so on a number of occasions when friends have asked us who we use.

13 April 2013  


I could not thank Sin enough for his efforts. I made mistakes along the way as this being the first time I've built a house before, but Sin made every effort to ensure he fixed it and saved me so much stress. He was always readily available, I don't think I've ever called without him answering. He was available most hours of the day which was great for me as I do shift work. He was lovely to deal with, understanding and patient. He worked so hard for us to get everything done as fast and as smooth as possible and I could not be happier. Thank you very much Sin and thank you Smartline.

08 April 2013  


Sin is wonderful and I have highly recommended him to my family and friends.

30 March 2013  


We are repeat customers of Sin, he has made the process of liasing with the bank, builder and ourselves, a seemless process. His experience in managing a construction loan has been invaluable and his customer service focus has been exceptional. We will definately utilise Sin's expertise again.

27 March 2013  


We and our family have been dealing with Sin for many years .And have been extremely happy with Sin .Apart from Sin being a wonderful person he has also become a major part of our family .He has provide very wise advice for our situation .And is very honest and helps our aim for our dreams for our retirement mortgage free with a couple of investments .Love the selection of banks and his willingness to come any time of day ,night and weekend .And to return emails,or phone calls.doesn't matter how silly they might be they are important to us and will spend the time to explain every thing in normal wording and won't hurry you until you are happy with every thing .

14 March 2013  


I live in a very remote area of Australia, one might say a geographical nightmare. I found the right home for my family, I had applied for a homeloan a few weeks prior to Christmas and with Sin Cacic who worked tiresly to assist with our search and secure the best and right home loan for our family we recieved the keys 18th January. Thankyou so much Sin for your hard efforts and many hours spent explaining everything so that it was easily understood. R & L Vele.

08 February 2013  


Yet again great service and advice
Goes above and beyond to. Assist in any questions or advice we ask

07 February 2013  


Sin was friendly and very attentive of our needs. His lnowledge of products that would suit us was very good. Everything went very smoothly from the start and when all was arranged the follow up service was really good

13 January 2013  


Sin has been a great help over many years for us and other family members, always a pleasure working with him.

07 January 2013  


Sin was fantastic all the way through the process,keeping in regular contact. Sins guidance and advice was clear and concise, he also took the time to talk through any concerns we had or any questions that we raised. I would recommend sin unreservedly to friends and family alike,this goes for smart line in general too. Many thanks from simon and sue williams

20 December 2012  


Sin Cacic deserves a payrise. Sin is a very good bloke anyone could get along with and im already recommending him to my friends. For Sin to sit at my house untill 10pm numerous nights to get the job done shows dedication.

06 December 2012  


Sin, as always, is efficient, hard working and totally committed to his clients. Our property transaction was so smooth with Sin helping us along the way and sorting out any banking issues. No hesitation in referring him to others and we will always request his services with future property transactions.

22 November 2012  


20 November 2012  


A friend had recommended we contact Sin Cacic when she found out we were wanting to buy a home. Three things caught my attention; he is a local, he comes to you and he has a wealth of experience. It was the best decision we have made. Our dream of owning a home has turned into reality and Sin has been there for us every step of the way. Why wouldn't you contact a Personal Mortgage Adviser?

08 November 2012  


Sin was nothing short of amazing, and has been for many years now, He is always honest accountable and contactable. His professionalism and experience is invaluable and to gives expert opion and advise to where the market and your finacial position is.I have on many occasion recommended Sin and the same freindly professional service is seen to them as has been given to me. Sin is with out question one the best in the buisness and look forward to dealings in the future.

28 October 2012  


Sin exceeded all of our expectations. He made the daunting task of taking out a mortgage simple, easy an stress free. He helped us through the entire process including applying for our first home owners grant and finding a settlement agent. We received constant updates and we were always awear of the progress of our application. We ended up with a great product and I would willingly recommend sin to anyone considering a mortgage broker.

03 October 2012  


This is the second time we have dealt with Sin he is a credit to your company...he is very helpful and very professional in his work...we have recommended him to family members in which they have been delighted with the results...a real gem..Thanks Sin and Smartline

20 September 2012  


20 September 2012  


17 September 2012  


This was an investment property, between us we have previously purchased approximately 10 houses using the services of a variety of mortgage brokers. Sin was recommended to us from other clients of his. We absolutely loved dealing with Sin. He was thorough and communicated every step of the process. He gave sound advice whilst always offering alternative choices. The service we received from Sin couldn't have been any better. We will definitely be using Sin's services again in the future and would absolutely recommend him to others.

16 September 2012  


Our Smartline adviser was great. He was very supportive of our situation taking longer than we thought it would and was there every step of the way to give us advice or to check on the progress of our build. We will highly recommend him to others.

19 August 2012  


Above all expectations, fantastic

04 August 2012  


Sin is very good at his job.He made so easy to get our homeloan. thanks again

27 July 2012  


We are so grateful to have Sin as our Adviser. We trust his advise 100% and can not speak highly enough of him. I have referred Sin and we will always use him in the future. His communication is brilliant and we can't speak highly enough of him. Thank you Sin for helping us get into our dream home.

22 July 2012  


Sin put an enormous amount of time and energy into getting us a great mortgage under very trying circumstances. We'd have no hesitation in recommending him to others

18 July 2012  


From the outset, Sin was accommodating in regards to meeting times outside normal business hours. He took the time to explain the different products thoroughly. His communication throughout the whole experience was first rate and he had a solid understanding when it come to other provisional sums we may need to take into context. We will definately be using Sin again in the future.

11 July 2012  


Sin was so much help,would recomend him to everyone,went above the call of his job even after hours when ever we needed him,and what a pleasant peron to deal with,thanks Sin

07 July 2012  


02 July 2012  


I would like to thank Sin for being ever available to answer questions and to go over the paperwork numerous times through no fault of ours or his but the banks. Sin was a most helpful and calming influence during a stressful, emotional and rushed process. Thanks so much Sin, we will be sending all our friends your way

07 June 2012  


Sin was AMAZING! From beginning to end he was caring and honest about our situation and expectations. He contacted us with every update, no matter how small, which as first home buyers is exactly what we needed. Sin was always readily available to discuss anything we needed to know, he even prepared out REBA grant for us. We had been to other brokers, none had been willing or able to get us to application stage. We truly feel that if not for Sin, we would not be in our first house today! Highly recommended, a pleasure to have dealt with!

01 June 2012  


26 May 2012  


Was very passinate about what he was doing for us, and he was avaiable we we had questions. He made appointment to suit us as I do FIO.

04 May 2012  


Was very passinate about what he was doing for us, and he was avaiable we we had questions. He made appointment to suit us as I do FIO.

04 May 2012  


Sin is by far the friendliest most competent and trustworthy Mortgage Advisor both Jane and myself have ever met. I would strongly recommend him to anyone I know who is looking for any Mortgage advise.

02 May 2012  


02 May 2012  


It was a pleasure to have Sin and Smart Line on board for the purchase of our first home everything has been a breeze because of Sin give that man a pay rise. Regards
Mr & Mrs Elborough

01 May 2012  


Being new to Australia, we had no idea regarding the ins and outs of obtaining finanace for a mortgage. Sin took us step by step through the process, and had no problem repeating answers to repeated questions. I feel that Sin would have given the same time and effort even if the mortgage ammount was $100. It feels good to be able to deal with someone who does not look at your finanacial standing in the comunity, but how best he can service your needs given your financial standing.

12 March 2012  


After having used the services of another Mortgage Broker on several occasions in the past and then using Smartline, the difference in the level of service was incomparable. Would not hesitate in promoting Smartline in the future.

07 March 2012  


Sin was absolutely fantastic the entire time. He went out of his way to help me bumble my way through with a high degree of professionalism and understanding and time for someone as ignorant of the entire process as myself. I have already and will continue in the future to recommend Sin on to anyone who is looking for a home loan.

21 February 2012  


31 January 2012  


30 January 2012  


Sin was absolutely sensational! His attention to detail and focus on our particular situation needs to be commended. We were always able to contact him throughout the process with questions and concerns and he was sincerely interested in our life. After settlement, Sin visited our new home with a bottle of champagne and card congratulating us not only on our new house but engagement. Sin/Smartline is now our broker of choice.

24 January 2012  


We have worked with Sin Cacic previously and would recommend him to anyone. He was above all realsitic about what was possible for us to do and what wasn't, he never gave us false illusions or unrealistic goals. Sin has been able to help us achieve goals and work towards postive investments. We have already recommended Sin to family and friends who have also found him wonderful. It is great to have a relationship with a broker who keeps us updated and informed and who is lookinjg at our best interests. Thank you, Rich and Christine Comer

13 January 2012  


10 January 2012  


Sin was a great guy that made everything effortless. We will definatley be recommending him to our friends and family in the future.

03 January 2012  


31 December 2011  


30 December 2011  


As this was our first house we have brought in australia there were a few things different than at home and Sin was so helpful no question unanswered and really felt like he cared for us I would higly recommend him to anyone and defintiely use Sin again.

28 December 2011  


27 December 2011  


Sin is a very helpful, thoughtful person. Nothing is to much trouble. He takes the time to explain complex items so that it is easily understood. A credit to any employer.

21 December 2011  


I found Sin very helpful. Sorted my needs and helped to make my mortgage life a more optimistic proposition. Cheers.

21 December 2011  


Sin provided excellant service and was very informative. I would recommend Smartline to anybody looking for a loan.

05 December 2011  


01 December 2011  


08 October 2011  


Sin is very professional, he took care of everything with good old fashioned SERVICE

22 September 2011  


Once again Sin provided a personalised professional service that got me what I wanted without any stress to me.

06 September 2011  


Smartline service through Sin Cacic was exceptional. I was always informed of our applications progress via Sin. Sin worked tirelessly for us as our loan application was a little different to most.

01 September 2011  


17 August 2011  


What i liked most was the Email contact, which provided up to date contact if we were unavailable by phone. The constant update if there were any unforeseen delays.

27 July 2011  


We have had the pleasure of doing business with Sin on multiple occassions and as always, he provided an excellent service and ensured our real estate transaction was worry and trouble free. I would recommend Sin to friends and family without hesitation.

15 July 2011  


28 June 2011  


We can't thank Sin enough for all the hard work he did for i'm sure if it was not for sin we would not have this hous . We will tell anybody we know who is looking about the great service sin gave us '
Thank's again Sin
Nick & Gail

27 June 2011  



24 June 2011  


Sin has proven to be very proactive in both communication and eliminating any challenges from the process and have since recomended SMartline and Sin to several people

15 June 2011  


My adviser was professional and I have used him over a number of years, however I will not deal with AMP for a loan again as I believe that stated one thing and then changed their mind to suit their needs. In the end it looks like everthing will work out, however I do not liked to be messed around especially when the market is not that rosey at the moment.

26 May 2011  


Sin was probably the best "Salesman" i have ever done business with. He is very patient and was prepared to give up alot of his personal time to explain things regarding what can be a very confusing topic for someone new to the market. My wife and I are both very very pleased with the service we received and I look forward to dealing with Sin when we are ready for an investment property in the future.

18 May 2011  


we have recommended Sin to our friends the service was very professional and friendly,kept us informed about the progress/ We were more than pleased with the service we received thank you

21 April 2011  


Sin was very proactive with contact and updating the status of the areas in question
very helpful in adjusting the loans even though not full refinancing

04 April 2011  

Contact us

Contact your existing broker?

contact-us-broker-1Smoother experience as they have all your information.

contact-us-broker-2Better understanding of your financials to provide tailored advice.

contact-us-broker-3Faster response compared to being matched with a new broker.

Contact existing broker