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Terry Azzopardi


Average client rating
4.9/5 From 223 Reviews

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24 January 2023  


Excellent Service

17 November 2022  


Terry and his team were fantastic !

13 November 2022  


Thank-you very much Terry and Monica for your assistance in refinancing my loan. Again your service and efforts were outstanding in finding me the right product that works for me. I will continue to come back to this trustworthy and comnpetent Team. Regards Mark

03 November 2022  


Terry was fantastic in all areas.
His advice and experience made our purchase seen seamless
I would highly recommend…

18 August 2022  


Terry provides a great service and met the needs of my requirements, he ensured the best possible outcome for my financial requirements.

10 July 2022  


Good service overall. Helped me through the process. Look forward to doing it again in the future. Thanks.

04 July 2022  


07 June 2022  


Terry was terrific from the very first contact. Lightning quick service, spectacular customer service. Terry and Monica both made everything easy and I felt in great hands throughout the whole process. Can’t thank you enough. I won’t hesitate to contact you guys in the future. Thank you!

12 May 2022  


Communication was not that great. I was having to continually follow up Terry for updates. Whilst I understand we were not the only clients, it was quite a stressful process and felt like each time I made a follow up enquiry it was pestering him. We also weren't advised about the additional fees payable to the lender upon securing the loan.

20 April 2022  


Great Experience with Joe and the rest of the team at Smartline

13 April 2022  


Good product knowledge and understood my needs, thanks Joe!

04 April 2022  


Best in the business!! Have recommended Terry and his team to many people and they are very happy also!

15 February 2022  


13 February 2022  


05 January 2022  


04 January 2022  


22 November 2021  


02 November 2021  


02 November 2021  


07 October 2021  


Monica and Terry were amazing and always there and patient, finally after a long and hard process our first home is being built, can't thank them enough!

05 October 2021  


Terry has been extremely helpful throughout my application. He has saved me from paying heaps of money on a high interest home loan. I would definitely recommend him to my friends and family

03 October 2021  


Always helpful and available

06 August 2021  


25 July 2021  


There is no easier way to put it, Terry was fantastic in paving the way to unlocking our journey to our first home. We could not be more impressed with Terry’s patience and willingness to making our dreams come true.

20 July 2021  


Terry was referred by a friend to help us refinance our home loan and we couldn’t have been happier with the result. He gave us the confidence to make some big financial decisions. Thanks Terry

09 July 2021  


I would highly recommend Terry Azzopardi to anyone. He is very knowledgeable about his products and extremely patient and articulate when explaining the best options for us to choose.

07 June 2021  


23 May 2021  


Terry was amazing with assisting my partner and I throughout the entire process. He constantly made sure everything was tracking smoothly and kept us well informed. We would highly recommend SmartLine and Terry to anyone!

22 May 2021  


Great to deal with good communication with terry & Team

21 May 2021  


16 May 2021  


The team at Smartline made the whole process very easy & stress free.

11 May 2021  


I highly recommend Joe he has gone above and beyond to help us achieve our renovation dream. He always kept in regular contact with us letting us know every step through the whole process. Thank you so much.

10 May 2021  


I can't thank Terry and Monica from Smartline enough for the service they provided to us recently. Great communication and always available to answer any questions or queries. Would highly recommend the Smartline team to family & friends. Thankyou

06 May 2021  


I found Terry to be one of the most professional financial providers. He worked above & beyond other financial providers. I will not hesitate to recommend him & his services to anyone looking for financial advice.

03 May 2021  


Terry was super friendly and easy to talk to. He helped us pick the right loan for our situation. I would recommend him to all my friends and family.

28 April 2021  


24 April 2021  


Great service, taking stress out of what loan is best suitable with a few options presented. Joe and Monica are always fantastic to deal with.

20 April 2021  


17 March 2021  


I've dealt with smartline for many years now I could honestly say I wouldn't be where I am now financially if it wasn't for the team at smartline. Extremely helpful and I would highly recommend them to others

04 February 2021  


Joe & Terry were fantastic to deal with as usual, in fact I have used them for several different financial requirements & it has always been made very easy for me, the team at Caroline Springs are really great to deal with.

04 February 2021  


21 October 2020  


Terry is the best at what he does, he takes care of everything, And keeps me updated throughout the process. When sometimes dealing direct with banks can be a headache, Terry takes the hassle out of it and does it all for me. A Great service.

20 October 2020  


20 October 2020  


Very happy with the communication throughout the process of refinancing. Thank you.

07 October 2020  


just quick and easy

03 October 2020  


My Wife and I were looking to refinance our homeloan to a cheaper rate, We couldn't have achieved this without Joe T help. His knowledge and expertise made a difficult process extremely easy. Excellent service, Highly recommend. Thank you Joe T.

09 August 2020  


Terry and Monica were very supportive and actioned things quickly for us. we are very happy to recommend their service to anyone who doesn't want to deal with having to source best deals they did everything for us helped us achieve our goals.

30 July 2020  


2nd Time I've dealt with Terry & team
Nothing a problem pleasure to deal with

19 July 2020  


Having dealt with Terry and Joe over the last few years I was more than happy to deal with them again.

19 July 2020  


Going through any financial separation is difficult, but Terry and the team from Smartline made the process smooth and transparent the whole way through. The communication during uncertain times reassured me that they were going to get the job done.

11 July 2020  


Terry & his team were amazing to deal with, especially with my wife & I having no property buying experience. Their knowledge & support was invaluable to using we can't thank Smartline enough for helping us secure our 1st home.

24 June 2020  


31 May 2020  


Terry was an amazing help, was always available to meet or take calls and answer our questions. Highly recommend him to anyone!

29 April 2020  


Was recommended to Terry and definitely have not been let down. Terry has always been there to help and contactable, always felt comfortable and at ease. Have recommended Terry to many others.

10 April 2020  


Very informative with our first investment loan, always available to answer questions and consistently in contact every year to see how we are going with our loans. Would highly recommend them.

07 April 2020  


Terry made my experience so easy start to finish

05 February 2020  


31 January 2020  


we are very happy with our advisor Terry Azzopardi as he always goes out of his way to be helpful and explain all of our options making it easier for us to make decisions and if he is busy we are happy to communicate via Monica.

29 January 2020  


They kept us in the loop with what was happened and when. Was helpful when we didn’t know what to do with documents. Over all was happy with there help and service

08 January 2020  


i found Terry Azzopardi and his team very helpful, efficient and thorough. i had my concerns leading up to settlement day but Terry reassured me that everything was in order and settlement will occur on time...he was correct and calm throughout the whole process from start to finish....big Thank you to the team.

18 November 2019  


31 August 2019  


Joe was helpful my entire process,,, thank you heaps absolute champion,,, 2nd time used will use again

16 August 2019  


I was happy with my experiences with Smart Line . They do a wonderful job , help you out when you don't understand and readily available when needed .

24 July 2019  


Very good at what they know

20 July 2019  


03 July 2019  


Very easy to work with and nothing was too hard. Also did everything as quickly as possible as there was a deadline to meet with the finance!

21 June 2019  


Terry & Monica were outstanding in their ability to provide the perfect loan for us.

07 April 2019  


Joe was very helpful and answered all my queries as I needed answers . Explained things well so I could understand . Very happy with the service I was shown ..

25 March 2019  


18 February 2019  


14 December 2018  


Exceptional advice and service provided on this occasion. Terry kept me informed throughout the entire process and he made this financial experience a very positive one. Thanks Terry and Team for your excellent service and product on this occasion.

09 November 2018  


Terry is a wealth of knowledge and is never too busy to answer any questions, no matter how small. Great service the whole way through.

11 August 2018  


Exceptional advice and service provided on this occasion. Terry kept me informed throughout the entire process and he made this financial experience a very positive one. Thanks Terry and Team for your excellent service and product on this occasion.

31 July 2018  


13 July 2018  


I wanted to thank Joe Tabone he was fantastic.

06 July 2018  


24 March 2018  


13 March 2018  


15 February 2018  


31 January 2018  


28 December 2017  


Terry has always gone the Extra mile for me. Terry, along with Monika and Aprille are always available and are willing to provide me any information I need. Not only have they provided me with my mortgage they also have explained the process to me so I understand how it all works. I have learnt a lot by having them as my brokers and have recommended them to many of my friends and Family.

22 November 2017  


Very satisfied with the service from the Caroline Springs office. I trust them and am happy to recommend to friends and family

07 November 2017  


31 October 2017  


24 October 2017  


Terry provides an excellent service. Always prepated to answer our questions when we call him.

23 October 2017  


Fantastic skills, knowledge and support through getting me a very rushed loan with no real income
Absolutely fantastic team
Terry Azzorpardi is very good at what he does
Office staff are always polite and helpful if they don\'t know the answer they will find out or call you back with one

10 May 2017  


24 April 2017  


Terry, Monica and April all had a hand in my application and they were all great in their own way. I was kept well informed and nothing was ever too much trouble.
Great teamwork guys, thank you!

05 March 2017  


Couldn\'t fault Terry, he has helped us every step of the way and we will definitely be recommending him to family and friends!

02 March 2017  


Terry has always helped out and provided sound advice, thanks Terry

23 November 2016  


Thank you Terry for such an easy & efficient transaction

10 November 2016  


Terry Azzopardi and his team were very helpful and easily contactable....

thankyou Smartline Team...

28 October 2016  


Smartline was very helpful and professional founding the perfect loan for our first home. I will recommend them to everyone who is searching for home loan. Thanks to Terry and Monica from caroline springs branch.

19 July 2016  


02 July 2016  


26 June 2016  


23 May 2016  


I think the best part about Terry that stands out is the constant updates and feedback via both facebook and emails and his always happy to have a chat. Even his staff are pleasant to deal with. would recommend him hands down to anyone looking for a broker.

13 May 2016  


02 May 2016  


From the start to the finish terry Provided a very professional service making sure the process was really well explained and stress free

27 March 2016  


This is the fourth home loan process I have been through and it was by far the most professional, informative and supportive of them all. I received thorough and correct information from start to finish which made this a stress free procedure enabling us to buy our dream home. Terry Azzapardi listened to our needs and catered for our personal requirements. I will definitely return for any future home loans that I require.

20 March 2016  


The whole team at Smartline went above and beyond my expectations

10 March 2016  


Great service terry gives great advice and helps with everything he can !

04 March 2016  


My experience with Terry was professional and very informative as well.

24 February 2016  


11 January 2016  


Terry as per normal you always go out of your way to assist us, thank you again Terry and Monic for you hard work.
Nicole and Brendan

05 January 2016  


Had a great experience with Smartline and our adviser. The service was prompt, friendly and professional. Would definitely recommend.

09 December 2015  


08 November 2015  


Excellent, quick and painless.

25 October 2015  


I got better service going through Terry at Smartline, than i did when going through the same bank directly, There was no hassle he was pleasant, and was not pushing any one product, instead giving lots of options, Just wish i had come to smartline in the first place

24 September 2015  


12 September 2015  


Terry was extremely patient, asking me lots of questions so that he could provide the perfect loan for my requirements.

11 September 2015  


My experience with Terry Azzopardi has been absolutely exceptional. He work around the clock and bent over backwards to help us out. His work is so professional and always helped my partner and I understand the whole process.Will definitely recommend terry and Smartline in the future.

18 August 2015  


Terry was a great help in assisting us in re-financing, finding us the best deal possible to meet our budget. Kept us informed & up to date with the progress of the loan with weekly calls. Would highly recommend Smartline Caroline Springs to family & friends.

29 June 2015  


Terry and Monica are an amazing team, second time we have used them and will certainly do so again. They are so quick to respond, always keep you in the loop as to what is going on and are very professional.

23 April 2015  


Terry Azzapardi was excellent throughout our loan application. Would highly recommend him and his team to my family and friends.

19 February 2015  


My Adviser always keeped me informed on what is happening, and also made it very easy for me to understand the process. I am greatful for the service that Terry Azzoparti provided to me and my husband.

30 January 2015  


I am very happy with the way the whole loan process was handled, the communication and information given to me was excellent.

10 January 2015  


24 December 2014  


19 December 2014  


Also want to add that Monica Sabau was fantastic, always prompt with a response for my queries.

01 December 2014  


Terry is an extremely resourceful mortgage adviser who goes over and beyond to help me with my lending requirements.

13 November 2014  


Terry and his associates really help me out on all of my issues

02 October 2014  


Terry provided an excellent service. He kept me informed, talked me through my choices and gave me feedback on my decision. I have recommended Terry and Smartline to many of my friends and colleagues.

22 August 2014  


What I liked most is that Terry was able to see us after hours which has helped us not taking day off from work. Terry has been recommended to us by a friend and we are very happy with his service, he has helped us more than what we expected. I too will be recommending Terry. Thanks a million Terry.

21 July 2014  


28 June 2014  


06 June 2014  


very happy with the service and the friendliness.

25 May 2014  


The service level was great and explanations clear and the maths was set out well. The many questions I had were always answered promptly. 10/10.

24 May 2014  


Its a good service less headaches and less to worry about cause the job be done smoothly .

18 May 2014  


17 May 2014  


12 April 2014  


12 April 2014  


The overall experience was very positive. We felt comfortable with the advice and detailed information presented to us by Terry Azzopardi. The main advantage of dealing with Smartline is having someone who thoroughly understands the process when approaching financial institutions to refinance your mortgage.

21 March 2014  


14 March 2014  


Terry helped me through a difficult time in my life with assisting in the smooth process of the loan application.

05 March 2014  


Yes I would like to thank Terry for his honest advise assistance and understanding for the past 6 months. Terry not only responded to my despereate email in the middle of last year when i thought there was no hope for us but he also found a solution and we are now on our way to recovery after a very difficult few years with our business. i have also referred terry to our daughter and her partner and they have settled into there new home with Terry assistance. Thank you.

02 January 2014  


09 November 2013  


09 September 2013  


05 September 2013  


I was a little disappointed in the delivery of the paperwork from the Smartline office to the Bank as it didn't arrive at the bank until the day before settlement and the paperwork was signed 5 working days before.

21 August 2013  


Terry and all his team was like I am dealing to a family member. They are very nice people.

09 August 2013  


Terry was an absolute pleasure to deal with & kept us informed at all times. He achieved exactly what our business was after in such a short time. I would recommend him to anyone. Thanks so much Terry.

02 August 2013  


23 July 2013  


Terry did an amazing job. He was in NZ for a week of our loan being before the bank and left us in the hands of his wonderful assistant. I think Terry made contact with us the minute the plane hit Melbourne airspace! We had a hiccup from the bank but Terry and his staff were onto it and certainly made the whole process less stressful. We were not a 'standard' situation and Terry worked hard to ensure that what we wanted was achieved. No hesitation in recommending him and his team.

15 June 2013  


13 June 2013  


Whenever I need advise I am assured that it will be reliable and done with speed. For Terry and his office staff, I have nothing but praise for the professional way they handle any of my requests. 10 stars to them all!

03 June 2013  


20 May 2013  


19 May 2013  


06 March 2013  


14 December 2012  


03 December 2012  


12 November 2012  


Terry provides a very efficient service backed by sound advice whilst explaining options that suit which gives you an informed platform to settle on.

05 November 2012  


02 November 2012  


Cant thank Terry enough for all the work he put in for us to get our loan approved. Was very stressful time, but he was only to willing to speak to me and keep me updated on loans progress. Will always recommend Terry to all family & friends who are looking for finance. Thanks again Terry you bloody legend!!!!!!

13 October 2012  


the whole process was stress free and provided me with the best options for my current circumstances.

12 October 2012  


Terry saved me time by choosing the right loan for me straight away. Helped me in figuring out how the loan will work, while handling all the paperwork and headaches. Also, on top of that he saved me around $9,000 from the loan. Could not be happier.

11 October 2012  


I am vey happy with services and options. With the help of terry my husband and i saved thousands of money by moving banks and not paying mortgage insurance. He was fantastic and made life easier for us.

06 October 2012  


04 October 2012  


My Adviser was there for us , from the first day to the last day. He made it so easy for us and by the time we knew it , it was all done. Would recommond the service to everyone. thanks :)

05 September 2012  


There were some minor issues with the settlement of the property I purchased. It could have gone smoother if Smartline were consulting with my conveyancer throughout the process.

14 August 2012  


Our smart line Adviser in Caroline Springs has been extremely helpful throughout our first home buying experience. We highly recommend Smartline!

28 July 2012  


19 July 2012  


Terry Azzopardi was very helpful & he knew exactly what we wanted. He took time to explain in detail to me what i didn't understand. Even his secretary Monica was very helpful. she kept me up to date nearly daily on the progress of my loan. I would highly recommend Terry to anyone i know & definately I will be using him again!!

19 July 2012  


Found the process messy and confusing. Didn't know who to contact when we had problems re: call bank or adviser. Whole service took a long time, and we nearly lost the house contract because of it. Won't use a broker again next time, will just go straight to the bank.

12 July 2012  



20 June 2012  


This guy is a genius, Definitely ahead of his time....Wouldn't go anywhere else.

18 June 2012  


17 May 2012  


02 May 2012  


Minimal paper work everything ready to go just what i needed thanks definetly would recommend terry to anywone. He knew exactly what i needed. Here is hoping to that next interest rate cut from the bank

01 May 2012  


Great service, quick, knowledgeable, friendly, responsive and helpful.

24 March 2012  


I regret not seeking a Smartline Adviser sooner, after putting up with the bad service and poorly trained staff at one of the big four banks for years prior. My Smartline Adviser made the application and borrowing process a pleasure and allowed me to focus on the more important issue of finding the right property to suit my needs. Thank You.

20 March 2012  


04 March 2012  


16 February 2012  


Terry is a pleasure to deal with. He is genuine and a true professional.

02 February 2012  


I am extremely happy with the way Terry at smartline Caroline Springs handled my account. I highly recommend him to anyone.

11 January 2012  


11 January 2012  


We found Terry and his staff very approachable, helpful,honest. We have reccommended him to a friend of ours who is going to contact him in the next month or so. I will keep him mind if anyone is seeking finance

09 November 2011  


09 November 2011  


15 October 2011  


Terry was great in every way, very friendly and very willing to help. We would and will recommend him to anyone we hear needs any financial assistance.

07 October 2011  


04 October 2011  


Terry helped us greatly in choosing a loan, provider and products. He explains our questions very simply (as we are in our 50's). The follow up is excellent. It is important to keep up to date and Terry, does just that.I recommended Smartline to a colleague at work as he is just, starting the process of buying a home. Mentioned Terry to him, and that they have advisers all over, as he is on the other side of town. Explained to him, they do follow ups. And they make sure the transition period goes smoothly which is very important.In brief,the products and services are so comprehensive the savings can be quite amazing.The market is changing all the time and keeping up is getting harder, that's where you guys make it easier. Anyway, keep up the good work, and thanks very much for all your help and savings. Kind Regards
Paul Perry & Doreen Scott

01 October 2011  


I delt with Terry from the Caroline Springs office and I was more then happy with the service provided. I really enjoyed the friendly atmosphere and the advice i was given was very helpful and easy to understand, and the fact that it didnt cost me anything for the advice makes it even better and I would not hesitate to come back for any further financial advice I need. Regards Peter

27 September 2011  


Very happy with overall service from Smartline. Will be recommending to others.

20 September 2011  


18 September 2011  


The process was made easy and Terry was always available to answer our questions. Thanks.

14 September 2011  


Fantastic Person to deal with, Terry made it easy.

29 July 2011  


15 July 2011  


they are all very good and explaining things that we didnt understand and they are only a phone call away which is excellent thank you

12 July 2011  


21 June 2011  


Terry the man, knows his job inside out, thank you.

08 June 2011  


Not only ddid Terry exceed my expectations, he always did it with a smile on his face....Thank you for making the process seamless.

06 June 2011  


31 May 2011  


26 May 2011  


29 March 2011  


16 March 2011  


09 March 2011  


12 February 2011  


03 February 2011  


Communication was excellent

20 January 2011  


I couldnt fault Terry at all, his knowledge and help he gave me was exceptional. Thanks Terry.

20 January 2011  


Terry has always been helpful and has always tried to give us the best advice he can.

13 January 2011  


29 December 2010  


13 November 2010  


Didn't gather all the correct information at the intial meeting and then had to go back and forth on a number of occasions delaying the whole process.

25 October 2010  


I've used Terry's services for many years, even prior to his time with Smartline. I'm very happy with his understanding our my needs, and the solutions he has found. I've found Terry very approchable, and nothings too much trouble. Very happy.

20 October 2010  


02 October 2010  


24 September 2010  


22 September 2010  


Great service.. I felt i was being involved throughout the whole process. Terry went above and beyond to ensure that we were given the best rate. Great service,

10 September 2010  


terry does and did a fantastic job as did all his staff

08 September 2010  


22 August 2010  


My advisor was extremely helpful and went out of his way to make settlement successful. I had to go oversease and he personally saw to it to draw up cheques and drop of cheques to the conveyancor. Excellent service!

12 August 2010  


02 August 2010  


the smartline adviser was very friendly and welcome you to come and see them any time that we have a question for them they are more then elcome to anwser them for you .and that they are only a phone call away .thank you

16 June 2010  


The process of obtaining a loan was made easy with Terry's help

07 May 2010  


06 April 2010  


30 March 2010  


What i liked most was that is was done quickly and thoroughly. I was always kept in communication even on weekends. As l see it, don't change anything!

17 March 2010  


advice and service was excellent.Very well presented and helpful advice.

01 December 2009  


Smartline Adviser was very friendly, good comunication, explain all aspects and mostly finding the right loan that suits my budget

10 October 2009  

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