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Terry Harrison


Average client rating
4.9/5 From 167 Reviews

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We have been dealing with Terry and Kathryn from mortgage Choice for years.
They have always given us outstanding service and advise from start to finish on all of our mortgage requirements and loans.
No hesitation in recommending them as your next mortgage lenders.

15 May 2024  


I would highly recommend Kathryn Harrison at mortgage choice as your mortgage broker. Kathryn recently assisted us in buying and selling at the same time, and her experience and guidance certainly eased our concerns. Kathryn was extremely responsive and kept us in the loop through the whole process.

12 May 2024  


Honest, knowledgeable, and friendly. Everything that you need from a mortgage broker. They will look after you and your finances

20 February 2024  


Fantastic service from Terry and Kathryn. Were very helpful helping me get my first home loan. Would highly recommend for anyone looking for a loan.

24 January 2024  


If you are looking for a genuine, down to earth, knowledgeable and approachable mortgage broker, you cant go past Kathryn and Terry. They made the whole process seamless and really supported us in achieving our goal of owning a home. I cant thank them enough xxx highly recommend

15 November 2023  


Terry was absolutely fantastic, so knowledgeable and patient.

12 May 2023  


It was a pleasure dealing with Terry Harrison. We were a bit complicated with 2 business, but Terry patiently worked through the options and got our loan over the line. He was very friendly and kind and made it very easy for us, coming to our home to sign the paperwork.

20 November 2022  


Mark Fenwick is your best asset, we wouldn’t be here utilising your services if it wasn’t for his professionalism & dedication to meeting his clients needs.

16 October 2022  


Mark was an amazing advisor throughout our remortgage process. He was always there to answer any questions and provided continuous updates throughout.

He has access to many different products and he broke down the costs and benefits of each one in a quick and easy way to read so that we could make a decision.

Very happy with the service and would happily recommend Mark and Smartline to friends and family.

07 August 2022  


The only reason I deal with Smartline is because of Terry Harrison. He got me my first loan a loooong time ago when I was 25 - almost 25 years ago - and he was manager of the local CUA branch in Toowoomba (now GSB). He has managed to do all my loans since, for personal and Self Managed Super Fund work. I have recommended Terry to family, friends and work colleagues and he has provided each and every one of them with the same level of service and genuine care that he has given me over the years. Terry and his wife Katherine are an absolute privilege to work with.

10 May 2022  


Mark was awesome. It was tricky at times and without his prompt actioning and frequent follow ups I'm not sure we would have got the great result we did.

19 April 2022  


Mark was great to deal with and kept me up to date with how our loan application was progressing. He communicated exceptionally well with me.

18 April 2022  


Our second time using Terry Harrison, once again he was incredibly helpful, nothing was too much trouble and made the whole process very easy

07 April 2022  


20 March 2022  


Terry and Mark have been amazing. The whole process has been straight forward and smooth. Both were supportive and helpful and made a stressful time a lot more comfortable. All questions were answered and both followed up continuously.

05 March 2022  


I have thoroughly enjoyed having Terry as a broker, he is approachable, easy to get a hold off and always well thought out.

02 March 2022  


Terry was a pleasure to work with. He was prompt, talented, respectful and able to support us through a new chapter that was easy to understand. Thanks again Terry

24 February 2022  


01 February 2022  


25 January 2022  


Terry was outstanding as always. I’ve lost count of how many times we’ve used his services. Set up our refinance options to suit our upcoming maternity leave exactly as requested. Thank you!

03 January 2022  


Terry is very reliable and professional. I really appreciated what he did to help during the whole process. Would recommend to people who need right loan solution.

28 December 2021  


04 December 2021  


Terry was highly recommended to us by a friend. He and Mark were super helpful and let us know what we needed to do and when it had to be done by. They walked us through the process and answered any of our first timer questions and let us know about things we had no knowledge of.

30 October 2021  


Terry Harrison is always fabulous. He has done several loans for me and he has always gone over and above. I always recommend Terry.

27 October 2021  


The Smartline team are excellent at keeping you up to date with where everything is at and so helpful with the process. Thank you

27 October 2021  


Mark was extremely patient with me, and was calm and clear on guiding me through the process with great communication and support at all times. Highly recommend for those unfamiliar with mortgaging, or remortgaging.

24 October 2021  


Simply amazing

07 October 2021  


Great experience with Terry. We were a difficult customer so appreciated the flexibility we had wit Terry. Nothing was difficult. Could not recommend Terry enough.

06 October 2021  


03 October 2021  


Terry Harrison was great! Knowledgeable, efficient and friendly. He provided suitable options and also got us a bonus! Thank you Terry - we will be back again soon.

17 September 2021  


I recently dealt with Terry and Mark who helped me refinance, as a single applicant I was worried about being eligible. Throughout the whole process I was informed each step of progression putting me at ease. Very professional and knowledgeable.

09 September 2021  


Kathryn Harrison is an excellent Adviser with superior knowledge of the industry and ability to understand the complexities of mortgage brokerage. She is very responsive, friendly and approachable and I would recommend her to anyone.

31 August 2021  


Great customer experience. Smartline was a pleasure to deal with and provided a comprehensive range of options to suit my needs.

23 August 2021  


Extremely knowledgeable and helpful. Terry has been working with us for many years. We wouldn’t trust our loan needs to anyone else!!

31 July 2021  


This issue the 3rd property I have purchased with Kathryn. I trust her completely. She understands what my needs are and she provides great advise tailored to me. I do recommend Kathryn to everyone I meet. Having Terry as backup when Kathryn is away means always having help and never feeling anxious or alone when external party demands increase or decisions need to be made. I would never use anyone else.

24 July 2021  


Terry provided professional easily accessible support and advice which was invaluable in progressing my aim of securing a competitive loan. I am grateful for Terry's assistance and guidance; I could not have negotiated the issues by myself. Thanks

15 July 2021  


01 July 2021  


Terry from Smartline has always been more than helpful and always available for advice. Very pleasant to deal with and gives very good directions and advice.

30 June 2021  


Terry was fantastic and persevering with our refinance even during such a busy banking time. We were very happy with the way he looked after us and did whatever he could to get us the best valuation.

28 June 2021  


17 May 2021  


Terry once again was extremely helpful and always keeps us in the loop as to the progress. Many thanks again Terry.

28 April 2021  


Super helpful and very informative advice re: loans, extremely responsive and able to quickly secure our loan in a tight timeframe. Made the entire process a breeze. Would highly recommend to anyone!

22 April 2021  


Terry was very professional and was great to work with. Especially with this being my first home, he spent the time to explain what was happening and what I required. I’m really happy with the service. Thank you

18 April 2021  


Kathryn and Terry continue to be the best adviser’s I have used. Their timely assistance has saved my finances on multiple occasions now..

31 March 2021  


16 March 2021  


07 March 2021  


15 February 2021  


26 January 2021  


10 January 2021  


Terry Harrison was exceptional. He went over and beyond what I expected. Purchasing property can be stressful but Terry made the process so simple and stress free. I wouldn’t hesitate to recommend Terry to my family and friends.

14 December 2020  


07 December 2020  


Just keep doing what you are doing!

15 October 2020  


Terry and Kathryn were fantastic from start to finish. They explained everything to us in a way we could understand, were thorough and kept us informed at every stage. We'd highly recommend their services!

05 August 2020  


05 August 2020  


This is the second time we have used Terry for our home loan application. Terry went above and beyond throughout the process. His professionalism and generosity.

27 July 2020  


Terry did a great job and we hope to use smartline again in the future.

29 June 2020  


Great support and service from Terry.

28 June 2020  


27 June 2020  


Terry did such a great job in finding us a loan that was suitable for our needs, had competitive rates and additional extras, and was relevant to us. Terry was always available to answer our questions and went above and beyond to help us!

22 June 2020  


Terry Harrison understood our requirements and recommended the best loan possible under the current circumstances. Terry was prompt and accurate with the information before, during and after the loan approvals and processing.

13 June 2020  


Friendly, knowledgable, professional and very helpful. All our financial requirements were met.

06 June 2020  


05 June 2020  


Made the whole process of refinancing easy. Good communication throughout and clear advice. Very happy with the outcome.

12 May 2020  


My advisor from Smartline came up with a very good solution to refinancing my loan when the major big banks weren’t interested in me. He not only found a lender, he helped me navigate everything throughout the process up to settlement day. Awesome!

29 February 2020  


The service provided by Terry Harrison goes above and beyond expectations. Actually could not achieve what I have without Terry’s expertise and guidance.

24 November 2019  


Terry is always outstanding with his brokering for us. This is the third time we’ve used him to broker for us. This was a challenging loan to secure and he went over and above to find the right lender and made the process seamless and so easy. Fantastic!!

29 October 2019  


We cannot say anything bad about Terry, awesome experience and very helpful.

21 October 2019  


Terry and Kathryn are fantastic at their job - makes purchasing such a breeze. Terry kept us in the loop throughout the whole process. This is the second time we’ve used them and it was as fussfree as the first time.

25 July 2019  


19 June 2019  


13 June 2019  


09 May 2019  


01 May 2019  


I've already recommended Terry to colleagues and friends, as he has been clear, concise and professional with his help.

28 April 2019  


We would not of been able to do this on our own - we are very grateful for KH, our broker.
She has enabled us to jag our first home !

02 April 2019  


Perfect as always

17 March 2019  


Kathryn went above and boyond through a very difficult process to get my finance over the line. I cannot thank her and Terry enough. 5 stars all the way!

13 March 2019  


Terry was very professional as always.

23 February 2019  


Terry and Kathryn did a great job - thanks

29 January 2019  


Terry went above and beyond our expectations in every way. We could not fault him and would recommend Terry as a extremely good operator.

Kind regards

Ian and Karen Hislop

29 January 2019  


Terry is very knowledgeable and was able to be depended on to assist me with achieving my goals. Excellent service.

20 January 2019  


Excellent customer service and outcome in all ways

10 January 2019  


Terry was outstanding in all ways as you will see above. My only suggestion for improvement would be a congratulations call on settlement day for my property purchase ??

04 January 2019  


I said this to Terry personally durin the process ‘we don’t know how we would have been able to do this without you’.

Terry was very helpful, extremely knowledgeable and took the time to understand our position before he provided advice. We will have no hesitation in recommending him to our friends.

Thank you, Terry!

09 November 2018  


Terry, always meets our needs, he's awesome

09 November 2018  


Terry and Kathryn have amazing work ethic and tenacity and always go the extra mile. I have worked with them for many years and they always find a way to make it work. Thank you

24 October 2018  


11 October 2018  


It was a breeze working with Terry. He was very helpful and informative.

12 September 2018  


Terry and Kathryn were outstanding through our loan process. Not only did they help us refinance but also the loan to purchase our first investment property. They were so flexible and even came out to Warwick to sign the paperwork and gift us with a lovely gift basket. Would recommend them to anyone.

05 September 2018  


Terry is a genuine and professional mortgage broker and also very realistic in his assessments.

03 September 2018  


Terry was excellent in negotiating the best loan for me and my personal circumstances. He was very flexible with working around my busy work hours. I really appreciated the effort in keeping me up to date with how my loan application was progressing. He was also great at managing my tight timeline for settlement. I cannot recommend him highly enough, fantastic job!

01 August 2018  


12 June 2018  


12 May 2018  


11 May 2018  


07 April 2018  


28 February 2018  


Terry, always meets our needs, he's awesome

27 February 2018  


26 February 2018  


12 February 2018  


09 January 2018  


20 October 2017  


My Wife and I were thoroughly impressed with how efficient Terry Harrison was through both the mortgage processes we have utilised him.
He was very knowledgeable, helpful and genuine.
We would have no hesitation in recommending Terry and his Wife Katherine to anyone!

27 September 2017  


Terry was wonderful from beginning to end. He was incredibly responsive and available to suit our schedule and needs. He made the process that much easier and less stressful- which was really important to us as first home buyers. We have already recommended Terry to others and will continue to do so. He will also be our first call when we are ready to re-finance and/or buy again!

15 September 2017  


Terry was very professional, well organised, knowledgeable, friendly and a pleasure to work with. Terry accommodated our schedule by driving out to meet us at our house at times that worked best for us. Terry was not just knowledgable on the mortgage related products, he was also a great source of knowledge on the house buying process in general and helped us through the entire process. Terry greatly reduced the overall effort and document preparation related work for us. Terry was more than happy to respond to phone calls and questions at short notice, during the week and on weekends. We look forward to working with Terry again in the future.

14 August 2017  


25 May 2017  


The service was extremely professional and friendly. I'd strongly recommend Terry to anyone looking for a mortgage adviser

15 May 2017  


Terry could not have been more professional. I was always keep informed during the Home loan process and each step was explained throughly. As a first home buyer is was comforting knowing that i had someone who was very approacable and always provided prompt advice with a high level of detail. I would highly recommend Terry Harrison from Smartline for any loan requirements. Thanks for everything. Daniel Trouw

05 February 2017  


Always exceptional customer service and I really value Terry and Katherine as trusted advisors whose knowledge I can rely on.

25 January 2017  


Terry was beyond professional throughout the entire process. I could not recommend him highly enough for the great results he provided me.
I work abroad with limited access to documents at times, Terry was able to help me solve any issues that arose.
Without his assistance I would not have been able to purchase my house. I will recommend Terry to my friends and family and intend to use him again in the future.

08 December 2016  


Terry was able to source a better product than I expected and the followup and contact throughout the process was outstanding.

15 October 2016  


10 June 2016  


Terry was very friendly and kept us informed throughout the whole process.

10 April 2016  


Terry is always helpful and communicates well above expectations.

16 February 2016  


Terry Harrison was a great help and made the whole process of obtaining a home loan painless. He was always available to answer any questions and talk us through anything we didn't understand. He was recommended to us by family and we wouldn't hesitate to recommend him to other family and friends.

07 January 2016  


My Adviser was easy to contact always by any means; email or a phone call and answered all of my questions through the process of buying land and building a house over a 12 month period

04 January 2016  


I found Terry to be very helpful. He talked me through the whole process and was easily contactable.

07 December 2015  


We found Katherine very helpful, and attended to matters with great expediency. We really appreciated her efforts

13 November 2015  


Kathryn not only gave me great advice, she directed the process all the way making this process personal and painless.

08 November 2015  


Kathryn was extremely helpful in more ways than one! I am very satisfied and would recommend her highly!

16 October 2015  


Kathryn was fantastic to deal with - knowledgeable, patient and so very helpful. We would never have navigated refinancing our loan without her guidance and assistance. Thank you Kathryn!

16 October 2015  


Terry has been so responsive and worked hard to ensure we could make our next dream a reality. We have worked with Terry for many years now over multiple different properties and he always delivers and offers a high level of service. It is always a pleasure dealing with Terry, an added bonus given the situation of finance approval is stressful. Thanks Terry and nice work!
Jo and Rob

01 October 2015  


I really appreciate all the support and assistance Terry gave me. I will be recommending Terry to anyone that I know who needs a loan. He was fantastic to deal with, very professional and has great knowledge.

22 September 2015  


18 August 2015  


We found our personal mortgage adviser Terry Harrison from Smartline very easy to do business with, he explained every thing in our language which we very much appreciated. We would strongly recommend Smartline to anyone wanting an adviser to assist them. Len & Kath Boughton

09 August 2015  


09 July 2015  


Terry was absolutely fantastic from start to end, always keeping me informed and chasing up anything I enquired on. I would highly recommend Terry to anyone looking for service and advice while applying for a loan.

31 May 2015  


27 May 2015  


Buying a home on my own following a relationship breakdown was daunting. My old bank and another mortgage broker I saw first didn't listen to what I needed and said the loan I wanted wasn't possible. That's when a friend told me about Kathryn from Smartline. She really listened to what I needed and calmly stepped me through the process. I am very happy with my new mortgage that is exactly right form me. Thanks for the personalised and professional service.

13 May 2015  


Terry is a truely a customer focussed professional providing well researched and reputable products. Terry does what he says he will do promptly and without fuss. Terry is obliging and sincere in his efforts to make sure the loan process is calm and smooth through to completion. His post loan service care is also of an exceptionally high standard. The bottom line is Terry Harrison makes Smartline look good in every way - so I hope he is promoted as the standard / role model for others in the company. I should also note that Terry has recently helped my daughter with her first home loan and yet again his advice and support was outstanding at every stage.

08 April 2015  


Having Terry on board made the process of buying a house so much easier. I would and will be recommending him to any one I know if the market of home loan.

02 April 2015  


Both Terry and Kathryn Harrison were friendly and extremely helpful. They recommended and got for us a loan suitable for our needs at an excellent rate.

19 March 2015  


Terry was amazing right though our extra complicated and drawn out recent house purchase. He went above and beyond to help us purchase our dream home- despite some difficult circumstances. He kept us informed every step of the way, and we wouldn't hesitate recommending his services.

10 March 2015  


Our advisor was very knowledgeable, helpful and patient. Thank you for your service!

09 March 2015  


We have had previous dealings with Terry, and each time he is courteous and polite, informative and a wealth of great knowledge with regards to the products he is offering. I would definitely recommend him to others. Terry and Kathryn are assets to Smartline.

20 February 2015  


Terry has been an absolute dream to work with. Being our first home he has been so helpful with explaining the process. I recommended him to a friend who went through Terry she was also very happy.

19 February 2015  


The service provided by Terry Harrison was flawless and exemplary. Even when mail was misdirected he
Managed to keep things moving forward with incredible ease. His understanding and knowledge gave me confidence in my refinance.

31 December 2014  


22 December 2014  


Despite the many obstacles and constant difficulties in dealing with he bank Terry went 'above-and-beyond' with his effort in getting us into our own home. We spoke so many times during the process (he was always available) he now feels like part of the family. Even though the loan is now finalised he still is assisting us with a few bits and pieces left over from the process. We wouldn't want to go through the same thing again but if we had to we'd be glad to do it with Terry by our side.

04 November 2014  


Terry is an absolutely lovely guy, he is very easy to deal with. We feel he always follows through on what he promises and always strives to get the best for us,we would highly recommend him to all our friends and family. Such a pleasure to know and deal with. I would say he would be and excellent asset to the company. kind regards
Rachel Bayard

24 October 2014  


22 October 2014  


10 October 2014  


Terry and Kathryn really made the process a breeze. We've used them before and were impressed, so it was great to see the service and advice met the same standard again. We would happily recommend them to anyone looking for an adviser.

13 August 2014  


08 August 2014  


16 May 2014  


Terry made this process so easy and so manageable for us and was so pleasant, professional and supportive in the process. Will continue to recommend him to any of my friends pursuing advice or a loan.

30 March 2014  


28 March 2014  


Terry has been an integral part of my financial dealings since my very first loan when the bank I was with refused to help (back in late 90's). I have recommended numerous people to Terry and will continue to do so. He is an asset to the Smartline family. Terry's expertise and his ability to go above and beyond the call are fantastic qualities.

26 March 2014  


please note - i think the adviser's name should be changed to Terry on the dropdowns. Terry was always approachable and kept me up to date throughout the process. I would definately recommend him.

17 February 2014  


Terry was very supportive and was able to answer all our questions in a proper and timely manner. I would highly recommend him to any others wishing to purchase a property.

16 October 2013  


Terry has been very helpful to us and provided a much more professional approach than CUA's actual loan officers. We would not hesitate to call on Terry again if the need arises.

25 September 2013  


01 August 2013  


Thankyou Terry for helping to ensure that our first home purchase went smoothly. Your sound advice and pro-active but friendly attitude was very helpful in getting us through the process. Many thanks, Steve and Rick.

28 June 2013  


Terry Harrison was extremely helpful throughout the entire process. Terry was professional and were very appreciative of his assistance.

26 June 2013  


Kept in constant contact and applied firm yet polite pressure to the bank to get on with it!! Would recommend to friends and family

15 June 2013  


The only thing i would suggest is that you explain to customers that payout figures from an existing loan can change dramatically on a a daily basis ie:- I was quoted $724.00 as a payout figure of my previous loan and then 3 weeks later that figure blew out to $2106.00 which i hadnt allowed for.

03 May 2013  


Terry's service and advice has been exceptional - nothing has been too much trouble in fact he has gone above and beyond in every aspect the loan process. It is not very often that you come across a professional service that can full fill the marketing pitch with such integrity and completeness the way Terry has for us. With Terry in our corner we felt assured that nothing was left to chance and that he always had our best interest in mind. Terry's fantastic communication and follow-up at least made the "waiting game“ somewhat more bearable. Hence we have nothing but praise for Terry's work and service - absolutely the best in the business.

04 March 2013  


We have worked with Terry for some years and he has always been incredibly helpful and a pleasure to work with, very informative, great and timely communication.

31 January 2013  


16 January 2013  


Terry was awesome, great to deal with. Lovely guy!!!!!

30 December 2012  


Terry was very helpful in obtaining our mortgage in a short timeframe. He gave us sound advice throughout the process. Thank you Terry!

19 December 2012  


I find financial matters really difficult and nerve wracking. However Terry really helped tp make this difficult process one of the best experiences I have had in making major life changes. His careful, comprehensive and empathetic approach really helped me. I am very grateful for his swift and excellent assistance.

14 November 2012  


Long before it became trendy in advertising, I knew my local bank manager by name. Terry advised me on my first car loan, then my first home loan. Many years, and loans, later he is still providing trustworthy advice, exceptional customer service and valuable products through Smartline.

20 October 2012  


08 August 2012  


Terry made the whole process easy and will recommend him to as many people possible

03 August 2012  


13 July 2012  


10 July 2012  


Terry Harrison is a true professional. He is approachable, informative and constantly works to ensure that you are informed every step of the way. I have used Terry on several occassions to organise my investment loans and would go to no other person whilst he is available.

24 May 2012  


Terry was a pleasure to deal - his promptness and attention to detail made the loan process exceptionally easy. Thanks Terry

02 April 2012  

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