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Theo Krinos


Average client rating
5/5 From 96 Reviews

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Great service from Theo as allways , would highly recomend Theo and Smartline.

18 July 2022  


Theo was amazing! He answered all my questions and helped me buy my first home with ease. Thank you Theo, you made me first home buying experience so wonderful.

11 July 2022  


Theo is the man. He Was prompt and straight to the point. Also learnt a lot of the bloke. Highly recommended.

07 July 2022  


Theo made an incredibly daunting situation understandable and helped talk me through the best options. Now I'm in my new home and feel like it was so easy because of the team I had helping me. Definitely recommend using Smartline as your mortgage brokers, especially if you are a first time homeowner

07 June 2022  


Theo is fantastic, he made the process understandable and was readily available to answer any questions

07 June 2022  


We have used Theo a number of times now and he is always great to deal with.

29 May 2022  


We found Theo 25 years ago and wouldn't use anyone else.
Professionalism through and through.

21 May 2022  


We found Theo 25 years ago and wouldn't use anyone else.
Professionalism through and through.

21 May 2022  


Theo and the team at smart line made everything easy especially as going through divorce this side of life was all new to me
Thanks again
Malc j

28 March 2022  


Theo is a legend

15 February 2022  


Very professional

30 December 2021  


Very grateful for Theo's expertise and help.

05 October 2021  


the service from Theo was excellent, kept us inform all the way, very happy to deal with Theo and will for more years to come

21 September 2021  


Thank you to Theo for his help ,meeting us late after work ..

04 August 2021  


Theo is a legend nice well spoken person

22 July 2021  


Theo was amazing throughout the purchase of my first home. He answered every question and had great advice.

05 July 2021  


His professional conduct was very welcomed.. he explain everything very clearly , in what could be confusing in the banking world.

11 June 2021  


I tried to get bank appointments with no luck talked to smartline and things happened straight away always kept me informed throughout the process would highly recommend them

27 May 2021  


11 May 2021  


30 April 2021  


Theo is very personable and professional. We look forward to working with Theo for years to come.

28 April 2021  


Theo has been an excellent adviser. At every step of the home loan process he was able to answer any questions thoroughly and with out any confusing industry jargon.
I will definitely be using Theo for future purchases and advise.

07 April 2021  


Theo did an awesome job. He couldn’t do enough for us. I highly recommend Smartline for any of your financial needs. Thanks Theo and the team at Smartline.

03 April 2021  


Theo Krinos was fantastic. Very knowledgeable and great communicator kept me informed with everything that was going on. Definitely made my experience a lot less stressful. I recommend Smartline to family and friends for sure.

01 March 2021  


15 February 2021  


01 January 2021  


26 December 2020  


Theo is absolutely amazing and very helpful. He is a thorough professional and a valuable asset to Smartline. Will happily recommend him.

03 December 2020  


22 November 2020  


We dealt with Theo.
He was helpful, well informed and found us the best loan. He was easy to talk to and answered all calls and emails promptly and with all the answers.
I’d recommend Theo to anyone.

29 October 2020  


30 September 2020  


Not only did Gary Liebregts take all the stress from this process but he was the best throughout. Keeping me updated and answering my many questions, he has helped me take a step forward in life that I never thought I could have ever taken myself. I cannot believe this is happening and I cannot wait to be in my own home. Having smartline meant I could focus more on other areas of my prebuild and I dont even want to imagine what it could have been like without the assist. For anyone who are looking for a mortgage broker you should definelty look into smartline it was the best decision I made.

29 September 2020  


Julie is fantastic

29 September 2020  


29 September 2020  


04 September 2020  


Theo was helpful and informative from start to finish and would highly recommend his services. Thank you Theo krinos

28 April 2020  


Theo made the whole process extremely easy and kept me informed and updated.
He was also very informative and helpful. I’d gladly recommend Theo to all of my family and friends.

27 March 2020  


We couldn’t be happier with Theo and the Smartline team we dealt with here in Bunbury, 10/10 for the service they provided and the guidance & support they gave us.

Many thanks, much appreciated

25 January 2020  


Theo did an excellent job throughout the process, exceeding all expectations and going above and beyond to get the right home loan for me. I will definitely we recommending Theo to all family and friends.

25 January 2020  


Theo was very helpful and i would recommend him to anyone who is looking for a broker without hesitation.

22 January 2020  


Amazing support and advice. Very very impressed with all that they did.

30 September 2019  


Michele went above and beyond for us purchasing our dream home. She has kept in touch to ensure we are getting the best rate possible. Highly recommended!

30 September 2019  


Dealing with Theo Krinos was an absolute breeze, I couldn’t recommend him anymore. Thanks once again

09 May 2019  


Theo was very helpful & knowledgeable. He made the switch to another lender very easy & found a very competitive product for us. This is the second time he has helped with our mortgage needs, and we highly recommend his services.

23 April 2019  


14 April 2019  


15 March 2019  


19 February 2019  


Theo and the team have uncomplicated the process of buying my first home. Each step and decision was clearly explained in straightforward language. Would recommend them to anyone.

30 January 2019  


25 January 2019  


03 January 2019  


06 December 2018  


06 September 2018  


02 September 2018  


Theo is a pleasure to deal with and I am always recommending him to friends who might be looking for a new home loan. Thanks Theo :)

15 June 2018  


Our advisor was amazing, always offering a prompt, professional service and doing everything he could for us and get the best possible outcome. I would certainly recommend Theo to all my friends and family. Such a pleasant person to deal with.

29 May 2018  


07 April 2018  


14 January 2018  


Thanks to Theo and smartline team in Bunbury for facilitating my home loan in a efficient and friendly manner.I have already rung Theo to express my thanks for advice he gave me as this was quite daunting for me not being that financially minded.If I am ever in the position where I needed mortage service in future and Theo has retired I would use another of smartline\'s advisors,


Mathew Peters

14 September 2017  


06 June 2017  


Excellent service, would recommend to others

22 May 2017  


27 April 2017  


Being a young guy and this being my first mortgage Theo went out of his way to ensure I was kept up to date on the process and explain anything I didn\'t understand. He kept me informed and I will be recommending him anyone I know that needs a loan.

07 April 2017  


Have used Theo on 4 occasions wouldn\'t do it any other way

04 February 2017  


This was the second time I used Smartline to help me purchase a property. I cannot speak more highly about the professional service I received. Nothing was too much trouble, and me, not being the the sharpest tack in the box , it was just too easy. I would thoroughly recommend their professional services to anyone who is thinking of buying a property in the Bunbury area. Theo really knows his stuff.

13 January 2017  


06 November 2016  


21 October 2016  


Theo was extremely professional and knowledgeable.

He provided an exceptionally high level of support and ensured I fully understood the range of options available to me.

12 September 2016  


Excellent personal service, readily contactable, made the experience smooth and stress free.

30 January 2016  


This was the second time that we have had the opportunity to use the services of Theo and his team at Smartline. We have found his service to be of a highly professional standard with Theo keeping us up to date with the progress of our application and settlement. The whole process was so easy and went so much faster than we had expected to the extent that we ended owning our new investment property within two months of starting looking. A big thankyou to Theo and Michelle and all at Smartline.

12 January 2016  


Theo Krinos at Smartline Bunbury has been exceptional in his advice and service in regards to my past and current home loans. I have personally endorsed him to friends of mine who also share the same sentiments after Theo personally looked after their financial requirements. Theo\'s service and advice is second to none which is why I will continue to use his services well into the future.

30 December 2015  


28 July 2015  


Theo has completed three of my home loan applications & has always taken great initiative to ensure my expectations are meet and making him self available after hours to meet me at my convinience

09 July 2015  


10 June 2015  


Theo looks after me so well that I would follow him if he moved company. I trust that he will always do the best for me.

29 May 2015  


23 May 2015  


The service I received from Theo Krinos at Smartline was nothing short of professional. All my questions were answered and I was keep informed promptly every step of the way to end up with a mortgage which suits all of my needs. Thank you for making this part of the loan process so smooth and easy to understand.

22 April 2015  


Theo is very professional. Gets back to you immediately and even on weekends. keeps you informed on a regular basis what is happening. We are very happy with the service Theo has provided us. Thank you Theo.

23 March 2015  


I was very happy with the service I received. A lot of helpful advise and direction was given. I have already recommended Theo and his staff to friends.

16 February 2015  


12 September 2014  


01 June 2014  


Theo was very proffessional in his approach and convance of information, He has a great communication approach and i was very happy with the outcome. I would recommend Theo to anyone I know to contact him to do buisness.

09 May 2014  


To whom it concerns; Theo Krinos made the task of sorting and arranging our finance a breeze. His recommendations were spot on and Theo conducted business in a very professional manner. He kept us informed all along and followed through his tasks to our expectations. Highly recommended to others. Regards Murray O'Byrne

22 March 2014  



07 February 2014  


Phil did a great job and displayed outstanding interpersonal and customer service skills. I am a little concerned that he continues to display excessive amounts of Fremantle Docker paraphernalia in his office though - a little off putting for a Melbourne Man. Feel free to pass that on!!. Seriously- great job Phil!! Thanks mate. Wayne and Kerry Bevis

07 February 2014  


I have been dealing with the mortgage gallery for about 20 years now. They have a good knowledge of all the products available and what works best for myself. They have also helped my friends and family members that I have recommended to see them when they have not been able to get loans via their banks.

05 January 2014  


11 December 2013  


07 November 2013  


Theo always made time to see us when we needed to, he returned phone calls and emails promptly. Theo also took the time to explain things to us we didn't understand. Great service. We will definitely be seeing Theo again in the future :)

27 October 2013  


29 May 2013  


Theo provided very sound, and timely advise and all aspects of the process proceeded smoothly and without complications as he had indicated. my partner and I are very pleased with all aspects of our interaction with Theo. I have and will continue to recommend him highly to all our family and friends.

18 April 2013  


Theo was fantastic, very quick to respond to any queries I had.

19 January 2013  


I would like to compliment and recommend the Advisor Mr Theo Krinos for his personal and professional approach at all times. He was diligent with the process we required in a very short space of time and for this we were very appriciative. Many thanks. May i request this comment be passed on to Theo. Regards Pam Trezise

07 January 2013  


Extremely professional, very knowledgeable, excellent service

17 December 2012  


I would like to thank Theo Krinos for all the work he did in finding me a lender for my first house. Greatly appreciated.

14 December 2012  


02 October 2012  


06 July 2012  

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