Mortgage Choice logo
Tracey Kyle


Average client rating
4.7/5 From 183 Reviews

Sort by

Tracey is my broker of choice, she is professional, personable and very knowledgeable in all facets of lending. Tracey helped my save a lot of money with my current lender by reviewing my existing loan and helped me to negotiate a new interest rate which was a lot lower than i was currently paying, cannot thank her enough.

17 March 2023  


I have had the pleasure of dealing with Tracey for a few years now. I cannot recommend her enough, her professionalism, knowledge and warmth are unquestionable. She is always available to answer any question you may have, no matter how big or small. When it comes to attaining a mortgage, I wouldn't deal with anyone else.

13 February 2023  


Word of mouth is a powerful thing! Tracey, you have done wonders in getting me, to where i am now, you made it possible for me to get into my new home after 4 yrs of renting. You gave us a list of things to work too & with a few speed bumps along the way, loan came in as unconditional from Adelaide bank.
Thank you for your patience & doing your thing, im truly grateful.

Darryn Millard

07 September 2022  


25 July 2022  


26 May 2022  


We had the pleasure of dealing with Allan Thompson from Smart Line for our recent home loan and could not be happier with the service he provided from start to finish, he treated us with us with respect throughout the whole process and the professionalism he showed was unparalleled with any service we have received in any other industry.

15 May 2022  


I have already recommended Tracey to friends, especially my female friends who I think would appreciate her support and encouragement. Also, I realise that she got me a great deal on my loan

29 April 2022  


Tracey is wonderful to work with. Second time Tracey has helped me and each time there is a hurdle, she had been able to help me rectify the issue with efficiency. Tracey is professional and very knowledgable. Highly recommended.

18 February 2022  


I would highly recommend Allan
to all who require a loan.
His clear and honest responses to questions about my loan made the journey very easy and the end outcome was perfect.
Thank you Allan and Smartline.

18 November 2021  


I found Tracey to be easily contactable and knowledgeable. She kept me informed through the whole loan approval process which I appreciated as it can be a stressful time. Tracey was professional at all times & I was extremely satisfied with the service I received.

09 September 2021  


28 July 2021  


Great response, knowledgeable service, thank you

28 July 2021  


Tracey is INCREDIBLE and i refer all of my clients to her as well as utilising her for all my lending needs. Could not be happier with her service. She is matter of fact, passionate, responsive and just gets it done. She is honest and reliable. You will not find a more considerate and action oriented broker. Thanks Tracey for all you do for us! And for my clients at Ladies with Tradies!

22 July 2021  


Thank you Tracey for your professional mortgage advice helping us refinancing successfully with a hassle free and highly satisfactory experience. We highly recommend Tracey!

21 July 2021  


20 July 2021  


I have been dealing with Tracey Kyle for a number of years. Tracey has helped us find the best home loan solutions on a number of occasions and each time we are left more satisfied than the last. Her commitment to her clients and her genuine caring nature are a rarity in today's high pressure world. We would not use another broker.

20 July 2021  


I found what I was looking for with smart line
Tracy went Above and beyond to help me .
I Recommend this business to anyone .

20 July 2021  


Tracey is so easy to deal with and made the whole process very smooth. She found a loan to fit our current needs exactly! Highly Highly recommend.

20 July 2021  


Tracey at Smartline was fantastic to deal with and went above and beyond to get the result I was after. I would highly recommend Tracey and Smartline for anyone looking at mortgage brokers.

19 July 2021  


Tracey was very professional and kept in great contact with us throughout the whole process, highly recommend

19 July 2021  


Hi, I have had Tracey as my property broker for 2 years now, has been very professional and responsive to my investment needs.
I would highly recommend her in your investment team.


19 July 2021  


Tracey supported us through purchasing our new home and she went over and above with her job. Tracey was very clear and professional with great communication all the way through. I would recommend Tracy to anyone.

19 July 2021  


Tracey has always been so helpful when dealing with our home loan.

19 July 2021  


19 July 2021  


Tracey was great to deal with. Very hard working and professional with our particular unique case. Will be utilising tracey in the future

19 July 2021  


I would highly recommend Tracey Kyle to absolutely anyone. She has a wealth of knowledge, is extremely professional and personable. Tracey handled our affairs brilliantly. She is always available no matter how big or small your query is. Definitely in good hands.

18 July 2021  


Tracey helped me navigate through all the paperwork and red tape involved in purchasing my first home. She was professional throughout the whole process and readily helped me sort through all issues that cropped up. Thanks so much for all your help. Highly recommended.

18 July 2021  


18 July 2021  


Tracey was very informative and helpful in the refinance of our home, she was responsive and extremely professional.
Thank you Tracey

18 July 2021  


Tracey was very friendly, approachable and knowledgable. As a first time property buyer, it was very helpful that she guided me through the whole process and made it easy. Highly recommended.

22 June 2021  


Tracey was fantastic under trying circumstances, I would have no hesitation in recommending her to friends and family. Thanks again for all your help Tracey!

02 June 2021  


Tracey has continued to provide exceptional support and high levels of customer service. This is the 3rd loan she has assisted me to secure - I can't thank her enough!

21 February 2021  


This is the second time I have used Tracey Kyle for my loan needs. She makes the whole process straight forward and easy. I would highly recommend her to family and friends.

31 January 2021  


Tracey was very friendly, professional and reassuring all the way through. So happy with the service and the end result. Thank you.

28 January 2021  


Alan was helpful and supportive throughout the process.

19 January 2021  


Tracey is always approachable and helpful. I would recommend her services to anyone.

17 January 2021  


Tracey was amazing and I have already recommended her to other family members. Always exceeds my expectations :) Fantastic job Tracey Kyle !!!!

11 January 2021  


I have used Alan at Smartline now for several loans. I keep going back because the advice and service is excellent. Alan was able to understand my needs and find a range of suitable product options for me to consider. Highly recommended.

05 October 2020  


Allan has organized my first home loan over 25 years ago and my latest one just now. He has impressed me then and now delivered the goods again in an exemplary fashion. Thank you Allan

24 September 2020  


21 September 2020  


Lenders these days require a lot of information; Tracey at Smartline was able to guide us through the myriad of documentation to get us a great loan.

24 August 2020  


Thank you again for Tracey for looking after the entire process and keeping all of us informed. It was a pleasure dealing with you, and will be seeking your advise and your services again in the future.

08 July 2020  


Tracey was amazing, she is the by far the best broker I've used. I have been using mortgage brokers for 22 years and Tracey has been the most knowledgeable, efficient and easiest mortgage I have experienced. Will highly recommend Tracey to family & f

14 June 2020  


Tracey Kyle helped me secure my first mortgage 15 years ago. She made a nerve racking experience so comfortable and left me trusting her 100%....this is why I called on her recently to assist me with a new mortgage and start the next chapter.

08 April 2020  


02 March 2020  


27 January 2020  


Allan was fantastic and I would recommend him to friends and family. He made the process very simple.

23 December 2019  


Fantastic service. Very pleased with the process and outcome.

11 August 2019  


Tracey has been very accessible the whole way and her advice has been incredibly helpful. We could not have achieved our goals without her help.

08 April 2019  


My Smartline broker took all the stress, worry, work and anxiety out of getting finance for me. I felt supported and confident through the whole process not to mention getting great rates, suitable terms and quick turnaround time. I really appreciate the work my Smartline broker put in.

31 March 2019  


12 March 2019  


Was an excellent service by Tracey Kyle she kept us well informed throughout the whole process, she was allways available to talk too and gave excellent advice, we would also recommend her to other people in the same position.

04 January 2019  



19 December 2018  


Allan's suggestion for my refinancing was just a perfect fit for me. The paperwork was simple and took me no time to complete. The loan was funded well before I expected. Allan just makes it so easy.

19 December 2018  


Tracey & Allan take all the difficulty out of getting a mortgage by suggesting the best loan option, managing all the paperwork and seeing the process through to completion. No hassle, no anxiety!

05 December 2018  


Tracey has excellent service and communication and explains all aspects of the service she provides
Regards Adam

14 October 2018  


Very happy. This is our second time working with Allan. Once again he provided a no fuss, get the job done result. We have already passed on his details to friends, and we will continue to seek his services when the time comes.

07 October 2018  


14 September 2018  


Tracey was amazing and kept me informed throughout the whole process and went out of her way to get the loan organized in time for a 30 day settlement! Very professional and discrete and a delight to deal with. :)

06 September 2018  


Hi Tracey,
Was amazing,she gave us the correct advice..! I would glad to recommend her to my friends and family.


21 August 2018  


great service. really helpful.

20 April 2018  


06 December 2017  


30 November 2017  


Tracey was awesome to deal with and helped keep our mind at ease throughout the whole process.
we would have know problem with recommending family and friends to use Tracey and Smartline.

23 October 2017  


Tracey Kyle was fantastic, she kept me informed every step of the way and made the whole process very easy. She was also able to find me a great interest rate. Cant thank her enough

18 October 2017  


26 May 2017  


Tracey Kyle is prompt and efficient, she was able to set us up with a lender that offered a very low rate and met all our needs. Tracey has assisted us since 2011; firstly when building a new home then in moving interstate and purchasing another home. Tracey has been able to continually assist us to access the most competitive lenders during this time and has made our journey a lot less stressful. Thankyou Tracey!

10 May 2017  


13 February 2017  


Tracey, has been our broker for around 10 years, we appreciate that she keeps a file of our info and expediates any process. We appreciate her service, quick, easy and no fuss.
Thankyou Tracey

03 February 2017  


meet all expectation

01 February 2017  


Tracey provided us with excellent service and made the process run smoothly and less stressful. Would highly recommend to others.

24 November 2016  


16 November 2016  


Allan provides efficient friendly service. I highly recommend Allan for your finance needs

17 April 2016  


Allan is always very efficient with every aspect of his job and is very friendly to chat to to.
He has been a big help and i will continue to use him in future prospects.

21 January 2016  


This is the second time I have used Smartline and my advisor Tracey Kyle and the process both times has been flawless. Tracey is always contactable and professional. The process of refinancing is sometimes a worry, but this was an easy process thanks to Tracey. Keep up the great work!

05 December 2015  


15 October 2015  


Tracey went above & way beyond our expectations. Tracey was with us every step of the way. I have even recommended Tracey Kyle to a few friends looking for a home loan because I trust & believe in Tracey to find a suitable loan for anyone & get them over the line into a new home.

12 October 2015  


23 September 2015  


From the outset Alan was very easy to work with. Nothing was too much trouble for him and the normally very stressful task of refinancing a mortgage was made really easy. Working with Smartline as opposed to working directly with any of the \'big four\' was definitely preferable. I was treated like an individual with specific needs and wishes rather than being treated as a \'number\'. I am really grateful for the services provided by Alan and Smartline.

18 September 2015  


It\'s great that Allan comes to your house to discuss the best options for you. He has some great advice. Everyone in my family uses him for their mortgages and our first mortgage was done by him.
This time in fortunately after a week or so of waiting the loan documents were incorrect when I went to westpac to sign them. After that it took so long to rewrite them that I got fed up waiting . After 6 weeks of waiting I\'ve gone back to commonwealth bank and had my loan contracts printed on the same day. My gut feeling was to stay with cba and I was right in the end. Just wasted a lot of time finding that out.

12 September 2015  


12 August 2015  


Fantastic service
Great result.

08 July 2015  


04 July 2015  


Tracey was great always following up and keeping me informed, she is very experienced and made everything feel like it was all under control. Thank you

12 April 2015  


I have always found Tracey to be very a knowledgable about the process. I also have noticed that 99.9% of the time she is contactable. Highly recommend. We have been working with Tracey since 2006.

26 February 2015  


05 January 2015  


09 December 2014  


15 November 2014  


Tracey is not only lovely to deal with, her product knowledge and understanding made it so easy for us. I have already recommended Tracey to a few people and certainly will keep doing so.

05 September 2014  


I would still not have a house today if i did not go through smartline. The way my situation was at the time, smartline were extremely helpful and Tracey, my advisor could not have explained or been more helpfu right through the whole process on getting a loan. Highly recommended and i would not hesitate to recomend to other people in a position i was in. A1

06 May 2014  


04 November 2013  


Tracey provided EXCEPTIONAL service throughout the entire process - she went out of her way to keep us informed and exceeded all our expectations. We are now the proud owners of our first home with a mortgage that meets our needs and matches our lifestyle and financial position. Thanks Tracey!!

17 July 2013  


Thanks to Allan's expertise and tireless efforts, I received a favorable outcome to my refinancing needs. I wish I could have done this a few years earlier, which would have saved a lot of interest on mortgage repayments. As in my case, it is never too late to give it a shot. I would not hesitate to recommend Allan from Smartline to any future client.

09 July 2013  


l could not be happier with the service and advice Allan gave us, also the professional conduct shown by Allan Thompson was second to none , l would highly recomend Allan and Smartline to anyone looking to finance their home, Regards, Rohan

08 July 2013  


Tracey was brilliant - she was professional and approachable and made the entire process very simple.

15 February 2013  


11 February 2013  


Allan Thompson our Smartline adviser made getting a loan an easy and pleasurale experience, thanks Allan for your great service.

23 January 2013  


10 January 2013  


07 January 2013  


Tracey was always available when I needed to talk to her either by phone or e-mail. She gave me great comfort at times when I didn't really know what I was doing as I am sub dividing my property. When the time came to take out a loan I left everything to her in my opinion I couldn't have accomplished this goal without Tracey.

13 December 2012  


16 November 2012  


04 November 2012  


17 October 2012  


Keep up the excellent work Mrs Tracey Kyle and thank you so much for your assistance and advice in regards to our loan. We will be contacting you again when we need assistants in the future. Regards
Nicole Foy

10 September 2012  


08 June 2012  


The whole process took far to long, interest rates where no where near as low as originally told & there had been no rises that we had been told about & seem to be 2 ideas of the value of value of our house, so not enough money was borrowed. It was very stressfull time.

05 June 2012  


Tracey Kyle was fantastic, she kepted in contact with us all the way through the loan. She was friendly and we felt very confortable dealing with her. I would recommend her to all of my family and friends. Kind regards Julie Warren

25 May 2012  


Service very good didnt have to worry our advisor had it under control thank you for all your help and guidance - a job well done and appreciated.

08 May 2012  


Tracey was great, she went over and beyond her role for me. I have already recommended her to others.

07 May 2012  


03 March 2012  


Informative. Knew the products and the syetems very well.

22 December 2011  


15 December 2011  


Tracey spent a large amount of time with our loan and getting our refinance, even to the extent of using a bank that from my understanding is not one that is generally used too often by smart line.

07 November 2011  


04 November 2011  


24 October 2011  


Collins Security was difficult to deal with. Applied for a mortgage in January took till May to complete and settle

26 July 2011  


17 June 2011  


Tracey was very helpful and kept us up to date all the way threw.

27 April 2011  


I liked the fact that my adviser was extremely helpful and made obtaining the load easy.

19 April 2011  


19 April 2011  


19 April 2011  


Tracey was very uncontactable. If i called her, i would not receive any response for at least 5 days; and even with contact she was unable to provide me with any information. During the time of obtaining our home loan for our block of land (approx. 6 months), i would contact the real estate to find out how things were going, because tracey had no answers, and during the final weeks I contacted westpac myself to see if we had the loan. Fortunately, i did contact them because i personally needed to reapply for the loan because Tracey had gone on holidays and had not asked the loan to be extended. During this time we needed to contact Tracey and as she would not response to any of mobile or email or work phone contacts, we contacted SMARTLINE headquarters in melbourne to speak to Tracey's supervisor to see if they could get in contact with her. This experience was incredibly stressful and frustrating. My partner and i believed that this was a very straight forward process of obtaining a loan, next time we will be using someone who truly cares about their clients. We would appreciate if this feedback was past onto Tracey Kyle, so perhaps she can improve her customer service for the next unlucky investor.

14 April 2011  


Allan was always willing and ready to help.

24 January 2011  


I liked that when one lender didnt have the package I required , Tracey found something else that worked.

11 November 2010  


We had one concern during this loan application where we did not understand the Deposit Bond that was proposed by our advisor and this ended up costing us more than $150.00 and many days heartache as when we came to pay the deposit the vendor would not accept this method of payment. Lesson learned, but we could have avoided this if it was explained more clearly and if the advisor had reviewed the contracts in more detail.

31 August 2010  


24 August 2010  


08 June 2010  


As usual Tracey was a great help, Tracey has helped me with numerous loans over 6 years . A big thanks to Tracey

10 May 2010  


This is second time we have used Smartline and we have always had good service from our broker. We are already applying for an additional loan now to put a new house on to our recent land purchase so this will be our third loan through Smartline.

22 April 2010  


I found Allan extremely helpful, he built excellent trust levels with me very quickly, with his attention to detail and kindness of manner.

09 March 2010  


I was very impressed with Allan, He was albe to get me a loan when other brokers said they could not help me. Thanks Allan, I have recommended you to a number of my friends.

25 February 2010  


14 May 2009  


31 January 2009  


I've used Smartline before and with the interest rates I wanted to refinance so I choose Smartline again in particular I know my mortgage broker so being friendly and readily contactable.

22 December 2008  


Friendly professional service
My consultant was always able to answer questions, and was most helpful in preparing documents to be emailed to me as I am quite a distance from her office.

16 August 2008  


16 May 2008  


17 March 2008  


20 February 2008  


The only think I could comment on was the fact that I thought we were extending our original loan, not getting a new one. We liked the fact that we could email our consultant and get an answer straight away.

16 November 2007  


16 October 2007  


16 August 2007  


Our consultant did not clearly indicate that by refinancing our loan we would be opening a completely new loan which also incurred fees. She had indicated to us that we would not have to pay fees, so it was disapointing to find out when we received the pa

19 June 2007  


Ihave meet Tracey Kyle on a number of occassions,she helped my husband and I get a home loan three years ago, personally we would not go to anyone else but Tracey, she makes us feel important, and we are treated like friends, she keeps us up to date durin

21 May 2007  


16 May 2007  


16 February 2007  


27 January 2007  


The process was explained carefully and in terms that were easy to follow. Tracey Kyle made herself readily available, and was very supportive.

23 January 2007  


The consultant viewed the proposals from all lenders and provided details of the best service that suited our needs. there was no pressure to take one or the other. opitions were listed.

18 January 2007  


No, you have it covered

17 January 2007  


17 January 2007  


16 January 2007  


Not sure what else you could add to your service, as it is excellent as it is so far.

16 January 2007  


One contact to find the best deal

16 January 2007  


Tracey was very professional and helpful throughout the whole process. I also felt that she was very authentic about the most viable options too.

01 October 2006  


Being fairly new to the whole home lone thing the only thing I feel would have been good to discuss particularly these days is fixed interests rates, this may have been discussed I don't remeber though

04 September 2006  


01 September 2006  


We were extremely pleased with the service we recieved from our Smartline consultant's. they were very helpful and informative.

02 June 2006  


We were extremely pleased with the service we recieved from our Smartline consultant's. they were very helpful and informative.

02 June 2006  


16 March 2006  


all was good

04 October 2005  


03 October 2005  


Loved the service, very easy to contact, extremely approachable. The only suggestion I would make is that I would like a better look at the deals offered by the other 'big lenders, as a comparison. Whilst our broker gave us a brief run-down a bit more inf

15 September 2005  


02 September 2005  


01 September 2005  


Tracey I believe went out of her way to sort out problems that I was having with conveyor.

01 August 2005  


Probably the only extra I expected was looking at what kind of accounts I already had with who to see if any savings could be made by consolidating these. I guess the process was a lot quicker than I thought it would be.

06 July 2005  


I had tried other loan brokers, but due to special circumstances regarding the construction of my home, I had to explain over and over again about my circumstances. Tracy already knew about the scheme and was able to help me out right away without needing

01 June 2005  


01 April 2005  


18 January 2005  


More Service when the Loan provider instructs us to contact the Consultant, when they nsay our consultant should provide the answer and service to a problem, otherwise the service is OK.

01 December 2004  


Tarcy was very good at answering any questions that we had at any time of the day. if Tracy was unavailable she would always respond quickly.

17 August 2004  


Have already Referred a few times now. Service from Melb Credit Union is a different story, I would rate at -10. They might have an ok product but they can't get anything else right! Attention to detail is terrible. Even something simple & after supplying

09 August 2004  


08 July 2004  


Tracey offered her help in every way and was prompt right through the whole process

07 July 2004  


Tracey offered her help in every way and was prompt right through the whole process

07 July 2004  


More contact is needed. But otherwise, good.

03 March 2004  


03 March 2004  


We r really happy with our loan,everything went quickly and without any hassles.thanx heaps.

03 March 2004  


09 December 2003  


I would just like to take this opportunity to thank Smartline and our consultant Tracey for all the help and support throughout the period of purchasing our first house. We are a young couple with a little boy and no one would even lok at us (ie banks) so

05 December 2003  


broker did not advise us as to the application process, nor were we kept up to date of the status of our loan application. We had to constantly chase them up to get any idea of what was going on. I had to personally liase with the lender with regards to i

03 December 2003  


The personal and friendly service we received from Tracey Kyle was fabulous. She answered all our queries and provided reassurance right throughout the settlement process, no matter how many times we rang her. She is a credit to yourself and your organisa

27 September 2003  


Once I had signed up for the loan the consultnt did not want to know me.

08 September 2003  

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