Mortgage Choice logo
Troy McDonald


Average client rating
4.9/5 From 117 Reviews

Sort by

Troy helped us with a very difficult refinancing problem, he found a solution after numerous institutions said no. Would not hesitate to recommend Troy, we will definitely be using him for our next mortgage.

10 May 2023  


23 September 2022  


Highly recommended Troy! He went above and beyond for my partner and I to be able to purchase our first home. Will definitely be using his services again in the future.

15 September 2022  


Troy is approachable and quick to respond to queries. He explains products clearly and finds the best fit for my needs. Thank you Troy

08 August 2022  


Troy was understanding of our situation and what we needed. He was always available and responsive making the process really easy.

03 August 2022  


Troy was very helpful. He was easily contactable and kept me well informed throughout the process.

22 July 2022  


11 July 2022  


First of all, we would like to thank Troy for surpassing our expectations in our journey of getting our first home. Troy has been exceptionally helpful, patient and caring in getting our first home. He is very professional and knowledgeable and he can make things possible and will help families the best that he can. His client success is also his success. He served beyond our expectations. We have recommended him to our family friends who are wanting to get their first home as well. To all families out there, Look nowhere, contact Troy and you won't regret it.
Thank you and kind regards,
Ibrahim Family (Lilydale)

17 June 2022  


After dealing with another broker for 3 months and getting no where, I contacted troy and 5 weeks from that day I purchased my first home couldn’t recommend highly enough

04 June 2022  


Troy has been bl***y amazing to help us out to build a property portfolio. I am not sure how we stumbled into Troy but I think it was 4 years ago and since then we have built from 1 to 4, all thanks to Troy's expertise and guidance

19 May 2022  


Troy was and will be an asset to me now and in to the future. l found him out of all the other company's I dealt with, yes some of the big company's claiming to save you, to be completely honest, upfront and approachable, but most of all effective. thankyou just doesn't seem to cover it. mark wilson

18 May 2022  


Troy McDonald was recommended to me by a work colleague and I'm glad I went with the recommendation.

Troy has worked closely with my partner and I remotely due to COVID-19, however during the entire home loan process Troy has been exceptional in every way possible. I look forward to working with him again with future projects.

Highly recommended

25 April 2022  


I was really impressed that Troy took the time to really understand my situation and finance needs. I would absolutely recommend and use his services again when needed.

29 March 2022  


Troy was brilliant, he saved us a lot of heart ache and trouble. He made the process very easy and was great to deal with. We have never used a broker before and was glad we did, we will definitely be using him again.

22 February 2022  


Troy was absolutely fantastic thoughout our process on puchasing our first home, he made everything go smoothly and stress free. So greatful he was reccomend to us by family and helped us start our new journey in our new home. Forever greatful.

05 December 2021  


Troy was absolutely amazing. He has made a massive difference to mine and my sons life with the amount of money I am able to save a month. He reduced my home loan by more than half. I will be forever grateful to Troy

31 October 2021  


Troy went above and beyond when organizing our first home loan. Easy to contact and great advise.

17 October 2021  


Troy was incredible throughout the whole process. His patience with my questions meant I felt comfortable at all times.

12 October 2021  


We are very happy with the services provided by our Broker (Mr. Troy).
We thank him for the professional approach and appreciate his competency level. Thanks again!

12 October 2021  


Troy McDonald was excellent to deal with. We were talking to two advisors but decided to go with Troy. Troy is very knowledgeable and a breeze to deal with, even during these tough times. Thank you Troy.

05 October 2021  


Troy was a fabulous broker, he was invested in a positive outcome for me and went above and beyond to make it happen. Troy was informative, friendly and readily available to answer any questions I had. Troy was calm when my emotions were running high in stressful situations. I would highly recommend Troy for any broker needs.

30 September 2021  


29 September 2021  


28 September 2021  


Simply outstanding. Responsive, thorough, highly professional and of exceptional integrity. Best financial services experience we've had in 30+ years and would highly recommend Troy to anyone requiring new finance or refinance requirements.

07 September 2021  


Troy McDonald was our adviser.
He was very knowledgeable and helpful with what we needed to know and any unknowns for us he had the answers.
Pleased with the outcome and now own our first home in Melbourne.
Thanks Troy

31 August 2021  


Troy was very helpful throughout the entire process and always available to answer any queries we had. We would definitely recommend him to family and friends that are looking to get a home loan.

02 August 2021  


Troy was fantastic to deal with, super informative and kept us in the loop at all times! Never hesitated with a call, text or email regardless of week day or weekend and after hours as we work late! Stoked to have Troy onboard as our mortgage broker

06 July 2021  


Friendly and knowledgeable. Trusted completely

12 June 2021  


I can't thank Troy McDonald enough for his highly professional help H obtaining a great outcome for me. The others were quite honestly duds. Troy always kept me in the loop and exceeded my expectations. I cannot speak highly enough of Troy. R.Vernon

08 June 2021  


Troy was great to work with. He went above and beyond to get our mortgage approval over the line despite some complexities and long delays from the bank. We are now enjoying our new home and wouldn’t be here if it wasn’t for Troy’s help.

01 June 2021  


Troy is an absolute legend, going out to his way to help us, and friends, to get the right solution. He has been there, day and (all hours of the) night, to answer all our questions, no matter how silly.
We literally cannot thank him enough!

19 May 2021  


19 May 2021  


Very happy with the support Troy provided, was very knowledgeable and prompt to respond via email communication even with lots of to and fro-ing between the banks, myself and Troy for the refinancing. Very happy overall :)

18 May 2021  


Troy was really helpful will recommend him to all my friends everything was done remotely and was so quick to respond know matter what time I’m the night

15 May 2021  


Troy was very professional, easy to deal with and timely.
Our investment loan and refinance was seamless.

01 May 2021  


Troy is literally our hero. The man is everything you could want in an adviser. This isn’t the first time he has helped us. He is gold. No - platinum!

08 April 2021  


Troy is a legend
He Helped me buy my first home with ease.

07 April 2021  


Thanks good

10 March 2021  


My Adviser would answer any question I asked which allowed me to make informed decisions.

09 March 2021  


I found Troy to be fantastic to deal with. Not only did he help me find a lender to deal with he also helped secure a mortgage to suit my needs. Troy was professional in all my dealings. Highly recommended.

18 February 2021  


Troy has helped us out on quite a few occasions now, and I'm sure we will use him again in the future. We are very complex and he manages to get things done! Thanks!

18 February 2021  


Troy McDonald from Smartline made the process very smooth for me. He is knowledgeable, very detailed and patient in responding to the queries I had. He kept me informed on the progress and was very thorough in his paper work. Big STAR for Troy!

17 February 2021  


17 February 2021  


26 January 2021  


Troy was fantastic and really went the extra mile to secure the loan on my property that wasn’t exactly a straight forward deal.
I would definitely recommend him to anyone.

25 January 2021  


Troy has been a constant and consistent calming magnet for us throughout several loan applications, some of which had a lot of complexity and resulted in considerable anxiety for me and my wife. He has been extraordinary. Without him we’d be lost.

05 January 2021  


Troy McDonald provided an excellent service. Before I met Troy the thought of obtaining a mortgage and entering the real estate market appeared quite daunting. However Troy guided me through the whole process step by step from start to finish.

29 December 2020  


Troy has worked for me on many loans and I keep going back to him as I trust him and appreciate his dedicated work he does for me.

12 December 2020  


It could not have gone any smoother,from start to finish.
They were fantastic to work with.
Cheers Peter.

11 December 2020  


Troy was responsive, friendly and always provided sage advice.

07 December 2020  


Troy was informative and helpful right from the moment we contacated him. Simple product explanations and quidance that made the choice easy. He also achieved what we could not do dealing with the banks direct. We would highly recommed Troy to others

31 October 2020  


Troy is amazing goes over and beyond would highly recommend him.

30 October 2020  


I appreciated Troy' help as a first home buyer. Troy explained the whole process and was very easy to deal with .

04 October 2020  


Troy has looked after few loans for me now and always does an exceptional job. I highly recommend Troy, great guy.

17 August 2020  


Troy helped us work through the current challenging circumstances and was always helpful and understanding. I would have no hesitation in recommending him to friends and family and in fact have already done so.

16 August 2020  


21 July 2020  


My experience with Troy McDonald from Smart Line was fantastic, I understand during the covid pandemic thing were taking a while, Troy kept me updated and informed and made sure the process went as smoothly as possible

01 June 2020  


Troy is an excellent advisor would definitely use him again and highly recommend for others to use his services.

18 April 2020  


12 April 2020  


Can't thank you enough Troy for bending over backwards to get us in the door! We have begun the renovations already. Couldn't be happier.

13 February 2020  


I was highly satisfied with Troy's professionalism and ability to support me through the complex process of refinancing. I greatly appreciate his help in attaining a successful outcome and would recommend his services as a result.

12 February 2020  


26 January 2020  


Cannot improve what is perfect ! Troy was introduced to me via a friend that has used him before. He is great, knowledgeable and patient through the whole process especially my questions. Couldnt ask for anything more. Absolutely great person. Not only has he helped me but he is also a great bloke ! Would highly recommend. Thanks troy !

24 January 2020  


20 January 2020  


Troy explained every step of the loan application process so I knew what was expected at every point. I am very happy with the outcome. Thank you

23 December 2019  


Troy has been fantastic. He did a lot of research to ensure that we end up with the best deal and provided us with on-going support to complete all the paperwork. He replied to all emails promptly and displayed great professionalism. Thanks a lot, Troy.

11 December 2019  


I found Troy McDonald a highly clear and efficient operator with our best interests at heart. He steered us onto the best path for our situation and always kept us informed in a professional manner. Everything was seamless and he provided a no-noise situation for us. I couldn't recommend him highly enough - we will be forever grateful. He will be in our life for as long as he is around, which I hope is a long time. Thanks Troy

05 November 2019  


no fuss, easy to talk with, great outcome, local and did I say local?

27 October 2019  


16 October 2019  


02 October 2019  


Really appreciate the response time from Troy and really helpful

23 August 2019  


Always goes above and beyond

21 August 2019  


20 August 2019  


Troy was amazing to deal with sometimes hard to reach on the phone but replies to emails promptly. Very good advisor looking forward to working with Troy in the future.

14 July 2019  


10 July 2019  


Could not have asked for anyone better,
Remarkably the best mortgage advisor. Will not ever fault troy to help achieve one of lifes greatest challenges. Thank you very much for all of the effort day and night throughout our process in obtaining our very own home. Both myself and partner could never thank you enough. By far i will not hesitate to ever promote the amazing service recieved by troy. Thank you again

03 June 2019  


27 May 2019  


Troy was very helpful and patient with us through this process. Even when we were dragging the chain a little bit, he was courteous and helped us out. I have already started to mention to friends and family how good he was.

03 May 2019  


Troy went above and beyond in coordinating the purchase of our first home. Couldn’t be happier and will recommend

14 April 2019  


10 January 2019  


02 January 2019  


27 December 2018  


26 December 2018  


Genuine guy who did his best for my situation. Hopefully the start of long lasting business relationship. Thank you.

22 December 2018  


18 December 2018  


The service we received was exceptional. We were guided the whole way through the lending application process. Our adviser certainly put my nerves at ease providing reassurance by keeping us informed ever step of the way.

09 December 2018  


25 September 2018  


01 September 2018  



We saw a post on FB one night & thought we'd try, well it was the best thing we could have done! Next morning we were contacted by Troy. He said he would help us & he did. Troy secured a great deal for us & we are extremely satisfied with the professional service provided through out the whole process. Troy made the experience stress free & has really helped us & our future!! Can't thankyou enough!!
Highly recommend Troy!!!

17 August 2018  


Troy was awesome, very friendly, easy to deal with and super fast at getting our loan. Highly recommended.

22 July 2018  


Hes been amaazing!! Personable, easy to reach, great advice, informative and allowed us to not need to stress about a thing.

21 July 2018  


Troy was excellent. Did the job according to my needs.

15 July 2018  


Troy was absolutely great! Prompt in calling and communication is second to none. I have already referred his name to family and friends. I can see a long business relationship with Troy.

13 July 2018  


Could not have been happier! Amazing service!

31 May 2018  


Troy has a professional, friendly and practical approach. He was extremely helpful throughout the entire process of finding a loan and quickly and efficient helped us through a few problems that cropped up along the way. Troy clearly explained all our options and seemed to take a genuine interest in finding the right loan for our circumstances. We wouldn't hesitate to contact Troy again in the future if needed and most certainly would recommend him to friends and family.

11 May 2018  


Our experience with Troy Mcdonald from Smartline was excellent and satisfing.Troy came in to our home listen to what we wanted connected with us and advise us what to do and what to expect.Thru out the whole process he nver let us down and did not leave us on our own.Troy rescued us and save us from financial disaster.

11 May 2018  


Troy is fantastic. He was very proactive in assisting me throughout the entire process and also advising me who I need to contact to have all my paper workin order. He explained everything to me so I completely understood. I would recommend Troy to anyone who is looking for an honest and trustworthy broker to assist then when needing these services. I would not change him for anyone else.

08 May 2018  


25 March 2018  


Troy is fantastic. He was very proactive in assisting me throughout the entire process and also advising me who I need to contact to have all my paper workin order. He explained everything to me so I completely understood. I would recommend Troy to anyone who is looking for an honest and trustworthy broker to assist then when needing these services. I would not change him for anyone else.

15 March 2018  


I can highly recommend Troy from Smartline. I had a long and complicated settlement process and Troy was incredible the whole way through. He kept me informed, got me a fantastic loan with a great interest rate and was extremely professional and friendly at the same time.
My experience with Troy was great and I would recommend him to my family and friends and anyone who is looking for a thorough mortgage broker.

09 March 2018  


I can highly recommend Troy from Smartline. I had a long and complicated settlement process and Troy was incredible the whole way through. He kept me informed, got me a fantastic loan with a great interest rate and was extremely professional and friendly at the same time.
My experience with Troy was great and I would recommend him to my family and friends and anyone who is looking for a thorough mortgage broker.

08 March 2018  


Troy went above and beyond in coordinating the purchase of our first home. Couldn’t be happier and will recommend

20 February 2018  


Terrific experience; Troy really listened to our needs and delivered what he said. Always kept us in the loop, with a quick call when required and a quick SMS or email as required as well. Not once to we wonder what was happening. It was seemless. Why anyone wouldn't use a broker I can't understand. Thanks again.

05 January 2018  


06 December 2017  


Troy was incredibly helpful during my experience with SmartLine Select. He was always available to answer any questions I had, and provided me with all of my options. I would certainly recommend Troy to others.

20 September 2017  


19 July 2017  


Troy did everything possible to make the purchase of my home a reality.
When l went to see Troy l was in a position that was looking very dire and a great possibility that the purchase would not go ahead and l would have lost tens of thousands of dollars.
Due to Troy's diligence and quick response, l now have a home.
Troy also guided me through the application processes and jumping through the hoops that were presented to a positive conclusion.
Troy is an asset to the Smartline group and l will have no hesitation to recommend him to anyone looking for a new or refinancing a mortgage.

18 June 2017  


Thoughtful, assertive and helpful bloke, extremely happy with Troy's service

12 June 2017  


23 May 2017  


The service that was provided by Troy McDonald was brilliant, I was the one stressing out ringing Troy he would clam me down go through everything, that helped a lot having someone i could call to point me in the right direction.

19 May 2017  


After having a terrible experience with our last mortgage dealing with Troy was a pleasure. We weren't sure we would be able to borrow the money we needed to upgrade our home. With the arrival of our daughter Arlyn we where 4 trying to fit in a 2 bed house. Troy showed us how to juggle our money around so we paid off some previous debts and now even though our new mortgage is $600 higher we are actually $400 in front by keeping money from the sale of our previous home.

Thanks Troy and thanks Smartline
From the Ross family Emerald VIC.

09 May 2017  


Thanks Troy for your commitment through this testing period of obtaining our loan.
Your patience and guidance was first class. We are very happy with the outcome and would recommend your service to anyone.
Especially those who face the most difficult problems with the Big Banks, Troy will help solve them.
Thanks again Troy for your first class service.
Guy & Karen Calcagno

02 May 2017  


Troy patiently answered my many questions! He provided a great service for us and was extremely helpful and very easy to deal with.

13 March 2017  


Troy was very professional and showed us a range of loan options that suited our needs. We were happy with our loan package and interest rate.

07 December 2016  


Troy was lovely to work with. I had a 100 questions and he answered them all. All has gone smoothly. i am slowly changing all my account to the new bank.
I would, and have already recommended Troy to friends.

06 December 2016  


Troy's knowledge of the loan providers was top shelf, and his approach was friendly and professional and this was the reason we engaged him on our process.

20 April 2016  


We have never used a Broker Service before, it is definitely the way to go. Having an adviser find the best loan that suits your personal needs took the stress away and made the process a lot easier and smoother. I would highly recommend Smartline and can't thank our adviser enough. Thank you again Troy McDonald.

11 April 2016  

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