Theo Krinos – Personal Mortgage Adviser

Mobile: 0418 931 061

Theo Krinos brings 35 years of finance experience to his clients with Smartline (formerly The Mortgage Gallery). His financial career began with Commercial Bank of Australia and later he worked with Westpac.

Throughout his experience, Theo worked through various departments and gained in-depth knowledge of the real estate market and housing lending. He found his calling in helping the people of Bunbury fulfill their dreams of property ownership with Smartline in 1990.

Theo uses his financial expertise to locate the property loan that meets his clients unique needs. His dedication to his customers is evident in his commitment to verifying details in the loan applications and taking the time to explain the process. Theo pledges himself to following through on the transaction until it closes, and then makes himself available after the settlement. His client commitment has earned him a well-deserved service-oriented reputation that continues to draw repeat and referral business.


  • Smartline Franchise Owner of the Year WA Finalist 2013, 2014, 2018, 2020
  • Smartline High Achievement Award Winner 2013, 2014, 2017 – 2020
  • Smartline Franchise Owner of the Year WA Winner 2017, 2019
  • Smartline Marketing Champion WA Winner 2017
  • Smartline Marketing Champion WA Finalist 2014
  • Smartline Hall of Fame 2013