Terri Unwin – Personal Mortgage Adviser

Terri Unwin joined Smartline, after 16 years at the Commonwealth Bank, so that she could help her clients find a home loan solution from over 27 lenders.

“Just as there are many different types of properties on the market, there are also many different types of home loans available,” says Terri. “After the initial excitement of buying a property wears off, you don’t want to start regretting the type of loan you have!”

Terri is an active property investment herself, and therefore is well aware of the importance of not only selecting the right property, but selecting the right finance. “I help my clients find a loan that suits their needs. My team and I manage the loan process from the time of our initial meeting to the day my clients pick up the keys,” explains Terri. The contact doesn’t stop there! Terri and her team will review your loan each year to ensure it is still the most suitable for you and you are benefiting from the most competitive rates.

Terri’s mortgage broking business is based in both Balmain and North Kellyville. She is fully mobile and services all areas of the Sydney metropolitan area and can visit you outside of working hours in the comfort of your own home.

  • Spirit of Smartline Award Winner 2021
  • Smartline Business Growth Award NSW Finalist 2021
  • Smartline Lenders’ Choice Award NSW Finalist 2010
  • Smartline Client Service Award NSW Finalist 2007


Tanya Abo Khadour – Personal Mortgage Adviser

Tanya has the patience, perseverance and expertise to identify smart, sustainable borrowing solutions for all her clients.

‘Depending on each client’s situation, finding and securing a great loan often takes tenacity – but I’m committed to always working in my clients’ best interests and getting the outcome that’s going to work for them over the long term,’ she says.

With her personable, empathetic approach, Tanya makes sure she’s well informed about her clients’ requirements by taking the time to listen and get to know them. ‘I never just assume I already know what my clients need – great service always begins with a great conversation.’

Tanya has four years’ experience in the banking/lending industry and her efficiency, responsiveness and attention to detail translate into a stress-free borrowing experience for her clients.

‘I have worked on all sides of the lending process, including with the ATO and MSA National (settlement agents/discharge). I was also a lending specialist at NAB and, prior to joining Smartline, I was responsible for home loan servicing with another mortgage broking group.’

Tanya specialises in assisting with home and investment loans as well as asset finance. ‘Being a first home buyer in Sydney myself, I understand it can be overwhelming. I use my personal experience and professional knowledge to help guide first home buyers through the process and put them at ease.’

Tanya offers a mobile service. She is based in NSW and is happy to work with clients Australia-wide.



 Heather Williams Client Service Manager

Heather Williams, in her role as Client Service Manager, is a great support to clients of Terri, with them benefiting from her more than 30 years of banking and mortgage broking experience and her commitment to great communication.

Heather helps to guide Smartline clients during the home loan application process, right through until after loan settlement.

“Throughout my career I’ve always been passionate about providing outstanding customer service and ensuring that clients have a great experience.”

“That’s why we keep our clients well informed at every stage of the process, so they never have to wonder or stress about what is happening.”

“My role is to support Terri and make sure things get done, and get done well and on time. That way, everything runs smoothly from beginning to end.”