Our Team of Personal Mortgage Advisers

Smartline Mandurah
Amy Germano

Amy Germano

Home Loan Specialist

Amy is a fully qualified and experienced home loan specialist with a well established career in the finance industry having previously worked as a lender and financial planner at Bank West. Since joining The Mortgage Gallery now Smartline Mandurah in 2009 Amy has dedicated her expertise in finance to understanding client needs and providing them with the right financial solutions. Amy consistently demonstrates a personal willingness to keep her clients informed through each and every stage of the loan application and procurement process. She strives to ensure that her customers completely understand the range of financial options available to them and those that are best suited to their circumstances.

In 2010 Amy was nominated for the AFA Rising Star of the Year Award. This award not only recognized her excellence in the profession – as an adviser of integrity who provides high quality holistic advice to clients – but also her demonstrated commitment to education and her contribution to her industry and community. Amy is easily recognized in our office by her friendly personality and infectious enthusiasm. As an expert in her field Amy offers an outstanding service to our customers and will attend to your enquiry promptly and efficiently.

Brad Kenworthy

Brad Kenworthy

Finance Broker

With almost 30 years of banking experience including 20 years of business finance experience, Brad has the knowledge to help your business growth. 

Whether it is helping to free up business cash flow, assisting your business with a full finance review or helping you with an important purchase, Brad can provide the professionalism that you and your business deserve. 

As well as home and investment loan lending, his area of expertise includes:

  • Commercial property finance
  • Cash flow finance / debt consolidation
  • Equipment finance
  • Franchise finance

With his commercial knowledge and understanding of your business and goals, Brad can make the world of difference, saving you time, money and stress.

Justin Smith - Principal

Justin Smith - Principal

Email: justinsmith@smartline.com.au

When it comes to the mortgage business, Justin Smith is a trusted name. With his experience of more than 30 years in the finance industry and his very impressive track record, it would be safe to say that you are in the best hands.

His clients are always his top priority so whatever you aspire financially, he makes every effort to help you achieve it. Whether you want to buy a home or make other investments, Justin will help you every step of the way.

Kate Crittall - Personal Mortgage Advisor

Kate Crittall - Personal Mortgage Advisor

Email: kcrittall@smartline.com.au

With extensive experience in the finance industry, Personal Mortgage advisor Kate Crittall has outstanding mortgage knowledge and is well placed to guide Smartline Mandurah clients through the home loan process.

“Having spent so long in the industry, I have a sound knowledge of the products and services on offer, and recognise the importance of ensuring clients are provided with solutions that will help them to achieve their individual goals.”

“I am committed to providing excellent customer service and have a genuine interest in our clients and a willingness to meet their needs. Above all, I fully believe regular communication is essential.”

Kate prides herself on her work ethic and ability to build professional relationships based on mutual trust and respect.

Wendy Banks - Mortgage Broker

Wendy Banks - Mortgage Broker

Email: wbanks@smartline.com.au

Wendy Banks has joined the Smartline Mandurah team as a Loan Writer, and is ready to assist with all your home, investment and personal lending needs.

Following a 25-plus year career in the banking and finance industry, Wendy’s insider knowledge and expertise across all areas of borrowing gives her a head-start in finding and negotiating the best solutions for her clients.

‘For me, the most important factors when arranging a loan for my clients are asking questions and being curious – I find out what matters to them and what their goals are. My approach is to listen first, and then provide honest, upfront and realistic lending advice and options, always with the customer’s best interests at the forefront.’

Wendy has won several workplace awards (for ‘thinking outside the box’ and ‘going the extra mile’), and was named a top-100 employee during her time at one of the big-four banks. With a proven track record in customer service, Wendy consistently goes ‘above and beyond’ to ensure her customers feel supported and informed throughout the borrowing process and beyond.

‘I like to provide a one-stop-shop and not just the home loan,’ she says. ‘That means equipping home buyers and investors with the right information to help with their decision-making, such as RP Data reports on homes for sale, previous sales, suburb profiles and property values.’

Wendy currently lives in Mandurah and has called the Peel region home for more than 18 years. With her impressive knowledge of the local market, she specialises in assisting borrowers in the Peel area. However she is fully mobile and also services Perth metro (south of the river) and the south-west of WA.

Rita Sach - Administration Assistant

Rita Sach - Administration Assistant

Email: rsach@smartline.com.au

With over 24 years in the banking and mortgage industry, Rita’s knowledge of Financial institutions loan requirements and processes makes her a valuable team member to assist our Mortgage Advisers in the lodgement and assessment of clients’ applications.   This ensures a smooth, hassle-free experience for our clients from the beginning of the buying and refinancing process through to the exciting moment of handing over of funds.

Susan Steel - Office Manager

Susan Steel - Office Manager

Email: ssteel@smartline.com.au

Susan has over 25 years of experience in all aspects of banking, lending and lending management, and has lived in the Peel Region for 30 years. As the Office Manager, Susan has the important responsibility of supporting all of our advisors by actively managing each and every loan application received into our offices through the process of lodging, query handling and settlement. Most of our clients recognize Susan as the voice of Smartline Mandurah as she often serves as the liaison between Smartline Mandurah, the banks and our clients. Susan is dedicated to ensuring that each of our valued clients remains fully informed through each step of the lending process. She strives to ensure that each of our valued customers understands all of the relevant procedures and generally ensure that their borrowing experience is easy and stress free.

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