Instead of using a temporary file just use a here document instead. Also, using single quotes won't allow your variable to be expanded:
ssmtp me@googlemail.com <<EOF
To: me@googlemail.com
From: me@mydomain.net
Subject: SVN Commit
repository - $url
date - $date
username - $author
revision - $revision
comment - $log
test email
$info
EOF
The problem by the way because the svn user has no write access to your current directory, or probably another directory on runtime.
More info about here documents here, and more info about quoting here.
A here string is actually another similar solution but I believe a here document is more appropriate here.