Company History

SMS Finance is a Maroochydore Queensland based Finance Consultancy business which was originally established in 1982. The business had operated from the same premises since that date until March 2010 when the business was moved to new premises located on the ground floor of the Sebel Building in Maroochydore. SMS Finance handles all forms of finance for our clients, primarily specialising in:

  • Home Loans
  • Motor Vehicle & Truck Finance
  • Equipment Finance
  • Business Loans
  • Commercial Property Loan
  • Insurance Premium Funding
  • Self-Managed Super Fund Loans (SMSF)


SMS Finance previously Stone McNamara Finance originally Stone Goddard & Associates. A brief history of directors and the business is listed below; The company directors are John McNamara and Colin Mason. John McNamara has over 30 years’ experience in the finance industry. He commenced his career with the Commonwealth Bank and the Bank’s finance company CBFC Limited, in June 1981. During his time with the Commonwealth Bank he had several postings and worked in every area of CBFC Limited, in particular held the following positions:

  • Manager Broker Finance
  • Manager CBFC Fleet Lease & Manager CBFC Floor Plan Section.

In September 1994 John moved to the Sunshine Coast to take up the position of Area Manager for CBFC Limited where he was required to source new equipment finance business. In October 2000, after 7 years with CBFC Limited on the Sunshine Coast, John moved to the Commonwealth Bank Business Banking Centre in Maroochydore as a Relationship Executive to manage larger portfolio clients.

John resigned in August 2001 to take the opportunity of purchasing a 50% share from David Stone, and thus forming Stone McNamara Finance which was subsequently changed to SMS Finance.

In July 2008 John took over the reins of 100% ownership in the company allowing David to slow down a bit into a semi-retired/consultancy role. John has expertise in all areas of Mortgage & Equipment Finance.

John is a well-respected member of the community and active in a number of community activities on the Sunshine Coast, in particular John is a Long Service Member of Mooloolaba SLSC where he actively competes in surf boat competition. John is married to Stacy and they have 4 children who are actively involved with junior sport across the coast and Mooloolaba nippers.

In February 2016 John took on a new 50% partner in the business joining forces with Colin Mason, and together with their combined experience they are a forced to be reckoned with in the finance sector; offering clients expert advice and a One-Stop-Shop for all finance requirements, with anything from a Ten Thousand second hand motor vehicle to a Multi-Million-dollar commercial development.

Colin Mason has more than 15 years in the Banking/Finance industry having commenced his career with GE Creditline in 1999. Colin has now joined SMS Finance after a successful 8-year career with Mortgage Choice Sunshine Coast where Colin was awarded the Number 1 Mortgage Choice broker in Australia in 2012, 2013, 2014 and 2015. Colin is a well-respected member of the Sunshine Coast community and holds accreditations with MFAA, CAFBA, COSL and AFG.

Colin was also awarded the Number 1 Mortgage Broker in QLD in 2015 and ranked Number 13 in Australia with over $140 million in business written in the 12 months from January 2015 (MPA Magazine November 2015). Apart from now being a Company Director of one of the largest independent finance businesses on the Sunshine Coast, Colin also is President of a local “not for profit” organisation named Sunshine Coast Business Associates (SCBA). Colin set this group up in 2011 with the aim to support other local businesses and to also support local charity groups. Since inception of this group SCBA has donated to charity in excess of $50,000!

On the 1st March 2019 SMS FINANCE PTY LTD took on two more partners Joshua Carleton and Brenden Brial forming SMS FINANCE 2 PTY LTD.

Josh joined SMS Finance in 2016 bringing with him a wealth of experience in the finance arena. Josh commenced his finance career in 2012 with ANZ Bank after completing his university studies. Quickly moving up the ranks to become a local Branch Manager on the Sunshine Coast, he then accepted a position of Mortgage Broker in 2015 with Aussie Homes where he excelled in all areas of Mortgage Finance.

Josh is a dynamic member of our organisation and brings with him an impressive list of experience, education and achievements.

Bachelor of Business (Management and Marketing), University of the Sunshine Coast 2011
FSR Tier 2 Qualification
Diploma of Financial Planning (RG146)
Diploma of Finance and Mortgage Broking Management
Finalist for the MFAA 2016 Young Professional of the Year
Award Awarded Aussie Home Loans #1 Broker in QLD for 3 quarters of the 2016 financial year
Awarded Aussie Home Loans #1 Broker in Australia for 2 quarters of the 2016 financial year Semi-finalist 2010 Business Icon Competition
Best Networker 2010 Business Icon Competition

Brenden has been in the Banking and Finance Industry for over 30 years. After commencing with BOQ corporate in 1988 and holding several Branch manager roles in Brisbane and the Sunshine Coast, Brenden opened his own BOQ franchise in Mooloolaba in 2002.

For 17 years Brenden owned and operated a full-service bank and during this time also owned Chancellor Park, was a partner in the Maroochydore Branch and also operated a Lending Centre for several years. Brenden joined SMS Finance as a partner in April 2019 and brings extensive experience in all forms of lending including Home Loans, Commercial and Business Finance and Equipment Finance.

Diploma of Finance and Mortgage Broking Management
Bachelor of Commerce (Banking & Finance).

The Company

SMS Finance holds accreditation with most major financiers and in recent times the majority of our business has been accepted by Commonwealth Bank, Westpac Banking Corporation, ANZ Bank, National Australia Bank, Bankwest and Suncorp.

Over the past 20 years, our sphere of operation has penetrated as far as the Western Darling Downs, South Burnett and the Central Highlands. Accordingly, a large percentage of our Equipment Finance business involves trucks, trailers, earthmoving equipment, mining machinery, sawmill plant and farm machinery.

On the Sunshine Coast, we negotiate all types of finance for basically any worthwhile purpose. In Mortgage lending, we arrange Home Loans, Self-Managed Super Fund Loans and Business Loans at competitive rates.

In Equipment finance agreements include Lease, Chattel Mortgage, Hire Purchase and Rental Contracts with goods including office equipment, vehicles, plant and equipment, computers, trucks, earthmoving equipment, farm machinery and fishing vessels. We charge no fee for this service as we are paid directly by the lending institution.

SMS Finance takes pride in the presentation of all applications, regardless of size, and enjoys repeat business from a loyal clientele which now represents approximately 80% of business written. All customer files are maintained in a modern computer system and confidentiality is assured.


We are seeking a chance to quote on any finance requirements that you may have. We guarantee we will treat every request in a professional, speedy and no fuss manner.

Our aim is to develop a personal service with our clients to ensure they are always satisfied with SMS Finance.

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