Testimonials

Here are some of the great things our clients have said about SMS Finance…

"I was so nervous to even have the conversation of my dire finance position. After a simple call to Josh at SMS Finance I was put at ease and provided with simple, easy to understand information, to revise my options available to build a new home. Not only did I get the information needed, I was given tools and the amazing follow up service to ensure I had all I needed prior to making a huge decision to obtain my first Mortgage. My emails and phone calls were always answered with a friendly and professional response as well as supportive words of encouragement...even when I was coming to terms with my newly made decision to build my first home! I can not thank Josh and the SMS team enough and I am looking forward to sharing in the excitement when my home construction is completed. Thanks again Team SMS Finance, you are all amazing!" 

- Amy-Lee 19/05/19

"Great work by Josh. He made everything happen in a very short timeframe." 

- Ashley 19/05/19

"I appreciated the fact you worked with my odd hours, it made the process less stressful, and I was grateful that I was kept in the loop about the process through all the issues that arose." 

- Jemma 19/05/19

"Josh has been great helping us as first home buyers to secure a home loan. He made us feel comfortable and supported and like no question was silly. We had obstacles that popped up and he always stayed positive and found a way that we could make things work. We initially went to our bank for a home loan and they said it couldn’t be done yet, but josh found a way! He did such a great job I wouldn’t go to anyone else." 

- Kayla 19/05/19

"We highly recommend Josh. He is awesome, so simple, they do ALL the dirty work and all I had to do was email or text and he sorted everything made it easy as we lived in Sydney at the time. We will definitely use Josh again and we are very happy. Thank you for everything Josh and all the team at SMS Finance." 

- Robert 19/05/19

"Both Josh & Caroline have been excellent throughout the whole process. With my first home buying experience there were a lot of questions I asked and the replies were instant or they’d call to explain. Would highly recommend these two for anyone looking for a fantastic broker!" 

- Sharna 19/05/19

"Josh and the team were excellent thought out the whole process. Gave us a greater understanding and what pathways were best for us. He always had time to talk no matter what." 

- Simon 19/05/19

"Mortgagees need brokers even more now after The Royal Commission has had its say, and you need a good one. I would happily recommend Colin Mason." 

- John 19/04/19

"I was really pleased that you were able to see us at a moments notice, early in the moment, to fit in with work commitments etc. We received outstanding communication from yourself, Jocelyn and Kelli. Really tried everything to make it possible trying a hundred different situations.." 

- Kerri 19/04/19

"I was really pleased that you were able to see us at a moments notice, early in the moment, to fit in with work commitments etc. We received outstanding communication from yourself, Jocelyn and Kelli. Really tried everything to make it possible trying a hundred different situations.." 

- Kerri 19/04/19

"This is the third time we’ve worked with you Colin and as always you were professional, friendly and super helpful. Nothing is ever too much trouble and you make the whole process stress free." 

- Kerry 19/04/19

"I would recommend the organisation and have done to anyone looking to refinance or purchase their 1st home. All the staff are very helpful and do what they say they are going to do. 100% for me." 

- Viola 19/04/19

"Josh is great, understanding and goes the extra mile to help." 

- Shane 19/04/19

"Joshua Carlton provided fantastic service throughout the whole process. He answered all of our questions, always friendly and kept us updated through the whole process. Absolutely amazing at what he does. Thank you Josh!" 

- Luke 19/04/19

"Josh and the team at SMS Finance provided us with lots of options and took the stress out of finding the right loan for our needs." 

- Gary 19/04/19

"Colin and the whole team at SMS Finance were absolutely amazing. They are the best in the business and they helped us make the impossible possible. I would wholeheartedly recommend SMS to anyone that is looking for a partner in the lending process rather than a mortgage provider that just ticks the boxes. At all stages we were kept informed of our progress. The team are extremely knowledgeable and professional." 

- Paul 19/04/19

"Josh has been outstanding throughout our home loan process. His professionalism and dedication to our progress made our whole experience extremely pleasant. Honestly couldn’t have asked for more from him! Thank you Josh!" 

- Philipp 01/02/19

"Hi Colin. We would like to thank you for your all your work in regards to our recent loan. Unconditional in 5 days meant that in our multi offer position this put us in a strong position and was the deciding factor in securing the deal. We would highly recommend your services to anyone looking for a finance solution. Thanks again." 

- Alan 19/01/19

"I really appreciate the service that SMS Finance provided for us. Everyone in the team were wonderful, so friendly, efficient and very helpful throughout the whole process. We are so grateful to you Colin and your team for your support with the purchase of our new home. We are very happy and love our new home! Thank you Colin! We highly recommend SMS Finance to anyone who is looking for a caring, experienced team to lead you into your next financial venture; whatever that is for you." 

- Crystal 19/01/19

"Fast, effective, and always helpful. SMS Finance took on the pain of loan navigation and sailed it through to completion." 

- Nathan 19/01/19

"Josh and his team have effortlessly helped me through my first home loan, a refinance and and car finance - all great experiences. The team made it so easy for me especially since it was my first time dealing with any of this info. Thanks again!!" 

- Ebony 19/01/19

"Josh has been a great help as first home buyers and not knowing the processes he kept up in the loop the whole way! Josh and the team have become a great asset in our new home build. If it wasn’t for Josh’s encouragement we don’t think we would have got to this point! Highly recommended!" 

- Karen 19/01/19

"During the entire process of our application of finance - SMS finance maintained complete transparency with no hidden surprises. We had complete confidence throughout the process, recommending SMS finance would be a pleasure knowing that our friends and family would get the same treatment, Thanks SMS TEAM!" 

- Mark 19/01/19

"Josh, your knowledge of available products and getting the best deals available was great, as well as how to structure our finances to best suite our requirements - interaction with our previous lenders was great. You will be our first choice when we decide to attack this again." 

- Nathan 19/01/19

"Excellent service throughout... Josh knew his stuff when we didn’t and supported us all the way." 

- Shelley 18/12/18

"Josh had wonderful customer care, always making time even if he had to get back to us after hours. Josh would email and call just to check in and we are so grateful for the help from Josh and the SMS team provided. He made our dream come true." 

- Michelle 18/12/18

"Joshua was recommended by a sales rep employed by our preferred builder. At the time we were in the process of finance with another broker and felt we needed to be fair and stick with him. Josh was again recommended when the deal soured. We had the happy ending with Josh. We were particularly impressed with his professionalism with no outlandish promises and a patient sharing of the process. He excelled in communication during the whole process and also had the support of a great team." 

- Douglas 18/12/ 18

"John and the team made the whole refinance process easy. They knew the right lenders to approach and made the application process very straightforward. Would happily recommend them." 

- Mark 18/12/ 18

"Colin, Thanks again for helping us with our second property purchase. We are very happy with your recommendation & service knowing that our needs this time around were somewhat more challenging than the first. I have and will continue to recommend yourself and the team at SMS finance to family, friends & anyone else who will listen. Sean." 

- Sean 18/12/ 18

"Well once again, Colin has taken us through the financial process with much ease. We have used Colin for around 6 years, had some very tight times and he has always helped us thru. Our financal position has improved so much, through Colin's hard work. Thanks Col xxx" 

- Andrew 18/11/ 18

"Colin takes the time to really understand your circumstances and find you the best loan arrangements to suit your needs, I would highly recommend anyone give him a call." 

- Brent 18/11/18

"Very friendly service. It can be difficult to know what needs to happen in the next steps of mortgage applications, the team at SMS made this much easier by explaining the process and regular contact."

- John 18/11/18

"Hi, Colin and the team provide an excellent service, they are friendly and very helpful, are happy to answer any questions and provide all the information you need to make an informed decision. As an investor with over 10 years’ experience I have never met a team that provide as good a service as SMS finance do."

- John 18/11/18

"Thanks for your help in refinancing our home loans the process went well and we are happy with the outcome. I would recommend you to anyone needing your services."

- Julius 18/11/18

"Colin is a professional and personable person, He has excellent knowledge of his products and has helped us get the right loan for our circumstances." 

- Kelvin 18/11/18

"Colin and the team at SMS Finance provide an outstanding service. They left nothing to change to get the best financial outcome available for our particular circumstances. Their communication, accessibility and follow through are outstanding. We couldn’t be happier with the service or outcome we achieved and would without any reservation highly recommend the services to anyone. I'd go so far as to state that everyone should at least get a rate and condition check by Colin, you have nothing to lose and potentially lots to gain." 

- Peter 18/11/18

"Colin was fantastic, he always had time on the phone for us and we never felt rushed or pressured. We were kept informed every step of the way with plain-English updates, so we always knew exactly where the process was at." 

- Stephen 18/11/18

"Colin is a wonderful broker who makes you feel comfortable every step of the way. He keeps you updated regularly and his can-do attitude is very refreshing. If you want smooth sailing and a friendly approachable broker who goes above and beyond then Colin is the only choice."

- Serina 18/11/18

"As first home buyers Josh made myself and my Husband most welcome. Very easy to talk to no pressure at all." 

- Debbie and Andrew 18/11/18

"As first home buyers Josh made myself and my Husband most welcome. Very easy to talk to no pressure at all." 

- Debbie and Andrew 18/11/18

"Josh was really helpful in obtaining our finance. Everything was well explained and easy to understand. His team were in contact with us regularly to inform of any changes and updates. Highly recommend, all round great experience." 

- Eloise 18/11/18

'Josh and his team provided us with exceptional customer service, there communication was excellent and helped keep our stress levels very low. The team went above and beyond to insure we could build our new forever home. Highly recommend Josh and his team at SMS Finance." 

- Peter 18/11/18

"Josh has been an excellent help to me in achieving loan approval quickly and positively. His explanation of the service provided and understanding of my individual case was very helpful and encouraging." 

- Phoebe 18/11/18

"Josh’s service was impeccable. He was very friendly and easy to talk to. He was very knowledgeable and prompt. I couldn’t be happier and would highly recommend him to anyone looking for finance." 

- Robbie 18/11/18

"Josh was great to work with from beginning to end. He helped us through a lot of steps that we didn't really understand or know of and made sure to explain everything well, so that we were always informed."

- Willem 18/11/18

"I would highly recommend Colin and his Team. I have now used three mortgage brokers in the last three years (finance and re-finance) and I can guarantee that I would return to Colin without any doubts. He is responsive, professional and knowledgeable."

- Adam 18/10/18

"My wife and I had been stone walled by another very reputable finance broker and was pigeon holed to have to wait till a single final box was ticked. But a quick call to Colin and things were quickly underway again. Financed and approved within 2 weeks, we honestly wouldn’t have purchased our first home without SMS Finance’s help. The communication from his team is amazing. For this day and age, where it is now the normal, for the client to have to follow everything up, to get call and emails every step of the way, was very impressive and appreciated. On top of the that knowing we could call with any, and all questions was a great help too. We like many have no experience with buying and borrowing, so we liked the offer of support for the unknown. Thank you again to the whole team. :)"

- Christopher 18/10/18

"Colin and his team made the process of refinancing my home a really positive and stress free experience. Being a single mum and refinancing for the first time was quite daunting, Colin really put me at ease and guided me every step of the way. I would highly recommend SMS Finance!"

- Claire 18/10/18

"Very happy with the service provided by the whole team at SMS Finance."

- Dean 18/10/18

"Best company to deal with. They were ahead of us every step of the way! Made everything so easy! Will definitely recommend SMS Finance!"

- Diane 18/10/18

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