"Brenden both you and Emma made it seem super easy to refinance my property. It really has made a world of difference in my life. Thank you."

- Tina, March 2021

"The service was amazing and professional. I would like to thank Sandra who was wonderful. I would very much recommend this company."

- Nicola, March 2021

"The team at SMS Finance have been exceptional. As someone buying a first house and not knowing where to start, the whole team helped explain the whole process and kept me inform the whole time. Scott Mason and the team truly went above and beyond to get my loan approved and finalised in time and I could not be happier with the service I received. Would definitely recommend the team at SMS Finance!!!"

- Kaitlyn, March 2021

"Josh was an excellent broker the entire process. He kept the banks on notice when they needed to be and kept us reassured."

- Adam, March 2021

"Josh and the team at SMS Finance made the process of obtaining our home loan enjoyable navigating us through the journey in a way that was clear and concise."

- Dallas, March 2021

"SMS Finance are efficient and explain things in a simple language."

- Prasanth, March 2021

"Jade and the whole team at SMS were so helpful with our home loan re-finance. We are now saving approximately $800 per month just by comparing home loans! Extremely happy with our new loan, and the service was fantastic. 11/10 would recommend."

- Alison, March 2021

"Josh helped me secure my first home loan, to me what seemed like a huge process initially was made fast and understandable by Josh and his team. Josh and his team managed to secure finance and meet deadlines under pressure. Very happy with all aspects of the service and would highly recommend it!"

- Ben, March 2021

"Josh and the team at SMS Finance understand the right product options to suit your specific financial needs. They provided a simple smooth finance application process and a great level of communication. If you need finance, I highly recommend Josh and SMS Finance."

- Levi, March 2021

"I found that SMS finance to be professional, and clear from the start as to whether they could help me with my finance, from the start so my time and theirs were not wasted hanging on false hope. And was over the moon when they said my finance was approved. they stepped me through every step of the way. I would highly recommend them to anyone."

- Patricia, March 2021

"Working with Scott and Brendan was smooth sailing. The boys explained all processes and details clearly and plainly. It was my first house purchase so I was very nervous. Scott and Brendan were very helpful and patient with me."

- Helena, February 2021

"I was kept informed from loan approval to settlement, and any questions were responded to quickly. I have no hesitation in recommending Brenden and the SMS Finance team."

- Melinda, February 2021

"We were very impressed with the entire team helping us to get our first home and always willing to answer questions."

- Daniel, February 2021

"The team at SMS was great from the get-go. Peter was very straightforward with his info and explained things to us quite well."

- Dion, February 2021

"John and the SMS team were fantastic. their knowledge of the market, service, and communication was exceptional. They made the whole process very simple from start to finish I regularly recommend them to friends and acquaintances."

- Damien, February 2021 

"Thank you so much for your assistance, advice, and honesty throughout our home loan process, Jonno. It was easy to build a rapport with you, and you really listened to what we wanted whilst explaining the process in detail to two first home buyers. You made this whole experience very comfortable and far less daunting for us... we would recommend your service to anyone and everyone :) "

- Georgina, February 2021

"Josh was fantastic. Went above and beyond all the way, even delivered forms personally to us to sign after hours to ensure that we go our home loan finalized with the bank."

- Briannan, February 2021

"My first experience in the process of owning my own home was daunting and overwhelming. I didn’t understand the financial side of things but Josh and his team took care of that. Always keeping updated and communicating along the way."

- Chris, February 2021

"Josh was a great help in buying my first home, helping me through the process and diligently addressing any questions or issues as they came to light."

- Conor, February 2021

"Josh ensured that we understood each step of the process, which gave us even more confidence in his broad knowledge as well as his in-depth understanding of our specific needs."

- Daniel, February 2021

"Great people to work with. I had a great experience during the whole process & it was made easy by Josh & his team."

- John, February 2021

"Josh made the purchase of my first property so simple! I know nothing about the ins and outs of the financial world when it comes to home loans, but Josh broke it all down into easy-to-understand bits and pieces, and always kept me in the loop for what was happening, and when things were required. Josh and the team at SMS Finance did a fantastic job at securing finance for me when other institutions told me it was not possible!"

- Nathan, February 2021

"Buying your first home is a daunting process, to say the least, but with Josh and the SMS team on our side, we never felt overwhelmed. We are extremely happy with the process and would definitely use them in the future!" 

Tayler & Kew, February 2021

"Jake and I owe everything to you Josh and SMS Finance, your amazing customer service was impeccable and I honestly couldn’t fault a single thing. We will definitely be reaching out to you again when we decide to invest further into our future. Thank you so much for helping us achieve our dreams!"

- Tegan, February 2021

"Joshua should be a role model for all brokers in Australia. His professionalism and ability to problem solve are second to none. His ability to get results and keep his clients informed really gives you the peace of mind you are wanting when buying a home. I would recommend Joshua and his team to anyone looking to purchase a property. Thank you again, Joshua, you are amazing."

- Zachery, February 2021

" I was recommended to John McNamara and his team by a family member after having dealt with banks for the last 30 years. SMS Finance was able to find us the product that we needed and at a better rate than what the bank was offering after being with them for 15 years. Looking back we should have done it sooner as we are now in a better position moving forward. After working with John I will be recommending that my children use him when they are ready to seek finance for a loan."

- Nicole, January 2021

Brenden Brial and his team were able to source me an excellent Australian home loan provider that also consolidated debts and solved financial problems that had mounted up. The home loan provider he sourced is easy to navigate and extremely interpersonal via phone. This has now made me feel confident to be able to keep on top of payments and pay my loan down more efficiently. "

- Selina January 2021

"Joshua Carleton and the team at SMS Finance have been an absolute joy to work with. The help and understanding of all that we required was beyond helpful. Kept us updated with everything that happened and even took calls to help after hours and on weekends. True customer service and always return our calls. Thanks to SMS Finance we are building our first home and cannot wait to be in it. Thank you so much."

- Andrew, January 2021

" Jonathon Scaroni - We have no hesitation in recommending your services to everyone we know. You have always gone above and beyond our expectations. Your service is outstanding and we can't thank you enough for everything you have done for us. Without you we would not have our beautiful home. Many Thanks! "

- Adam and Rachael, January 2021

" Jonno - Excellent service, was happy to help answer any questions."

- Liam, January 2021

"Josh was great, he has a personal touch and really worked hard to put me in touch with the right finance for my needs."

- Joshua, January 2021

"From the moment our mortgage inquiry landed in Josh's hands we were kept up to date on the progress of the application. In current COVID times, applications are going through at a much slower pace but Josh managed to get our approval from the bank through without too much delay. And when the bank requested documents we were unable to supply, Josh navigated a way through without any distress to us or the process. He is professional, friendly and down to earth - wouldn't go anywhere else for our financial matters. Thanks so much Josh. "

- Raelene, January 2021

Josh and his team have made this whole experience so much easier than I expected  I was really nervous about building a new home but they provided all the information I needed, answered my many questions and helped me to achieve my goal ! "

- Simone, January 2021

"We have utilised SMS twice now to offer us finance options to suit our purchases. Whilst the process at the time seem very thorough and all financial info is required, the process educates you of you current financial situation. If you are budgeting and paperwork is in order the process isn't a drama. Thanks again to all at SMS Finance."

- Michael, December 2020

"Brendan went above and beyond to deliver our finance approvals. His communication was excellent and I will be referring his business to friends and family for their finance needs."

- Elias, December 2020

"This is the 3rd time I have used John McNamara at SMS Finance. Very professional and streamlined experience."

- Ryan, December 2020

"We have utilised SMS twice now to offer us finance options to suit our purchases. Whilst the process at the time seem very thorough and all financial info is required, the process educates you of your current financial situation. If your budgeting and paperwork is in order the process isn't a drama. Thanks again to all at SMS Finance."

- Michael, December 2020

"This is the 3rd time I have used John McNamara at SMS Finance. Very professional and streamlined experience."

- Ryan, December 2020

"Jonno was very helpful in directing us in applying for a home loan. As first home buyers we were new to the whole experience so it was great having someone to help us through each step of the way."

- Josiah, December 2020


"Thanks Johnno for the excellent service provided by you and your team at SMS Finance. From my very first enquiry I have felt supported. No question was left unanswered and I love that you will follow through until I am in my new home."

- Teena, December 2020


"Jonno was fantastic to deal with, his high level of communication and response was excellent and put us at ease during a really stressful time. Jonno always had time to talk things though with us and explain everything so we understood. On top of being great at his job he was a really nice bloke to work with. We will definitely be recommending Jonno to our friends and family thank you."

- Tim and Ash, December 2020


" It was great being able to have Josh to ask questions of and to follow up with the bank for me. I felt confident leaving it in his hands."

- Brianna, December 2020


"Josh and the team were great to deal with. Very helpful, knowledgeable and understanding and managed to get me a great deal. Thanks heaps! "

- Chelsea, December 2020


"As a first home buyer, I came into the whole financial side of things quite intimidated and with very little knowledge. Josh and his team really helped me along the way and made sure I was understanding of what was happening. The entire process has been so smooth and I really do thank Josh and his team."

- Grace, December 2020


"Josh went above & beyond to make sure I had a comprehensive understanding of both the fundamentals, as well as the intricacies of the process, never leaving me second guessing any part. I wouldn’t hesitate for a second to refer Josh to all friends & family, or anyone requiring these services."

- Jack, December 2020


" Josh and his team are friendly and welcoming. They helped us to understand what we needed for our personal situation and helped us to achieve our goals."

- Jenna, December, 2020


"Josh and his team made my first experience at applying for a home loan absolutely stress free. They always had time to take my call and answer any question in a way that I could understand clearly. I would 100% recommend using these guys and will always use them for any future borrowing I might need to do."

 - Krystal, December 2020


" Josh, Great service and very professional! "

- Luke, November 2020

"We can’t thank Josh and the team at SMS Finance enough for helping us make our dream of home ownership come true. It has been a long road but we always felt Josh had our best interests at heart. Great communication, there was always someone happy to sort any issue, or to answer what we thought might be silly questions, thanks so much guys! "

- Nathan, December 2020

"Brendan made the whole process very easy. He was keeping us up to date regularly and explained everything thoroughly. He has helped me with two properties now, I’ll definitely see him again if I was to buy again and I would 100% recommend him to anyone."

- Kellie, November 2020

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