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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:


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




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, he actively competes in surf boat competition. John is married to Stacy and they have 4 children 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, 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!



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 direct 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.

Recent Awards
  • SMS Finance - 2016 QLD Broker Group of the Year
  • Colin Mason - 2016 QLD Broker of the Year
  • Colin Mason - Australia's Top 50 Elite Business Writers 2016
  • Colin Mason - 2016 MPA Top 100 Brokers
  • Colin Mason - Australia's Top 50 Elite Business Writers 2016
  • Top 15 Broker Group of The Year Award 2016 - QLD, NT & NTH NSW
  • 2016 Westpac Broker Business Excellence Awards
  • AFG Top 5 Mortgage Broker in QLD, NT & NTH NSW
  • John McNamara - QLD, NT & NTH NSW Best Broker in Commercial Business 2015/16
  • John McNamara - Commonwealth Bank Diamond Broker 2015
  • John McNamara - QLD Broker of the Year 2013/14 - 3rd Place
  • AFG Queensland Commercial Loan Writer of the Year 2013/2014 1st Place
  • AFG Queensland Broker of the Year 2013/2014 3rd Place
  • AFG Qld Commercial loan writer award 2012/2013 1st Place
  • John McNamara - ANZ Performance Excellence Award
  • AFG Qld loan writer of the year award 2012/2013 1st Place
  • AFG Qld Commercial writer award 2011/2012 1st Place
  • Commonwealth Bank's - number 1 broker in Queensland for business volume, Commercial finance and Equipment finance
  • Westpac's number 3 broker in Queensland for quality and service in Equipment finance
  • Capital Finance's number 1 broker in Queensland for quality and service in Equipment finance
  • ANZ Awarded to John McNamara In recognition of Performance Excellence 2013
  • John McNamara - 2nd Place QLD Loan Writer of The Year 2012/13
  • John McNamara - 1st Place QLD Commercial Writer Award 2011/12 & 2012/13
Contact Us

Maroochydore Office:
Suite 13 The Sebel
20 Aerodrome Rd
Maroochydore QLD 4558

Postal Address:
PO Box 56
Cotton Tree QLD 4558

Free Call 1800 002 311

Phone (07) 54 300 900
Fax (07) 54 300 999