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Mortgage Finance

We take the hassle out of finding a Loan that suits YOU.

SMS Finance has a strong track record of helping clients with the purchase of their Home Loan or Investment Property. We have a comprehensive understanding of the Mortgage Finance market and can find an appropriate and competitive product to suit your needs.

Our process of obtaining finance is made hassle free saving you time and the need to talk to numerous Lenders. We will come to you at a time that suits you, to walk you through the whole process ensuring the approval process runs smoothly. Our friendly and professional staff will always be available to answer any questions at anytime. This care and attention also applies long after your loan settles, you can always talk to us.

We believe organising finance should NOT be a stressful experience. Our team is here to ensure your experience is a positive one.

At SMS Finance we pride ourselves on maintaining strong relationships with more than 30 Banks and Financiers who provide a wild range of financial options, some of these include;

Pre-Approved Finance

Pre-approval finance is ideal for anyone wishing to purchase a home or investment property but are yet to actually locate the ideal property. Pre-Approval can be obtained from most lenders, providing you with peace of mind and bargaining power when you find that ideal property.

Home Loans

A residential home loan can be fixed, variable or split interest rates.
If you are an astute property investor, purchasing a new owner occupied home, building a new home or a first home buyer we have the expertise to help you access everything you need to get a loan that suits you.

First Home Buyers

We will walk you through the whole process of purchasing your first home. We will advise you what the banks require, what you can potentially borrow and all the support you need to better understand the process to make your first home purchase a stress free one.


Refinancing is the process of replacing your current Mortgage with a new one. We have the knowledge and experience to help you work out whether you should renegotiate with your current lender, move your mortgage to a more competitive lender or stay where you are. Refinancing can potentially save you thousands of dollars and reduce years off the loan term so that you can own your home sooner. At the same time we will make sure that you have the loan product which suits your requirements.

Lo Doc for Self Employed

Low documentation loan is specifically designed for self-employed people, and other non-conforming borrowers.
A lo Doc client may not have been trading in a new business for any length of time where their financial data does not accurately demonstrate their incomes.

Lines of Credit

A line of credit loan can be used for many purposes offering maximum flexibility. A line of credit works similar to an overdraft where the balance can go up and down within an agreed line of credit limit, which is useful to borrowers wishing to do some home renovations, buy an investment property, purchase a motor vehicle or take a holiday.

Investment Property Loans

Building your wealth with property can be a solid long-term option, especially if you arrange your finances to your greatest advantage. The better you manage your assets and your home loan, the better the returns you can expect. Every successful financial decision begins with a plan and investing in property is no different. That’s why it’s so important to get your strategy right from day one. Just like a residential home loan, you can choose either fixed, variable or split interest rates for your investment loan, with flexible features such as redraw. In general though, investors often prefer Interest Only and Line of Credit loans.

If you’re thinking about investing in property, talk to us. We can help explain the process, and help you set up your loan.

Self Managed Super Fund Loans

Superannuation legislation allows Self Managed Superannuation Funds (SMSF) to borrow to invest in residential or commercial property. Investing through your SMSF may be a tax effective way for you to create wealth for your future, and diversify your super investment portfolio. Income from the SMSF, including capital gains, are taxed at concessional rates, so you could end up saving more money for your retirement. Advice should be sought from your Accountant and Financial Planner.

If you’re thinking about investing in property through your SMSF, talk to us. We can help explain the process, and help you set up your loan.

Professional Packages

A number or lenders offer competitive loan packages to attract professional clients offering discounted loan packages. Here at SMS Finance we have a highly experienced team of Home Loan consultants. Speak to one of our  specialists to discuss your requirements and the Lender Professional packages that are available.

Please call us today and ask to speak to one of our Mortgage Finance specialists to discuss what options are available for you when it comes to Mortgage Finance.

Please call 07 54 300 900 or Email : with any enquiry or a no obligation Quote.

Make an Enquiry

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