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Cairns Finance

Cairns Finance

5.0(41 reviews)See reviews ↓·Cairns

About the company

Cairns Finance is a commercial finance brokerage firm established in 2006 by Principal Scott Smith. It is a specialist business finance broker with access to over 250 lenders. Cairns Finance is a member of Business Network International Australia and the Mortgage and Finance Association of Australia.

The brokerage services the Far North from Cairns to the Atherton Tablelands, Innisfail, Tully, Port Douglas, and Mossman, and remotely services clients Australia-wide. With almost 20 years in business, it provides business loans, home loans, equipment finance, SMSF loans, strategic advice, and debtor finance.

What customers say

Based on genuine customer reviews

Depth of knowledge and patient, unhurried guidance stand out as the qualities clients mention most when describing their dealings with this Cairns finance brokerage. Scott and Mitchell are named repeatedly, with reviewers describing how both take the time to explain each step, answer every question and keep the process streamlined from application through to settlement.

Customers note that complicated financial arrangements were made understandable, and that advice was given honestly, including being steered back within budget when borrowing ambitions ran ahead of what was sensible. Reliability and responsiveness come up often, with prompt replies and ongoing support well after settlement rather than only during the initial transaction. Business clients mention restructuring a number of loans and securing competitive terms, while first home buyers describe the journey as stress free and well managed.

The welcoming manner of the team is a recurring point, as is the willingness to go beyond what is strictly required. Reviewers also value the conservative approach to lending, which left them feeling their interests were protected rather than pushed towards unnecessary debt. Long standing relationships spanning many years appear in several accounts, suggesting clients return for subsequent finance needs and pass the service on to family and friends.

BankCar finance and loan companyFinance brokerFinancial institutionFinancial planner
Cairns Finance — Customer photo

Reviews

Reviews are taken from publicly available sources.

SM
Steele Mcquade3 February 2026

I can’t recommend Scott & Mitch more if I tried. They’ve helped us a lot over the years with both personal & business loans. They’re fast efficient, easy to deal with & overall great genuine people.

MK
Mikayla Kelman22 January 2026

Cairns Finance is such a good team. They were able to make our dreams of owning a home come true with guidance and help though out the entire process. They have so much knowledge. We couldn't have begun this journey without their help. Will recommend Cairns Finance to everyone i know!

SD
Sean Daly12 November 2025

Had a great experience with Scott (and Mitch!) from Cairns Finance. Super knowledgeable, patient and had clear communication. Definitely recommended!

R
ramona25 June 2025

Scott and Mitchell, were very helpful, and patient with the whole process. They made buying a house possible with difficult time frames and challenges of my partner working away. They helped us understand everything as well as overcome any challenges.

LB
Louise Burns9 June 2025

I was petrified at the thought of a 6-figure debt but from the minute I walked into the Cairns Finance office I felt as though I could not have been in better hands. Scott and Mitch are down to earth, super knowledgeable and what was most important to me - conservative. Scott was upfront and honest the whole way. When he saw me punching above my weight, he would gently bring me back down to within my budget. Because of this honest and realistic approach, I know that what I've purchased is something that I will be comfortable in paying off. Thanks Scott and Mitch - enjoy the Peroni, you deserve it!

LL
Lu Lu26 May 2025

Cairns Finance never disappoints! I have been using them for over 10 years for everything money lending. Scott and Mitch are fantastic to work with. They find the best lenders and give full (and understandable) explanation of all options. Email & phone communication is consistant as well. Do yourself a favour and use Cairns Finance for all your brokering needs :)

NJ
Natalie Johnson15 April 2025

Scott and Mitchell are just fantastic. I have worked with them on a a purchase/refinance and a standalone purchase and they make the process absolutely seamless. Scott went through all the documents with me in person and kept me across everything - even while I was overseas. Will definitely work with them again on my next purchase.

Finance & commercial brokers in Cairns compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 4 businesses in this category in Cairns are compared.

RankProviderRatingReviewsOpen Sat.
1Cairns Finance (this page)★ 5,041No
2Eakins Finance & Insurance★ 5,0113No
3Ibessa Strategic Financial Specialists★ 5,0104No
4Rod Weir Team - Green Finance Group Cairns★ 5,044No
Contact
+61740512444www.cairnsfinance.com.auSuite 11A Traveltown, 21 Lake Street, Cairns City QLD 4870
Working hours
Monday09:00–17:00
Tuesday09:00–17:00
Wednesday09:00–17:00
Thursday09:00–17:00
Friday09:00–17:00
SaturdayClosed
SundayClosed