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Straight Forward Finance Brokers

5.0(61 reviews)See reviews ↓·Sunshine Coast

About the company

Straight Forward Finance Brokers is a finance and commercial broking business on the Sunshine Coast founded by Joshua Carleton, who is the Director. Carleton has over a decade of experience in the Australian finance industry, beginning his career in 2012 with ANZ Bank before transitioning into mortgage broking in 2015 with Aussie Home Loans and joining SMS Finance in 2016. He was named Champion Broker of the Year by AFG in its 2020/2021 National Awards, was a finalist for the MFAA Young Professional of the Year in 2016 and a semi-finalist in the 2010 Business Icon Competition.

Nisa Chea is an Analyst at the business and holds a Bachelor's degree in Accounting and Finance. The business specialises in personalised finance solutions for families, first-home buyers, investors and self-employed individuals.

What customers say

Based on genuine customer reviews

Car finance, company loans, renovation finance and residential lending appear throughout the accounts of this Sunshine Coast practice, where Josh is named in one review after another. Several accounts note relationships stretching across five, ten and more than ten years, covering new vehicle purchases, business borrowing and multiple properties. An observation shared by more than one reviewer is how clearly options are explained, with the client's interests placed first and deadlines honoured. Speed is another recurring theme, finance falling into place quickly once a lender and product are settled.

Josh is credited with negotiating rates, picking up errors in bank documents before settlement and remaining proactive and responsive from first enquiry through to completion. Long-standing clients and first-home buyers alike describe feeling supported and confident at each stage, with communication continuing well after the loan settles. Expertise and lender knowledge are mentioned again and again, as is the care taken with referrals from real estate clients. Repeat business centres on residential lending and refinancing, alongside vehicle purchases and company loans.

Car finance and loan companyFinance broker

Reviews

Reviews are taken from publicly available sources.

S
Sharee25 June 2026

We can't recommend Josh highly enough! He was our mortgage broker when we purchased our first home, and he made what felt impossible become a reality. A year later, when we needed his help again, there was no question that we'd go back to him. Josh consistently goes above and beyond for his clients. His communication is outstanding, he's incredibly prompt in answering questions and resolving any issues, and he genuinely works hard to find the best outcome. Throughout the entire process, we always felt supported, informed, and confident that we were in the best hands. If you're looking for a mortgage broker who is knowledgeable, reliable, and truly cares about helping his clients achieve their goals, we couldn't recommend Josh more highly (and have recommended to other friends). Thank you again for everything you've done for our family!

JA
Josh and Mel Sael10 June 2026

I’ve dealt with a lot of brokers over the years, and I can really tell that Josh is one of the best out there. He made the whole process feel easy, communicated clearly, and was always helpful and professional. I really appreciate his support and would highly recommend him to anyone looking for a reliable broker.

M“
M “M.F”7 May 2026

From new vehicles to company loans and even renovation finance, Josh has helped us bring our projects to life over many years. Most recently, he played a huge part in securing the finance for our new home! We highly recommend him for his knowledge, support, and dedication to the mortgage industry, and we wouldn’t hesitate to use his services again in the future.

JU
Jason Uren22 April 2026

We had an outstanding experience working with Josh as our mortgage broker. From the very beginning, he was easy to talk to and genuinely took the time to understand our needs and priorities. He went above and beyond by shopping around and negotiating to secure the best possible rate for us. What really stood out was his attention to detail—he picked up errors in the bank’s documents before we even had the chance to review them and advised us not to sign until everything was corrected. He handled the follow-ups with the bank, ensured the documents were fixed properly, and then supported us again by carefully reviewing the updated versions. Josh was with us every step of the way, right through to settlement and beyond—patiently answering all my (many!) post-settlement questions and always being kind, responsive, and supportive. 10/10 experience. We’ll absolutely be going through Josh again in the future and wouldn’t hesitate to recommend him to anyone looking for a reliable and thorough mortgage broker.

KP
Kallum Packard17 April 2026

I could not recommend Josh and the team any more highly. This is the third time we have worked with him and no other brokers can compete. He always has our best interest in mind, clearly explains all options and then gets it all done very fast. Communicates every step and makes the process easy. 10/10!

MH
Maddison Hoy2 March 2026

Josh from Straight Forward Finance is amazing to deal with. He’s been our favourite broker since 2015. Cannot recommend him enough.

JP
Jacob Pennisi24 February 2026

Josh is great! Worked with him on multiple home loans to date and he has gotten us the results we were looking for each time, all whilst keeping us in the loop. He is someone you want working for you.

Finance & commercial brokers in Sunshine Coast compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 5 businesses in this category in Sunshine Coast are compared.

RankProviderRatingReviewsOpen Sat.
1Straight Forward Finance Brokers (this page)★ 5,061No
2C Finance Brokers★ 5,0154No
3CJG Finance★ 5,0121No
4Mason Finance Group★ 5,01109No
5Wealthfolio Financial Services★ 5,0182No
Contact
+61473026006www.straightforwardfinance.com.auUnit 1/3 Woomba Pl, Mooloolaba QLD 4557
Working hours
Monday08:00–19:00
Tuesday08:00–17:00
Wednesday08:00–17:00
Thursday08:00–17:00
Friday08:00–17:00
SaturdayClosed
SundayClosed