Guiding you to the finance you need

Applying for finance can seem puzzling, but with Your Finance Angel, it becomes a thrilling opportunity. We’re here to simplify the process, whether you’re filling a financial gap, growing a business, acquiring your dream property, initiating an investment portfolio, or planning for retirement. Let us steer you towards seizing this opportunity for positive change. 

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Tailored financial guidance to navigate life's major milestones

Expert loan advice tailored to your personal and business needs

Innovative financing solutions to fuel business growth and investment opportunities

Simplified loan application processes for hassle-free financing

We’re not just about numbers; we’re about realising dreams and achieving milestones. We understand that meeting your financial goals is a journey, one that requires clarity, direction, and a touch of heavenly guidance.

Whether you’re saving for a significant life event, reducing debt, growing your investments, or planning for a blissful retirement, our expert advice and personalized strategies are your wings. Let us lift you above the financial fog, guiding you towards a future where your financial aspirations aren’t just possible—they’re within reach. Welcome to a partnership where your financial success is our mission.

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Guiding Finance Since 2000

We’re passionate about becoming an intricate part of your team to support you to achieve your financial goals and choose mortgage and finance products that provide the greatest flexibility and control for the maximum future lending. This is why we have gathered some free resources, to help get you started.

Take the ‘Mis’ out of Misunderstanding

We understand you seek clear, straightforward communication.  We want you want to navigate your finance needs without getting lost in technical jargon.

Latest News

Understanding Commercial Property Valuations

Understanding Commercial Property Valuations

When applying for a commercial mortgage loan in Australia, a property valuation is a basic component of the process. The valuation provides the lender with an independent and clear understanding of the property’s worth, helping them assess the risks associated with the loan.

Understanding Loan-to-Value Ratio (LVR) for Commercial Properties

Understanding Loan-to-Value Ratio (LVR) for Commercial Properties

When investing in commercial property, understanding Loan-to-Value Ratio (LVR) is crucial for managing risk and maximizing your investment. LVR is a key factor lenders use to assess how much they’re willing to lend and directly impacts your loan amount and interest rates. By keeping your LVR lower, you can not only improve your chances of loan approval but also secure better borrowing terms, making your investment more sustainable in the long term.

Unlocking Growth: Leveraging Cash Flow Loans for Business Expansion

Unlocking Growth: Leveraging Cash Flow Loans for Business Expansion

Every self employed person dreams of seeing their business thrive. But reaching that next level often requires an injection of capital and getting those funds can be challenging to say the least. This is where cash flow loans can be a really powerful tool to propel your business towards exciting new horizons.

How Unsecured Cash Flow Loans Can Drive Business Growth This EOFY

How Unsecured Cash Flow Loans Can Drive Business Growth This EOFY

As we approach the End of Financial Year (EOFY), it’s a good time for business owners to explore strategies that can propel their businesses forward in the next financial year. A strategy that can significantly impact your EOFY performance is leveraging unsecured cash flow loans. The key to making the most of these loans in your business is understanding how they work and your own numbers.

The Basics of Leveraging OPM: How to Fund Your Business Growth

The Basics of Leveraging OPM: How to Fund Your Business Growth

OPM, or Other People’s Money, refers to the practice of using borrowed funds to invest in and grow your business. The concept is rooted in the idea that you don’t always need to use your own capital to finance your business ventures. Generally speaking using your own funds will only take you so far. Leveraging external sources of funding  will allow you to achieve your goals faster and more efficiently.

EOFY Finance Demystified: Smart Strategies for Business Growth

EOFY Finance Demystified: Smart Strategies for Business Growth

As the end of the financial year (EOFY) approaches, many businesses are gearing up for the annual sales rush. One often overlooked aspect of EOFY planning is understanding the various finance options available. Having an understanding of the various finance options...

Cracking The Code: What Lenders Look For In Your Capacity To Repay A Loan (Self-Employed)

Cracking The Code: What Lenders Look For In Your Capacity To Repay A Loan (Self-Employed)

So, we’ve talked about Capacity in relation to those people who have a ‘job’. When it comes to the ‘Self-Employed’, whether you’re a sole trader or you operate your business as a partnership, a company or a trust, it’s a whole other ball game.

When you’re employed by someone else, that someone else is responsible for paying you. When you work for yourself, you’re in charge of creating the income that pays you.

Cracking The Code: What Lenders Look For In Your Capacity To Repay A Loan

Cracking The Code: What Lenders Look For In Your Capacity To Repay A Loan

The next thing to discuss is right up there when it comes to getting your loan approved and that’s your Capacity to repay the debt.

The bottom line when we’re giving credit ourselves, whether we’re lending to a friend or family member as individuals or to a customer as a business owner, we want to know that we’re going to get that money back.