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

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.

Cracking the Code: What Does A Lender Look At When Assessing a Loan Application

Cracking the Code: What Does A Lender Look At When Assessing a Loan Application

Lenders don’t lend money to inanimate objects or corporate entities, even if this is the ‘applicant’ on the application; lenders lend to people, whether they’re employees, business owners or company directors.

A lender wants to know more about the people, the owner(s) and the director(s) than just the financial numbers.

A Guide to Property Loans for Self-Employed Borrowers

A Guide to Property Loans for Self-Employed Borrowers

Are you a self-employed borrower looking for a loan to buy a property? If so, you’re probably well aware that there can be a lot more hoops to jump through to get a loan than if you had a job, which could make the process tedious.   There are however a larger range of...

Understanding the Five C’s of Lending

Understanding the Five C’s of Lending

Lending is an important part of the financial industry, and for a lender to make informed decisions about lending money, they need to consider certain factors. These factors are collectively known as the “Five C’s of Lending”. The Five C’s of Lending are Character, Capital, Capacity, Collateral, and Conditions. In this article, we will discuss each of these five C’s in detail and their importance in lending.