Find The Right Loan For Your Situation Clearly Explained, No Pressure.

Answer 4 quick questions. A licensed broker reviews your answers and calls you personally to walk through what may be possible for your situation.

No credit check to get started

Completely obligation-free

Direct access to a real broker

Takes less than 60sec · No commitment required

Our Lending Panel Includes

WHO WE ARE

Nearly Two Decades Inside Banking. Now Working Entirely For You.

I spent nearly 18 years working inside ANZ — across personal lending, service leadership, credit operations, and large-scale business transformation. I've sat on both sides of the table: understanding how lenders actually assess applications, what makes them say yes, and what causes unnecessary delays or declines.

Alongside my banking career, I also ran a Domino's franchise for five years. That experience gave me a firsthand understanding of what business owners go through — the cash flow pressures, the lending commitments, the operational realities that a bank statement alone doesn't capture.

When I founded Providence Financial Services, the goal was simple: to provide the kind of clear, honest, structured guidance that most borrowers never receive. I explain your options in plain English — including the trade-offs — so you can make informed decisions, not just take whatever's offered first.

What We Help With

Finance Solutions Explained Clearly And Structured Carefully.

Every loan type we work with is handled with the same approach understanding your situation first, then identifying what actually suits it.

(1) Home Loans

We secure a home loan that is clearly explained, carefully structured, and aligned to both your current position and future financial plans.

(2) Commercial Finance

We secure commercial finance that is fit for purpose, structured to support business sustainability, investment performance, and long-term objectives.

(3) Car Loans

We secure car loans with clear terms, manageable repayments, and a structure that fits your budget — not just what a dealer offers.

(4) SMSF Loans

We secure commercial finance that is fit for purpose, structured to support business sustainability, investment performance, and long-term objectives.

(5) Personal Loans

We find personal loan solutions that support your financial needs while keeping repayments sustainable and terms straightforward.

(6) Business Loans

We find business lending solutions aligned to your cash flow, growth plans, and operational needs with a clear understanding of terms and obligations.

Not sure which applies to you? That's exactly what the assessment is for.

Takes less than 60sec · No commitment required

The Process

Simple steps. Honest guidance. No surprises.

Complete the
Assessment

Answer four short questions about your goals and financial situation. Takes less than two minutes and has no impact on your  credit file.

A Broker Reviews
Your Answers

Mary reviews your assessment before calling so the conversation starts with context, not generic questions you've already answered elsewhere.

Move Forward
with Clarity

We walk through what may be possible for your situation, explain your options honestly, and support you from application through to settlement.

Takes less than 60Sec · No commitment required

Common Questions

Things people usually ask before they start.

Will completing the assessment affect my credit score?

No. Completing the assessment and speaking with a broker does not trigger a credit enquiry. A credit check only occurs if you decide to proceed with a formal application, and only with your explicit consent.

How long does the assessment take?

Most people complete it in under two minutes. It's four questions — straightforward, no trick answers.

Is there any cost or obligation?

None. The assessment is completely free and there is no obligation to proceed. Providence Financial Services is compensated by lenders when a loan settles — you pay nothing.

Can you help if I've been declined before?

Often, yes. We work with a broad panel of lenders who assess applications differently. A decline from one lender doesn't mean a decline from all of them.

How quickly will someone contact me after I submit?

We aim to call you the same business day. During busy periods it may be the following business day. You'll never receive an automated message — only a direct call from your broker.

What types of finance do you work with?

Home loans, refinancing, investment property loans, personal loans, car loans, SMSF loans, commercial finance, and business loans. If you're unsure which applies, the assessment will help clarify.

Ready To Understand
Your Options?

Take the first step toward a loan that's clearly explained and genuinely suited to your situation. Complete the assessment and speak with a real broker today.