Carruthers Financial Services

Accredited Member of MFAA.

• Broad lender network availability
• Empowering clients towards financial freedom
• Over 30 years of financial expertise
• Personal, one-on-one financial guidance
• Tailored financial solutions for you

General Info

We empower clients to make informed financial choices on their journey to financial freedom.

Carruthers Financial Services has been helping individuals, families and businesses make informed, confident financial decisions since 2000. We believe finance is about people before products, so every conversation begins with your story, goals, circumstances and future plans—not with a lender or loan product. Whether you are buying your first home, moving to your next property, investing, refinancing an existing loan or seeking finance for your business, we take the time to understand what you are trying to achieve. We then research and explain suitable lending options in clear, straightforward language, helping you understand the benefits, costs, risks and flexibility of each choice. Our role goes beyond arranging finance. We provide trusted advice, genuine education and tailored solutions designed to support your needs today and into the future. Every recommendation is carefully considered and guided by integrity, professionalism and genuine care. At CFS, settlement is not the finish line. We build long-term relationships and remain available as your life, business and financial goals evolve. Our aim is for every client to feel heard, informed and confident throughout the process. Carruthers Financial Services: trusted advice, genuine education and tailored finance solutions. A system that works for you.

Welcome to Carruthers Financial Services, your trusted partner in achieving financial freedom and reaching your financial aspirations. With our base in lovely Wollongong, we're a home-grown team brimming with enthusiasm and commitment to guiding individuals, families, and businesses through their financial journeys. Since our establishment in 2000, our core aim has been to fill the void left by big banks, offering personalised, one-on-one financial guidance and support that truly resonates with your personal and business goals.

We understand that every client's path to financial freedom is distinctive. Whether you are stepping into the market as a first-time homebuyer, a business owner poised for expansion, or an individual facing intricate lending necessities, our approach is tailored to fit your unique scenario. We pride ourselves on taking ample time to listen to your needs, comprehend your objectives, and deliver expert advice that helps you make informed financial decisions. Through this focused approach, we strive to empower you towards realising your dreams, no matter how daring they may seem.

One of the defining traits of Carruthers Financial Services is the vast array of choices we offer to our clients. Our extensive network includes:- 30 of Australia's largest residential lenders 7 leading non-conforming lenders 13 renowned commercial lendersThis extensive network not only enables us to explore a broad range of loan products and structures but also ensures that we can identify the most suitable financial solutions tailored to your specific circumstances. By prioritising your interests and harnessing our longstanding relationships across the lending spectrum, we are dedicated to providing personalised outcomes that aid you in your journey toward lasting financial wellbeing.

Accreditations

MFAA

Email

Email Business

Business History

Carruthers Financial Services (CFS) was established in 2000 by David Carruthers, following an extensive career in banking and finance. Before establishing CFS, David spent 11 years with National Australia Bank, developing experience across Business Banking and Private Banking, before becoming Mobile Lending Manager with Illawarra Credit Union. Those experiences helped shape a different vision for finance — one built around giving clients greater choice, taking the time to educate and explain their options, and providing personalised advice rather than a one-size-fits-all solution. For more than 25 years, CFS has helped individuals, families and businesses navigate important financial decisions, from buying their first home and building property portfolios to refinancing, purchasing businesses, funding equipment and supporting business growth. While lenders, products and technology have changed considerably since 2000, the principles behind CFS have remained the same: **people befor

Brands

AMP, ANZ , Apollo, Australian Financial , Bank First, Bendigo Bank, Beyond Bank, BlueStone, Commonwealth Bank, FirstMac, Granite Home Loans, Great Southern Bank, Heartland Bank, ME Bank, Macquarie Bank, Mortgage Ezy, Mortgage Mart, My State Bank, National Australia Bank, Orde Financial, People First Bank, Pepper , Resimac, Skip by LMG, St George Bank, Suncorp Metway, Teachers Mutual Bank, Think Tank, Ubank, Wave Money , Westpac, Zeus

Established

2000

ABN

71 092 943 167

Associations

MFAA,

Ownership

Locally Owned

Service Notes

Please call to arrange an in home consultation.

Free Estimates

Yes

Other Link

• https://www.cfsfinance.com.au

Categories

Mortgage Brokers, Car Loans & Motor Vehicle Finance, Finance - Mortgage Loans, Finance Brokers

Licenses

Legal ID: Credit Representative Number [400226] of BLSSA Pty Ltd (Australian Credit Licence No. 391237)

Commercial

Yes

Keywords

Business Finance, Development Finance, Equipment Finance, Home Loans, Mortgage Broker Wollongong