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.

At Carruthers Financial Services (CFS), we believe every financial decision can shape your future. Since 2000, we have been helping individuals, families and businesses make confident, informed decisions about finance. We take the time to understand your goals, circumstances and future plans before exploring the lending solutions available to you. Whether you're buying your first home, refinancing, investing in property, purchasing a vehicle, growing your business or financing equipment, our role is to make finance easier to understand and help you find a solution that supports both your needs today and your goals for the future. Our finance solutions include: Home Loans & Refinancing Investment Property Finance Commercial Property Finance Business Finance Asset & Equipment Finance Car Finance Development Finance SMSF Lending Debt Consolidation With access to a broad range of residential, commercial and specialist lenders, we can explore different options and lending structures rather than simply offering a one-size-fits-all solution. But arranging finance is only part of what we do. We believe in people before products, education before decisions and relationships that last beyond settlement. We explain your options clearly, guide you through the process and remain available as your circumstances and financial goals evolve. For more than 25 years, CFS has built its business on experience, integrity, personalised service and long-term client relationships. If you're considering your next financial decision, talk to Carruthers Financial Services and discover a more personal approach to finance. Carruthers Financial Services Building Financial Confidence Since 2000. Your Future. Our Priority.

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

Financiers, Car Loans & Motor Vehicle Finance, Debt Consolidation, Finance - Mortgage Loans, Finance Brokers, Mortgage 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