Good loans for good people

With over 15 years' experience in banking, credit, and entrepreneurship, Karen brings a practical blend of commercial insight and lived business experience to clients with residential and commercial lending needs. Her background at NAB, ANZ, Macquarie and Judo Bank — along with founding and selling her own business — gives her a clear understanding of how lenders think and what business owners manage day to day.

She takes a thoughtful, consultative approach, focusing on each client's goals and lending structure to shape strategies that fit. Karen works closely with accountants, financial planners, and other advisors to ensure lending decisions align with broader plans. She takes a genuine interest in business owners and advocates for them. Her experience, tenacity and commitment to do right by the client, helps navigate lending landscapes and build lasting relationships.

Our Approach

Karen delivers debt advisory and finance broking for SMEs and corporates, optimising loan structure, terms and price. She supports cash flow lending and refinances, and provides commercial, residential and SMSF property lending for investors and developers growing their portfolios.

Review and Discovery

Book a complimentary 30‑minute call so we can understand your goals, gather key details and request what's needed to progress your application. If our services align, we complete a deeper analysis to clarify your position and outline recommended next steps.

Lender Engagement and Shortlist

We speak with our contacts across major banks and other lenders to test appetite, structure and pricing. We then introduce you to shortlisted lenders already briefed on your business, attend the meetings with you and work with them to secure strong indicative offers.

We guide you through approval and settlement, drawing on our experience writing millions in commercial lending. We review your loan regularly to keep it competitive and aligned with your needs, and actively support your growth and future lending requirements

Approval, Settlement & Growth

About us

Karen Ngoh is the founder of Character Finance, a commercial lending advisory supporting Australian business owners with clear, strategic funding guidance and finance broking services. With more than 12 years' experience across major banks and high‑growth SMEs, she brings deep expertise in business and technology lending, and property lending and finance.

Karen also built and sold her own import and distribution business, giving her firsthand insight into the pressures and opportunities owners face. This blend of banking knowledge and real‑world experience allows her to deliver practical, plain-speaking advice that aligns with long‑term business goals. Her objective is to build lasting client relationships with people she would be happy to have dinner with.