The People and Principles Behind Money Solutions
About Us
Dedicated to Finding the Right Loan for You
At Money Solutions, our mission is to provide exceptional service and meaningful connections with every client we assist. We operate with integrity, transparency and a strong commitment to excellence.
Guided by our core principles of trust, accountability and innovation, we aim to empower individuals, families and businesses to make confident financial decisions. Our team is passionate about delivery tailored lending solutions and building long-term relationships founded on respect and reliability.
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Discover MS Lend: Your Trusted Lending Partner
Meet our Team
Meet our small but exceptional team – passionate about crafting loan solutions tailored to your unique needs.
Alexander Lyall
Finance Broker | Managing Director
Since beginning his financial career in 2006 and establishing his own company in 2011, Alex has developed deep expertise across lending and credit. His experience as a Client Services Manager, Lending Officer and Credit Coach has shaped his ability to assist clients across a range of lending scenarios, particularly self-employed cases.
Alex’s extensive knowledge and commitment to personalised service underpin his success in helping clients navigate the lending landscape with strategic insight and care.
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Ciara Marah
Client Services Manager
As our Client Service Manager and Personal Assistant, Ciara ensures seamless communication and organisation across every stage of the lending process. With a strong focus on detail and a passion for numbers, she is currently completing her studies in accounting.
Ciara’s professionalism, efficiency and growing financial expertise make her an integral part of the team and a valued point of contact for clients.
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Our Culture & Views
Foster Inclusivity and Belonging
At Money Solutions, inclusivity is more than a value—it’s a commitment to creating a safe and supportive environment for everyone. We are proud to be an LGBTQ+ friendly workplace and actively work to ensure that all individuals, regardless of their background, ethnicity, or identity, feel respected, valued, and empowered to thrive. By championing inclusivity, we create a workplace where everyone can bring their authentic selves to work and contribute to a brighter, more equitable future.
To do this, we:
- Welcome and celebrate diverse perspectives, experiences, and identities.
- Promote equity by ensuring everyone has access to opportunities for growth and success.
- Stand against racism, discrimination, and bias in all its forms.
- Build a culture of ally-ship and support for LGBTQ+ individuals and all underrepresented communities.
- Foster open dialogue and provide safe spaces for honest conversations and personal growth.
Recruit & Retain the Best
Money Solutions values talent – the talent of our people. Our continuing success requires us to retain and grow our talent through a constant inflow of innovative, creative people who add value to our firm and our clients.
To do this we:
- Set high expectations
- Focus unrelentingly on identifying talent
- Develop career paths
- Identify and invest in potential
- Develop relationships and engage our alumni
- Value diversity and foster an environment where talented people thrive and excel
Talk Straight
Talk straight means open, regular, honest and constructive communication throughout our firm and with our clients.
To do this we:
- Tell it like it is, with empathy and respect
- Communicate freely while mindful of the impact
- Have no hidden agendas
- Are courageous in our pursuit of truth
- Stand up for what we believe in
Play To Win
Every relationship we enter, every opportunity we encounter, we approach with confidence based on our knowledge and skills.
To do this we:
- Think and act beyond the boundaries of our local markets or business disciplines
- Believe in our ability to win
- Develop superior products and services
- Support and promote our people and our customer’s success
- Network and foster great relationships
- Deliver on our promises
Continuously Grow & Improve
We encourage our people towards a lifetime of learning and mentoring. We seek new challenges and find innovative ways to deal with changing circumstances through the 3 Gs: Grow the business; Grow the team; and Grow yourself.
To do this we:
- Learn from the ideas of others
- Think outside the square and are prepared to take risks & innovate
- Reward achievement
- Encourage our people to expand their experience and grow
Empower & Trust
At Money Solutions, we encourage ownership and pride by providing clarity and delegating responsibility and authority to all our people.
To do this we:
- Take ownership for what we do
- Take personal accountability for our actions
- Give and delegate responsibility
- Balance the future of the firm with the need for short term results
- Build trust and have confidence in each other
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Customer Success Stories and Recommendations
Hear from our clients about their financing journey with Money Solutions (Division of Carwardines & Associates).
I can’t recommend Carwardine’s enough. Alex and his team helped us immeasurably to get a home loan under some, at times, challenging circumstances. He was calmness personified and nothing we threw at him was an issue or outside of his vast realm of knowledge and expertise. They were super supportive and professional throughout. I can’t thank them enough. And an absolute pleasure to deal with too!
Simon V.
Client
I would strongly recommend Carwardines to anyone. Alex was extremely helpful in helping us with our home loan. Alex’s advice was much appreciated throughout the whole process and his communication was the best I have ever seen.
Luke S.
Client
Alex & the team were on point for the entire process, from initial advice to loan settlement.
Regan J.
Client
Brilliant! Carwardines take the time to understand what it is that you want, then help you with making it happen. The team always respond promptly to any queries that arise. Their is a culture of success at Carwardines & Associates that flows through to their clients. I would strongly recommend them.
Luke F.
Client
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