Find a new
fleece on life

If you’re struggling to manage your financial commitments, or feel overstretched and unable to manage payments, it could be time to talk to Black Sheep Finance.

We’ve here to help you take back control of your finances, consolidate debt and find a better deal.

What we do

The key to creating a bright financial future is to take a step back and try to understand how you got into the financial situation you’re currently in. That way you won’t make the same mistakes again.

At Black Sheep Finance, we don’t just focus on the figures, we take time to listen to your story, understand your situation and then plan out a tailored roadmap that leads you back to the path of financial well-being.


  • Discuss the psychological aspects of your current debt position and how it’s affecting your lifestyle
  • Chat through your day-to-day spending and saving habits
  • Review all your current debts, loans, rates and terms
  • Educate you about the common traps and pitfalls involved in debt consolidation
  • Outline debt reduction strategies including the:
    • Snowball strategy: where you pay off the smallest balances first while also paying the minimum on the larger debts
    • The avalanche strategy: where you pay off the accounts with the highest interest rates first

At Black Sheep Finance, we don’t take the approach of rolling all your debts into a monster 30-year home loan. Yes, it might cut down the interest rates, but you may end up paying more interest in the long run.

Instead we’ll set up a realistic plan, allowing you to pay back your debt and still live your life. We’re also here to support you, making sure you take action and follow through.

How it works

Dealing with debt can be stressful and confusing, but with Black Sheep Finance by your side, you can relax knowing we have your best interests at heart.


  • Step 1: Review all your existing financial commitments, your income and your regular outgoings
  • Step 2: Map out a realistic budget and repayment plan
  • Step 3: Speak to the lenders on your behalf and set up all the repayment schedules
  • Step 4: Help you prioritise and organise payments
  • Step 5: Check in with you to ensure you’re on track and, if necessary, make adjustments to your consolidation and repayment plans.

Our lovely lenders

Choose from banking’s big boys, or a range of niche mortgage providers.