CLN Financial Services in Montrose, Victoria, Australia | Accountant

CLN Financial Services

Locality: Montrose, Victoria, Australia

Phone: +61 3 9728 1436

Address: 3 Rene Ct 3765 Montrose, VIC, Australia

Website: https://www.clnfinancial.com.au

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• Accountant
• Financial service
• Loan service
• Mortgage brokers

25.01.2022 Did you know you can often borrow more with a broker on your side? With access to plenty of lenders, local knowledge and experience, we can put you in touch with one of our brokers that will take the time to get to know you and find a loan that suits you! Stop procrastinating and start ticking off your goals. Contact us today.

25.01.2022 P's might get degrees when it come to uni, but credit scores are different. Don't rush it, pay your bills on time and speak to a specialist to understand where your credit score stands. Speak to us to find out why credit scores matter.

25.01.2022 Are you looking to refinance your home loan? Ask us when and why you should refinance.

23.01.2022 One of Australias most trusted analysts, Deloitte, has just released their latest "Value of Mortgage Broking" report, which highlights the benefits of engaging a mortgage broker. After conducting an in-depth analysis of the mortgage broking industry, the report states that overall, mortgage brokers make mortgage markets work better. This is mainly due to the increase in choice and competition between lenders caused by mortgage brokers, leading to better service levels and... more competitive pricing for consumers. Mortgage brokers now arrange 55.7% of home loans which is more than lenders organise directly. Additionally, reporting data showed 90% of mortgage broking customers were satisfied with the service they received. In recent years, the integrity of the mortgage broking industry has continually been under scrutiny, resulting in negative public perception of mortgage brokers. This report challenges past perception by bringing new statistics to light, proving mortgage brokers are in fact having a positive impact on the finance industry overall. Such a level of competition benefits Australian home buyers, refinancers and investors by ensuring you have a wider variety of loans and lenders to pick from. If youre in the market for a new home, investment or havent refinanced in years, as your trusted local broker, we would love to hear from you. Want to read the full report? You can read it first hand here: http://bit.ly/2M1aFv2

23.01.2022 As of 1 July 2019, Australians can look forward to positive changes to the "Comprehensive Credit Reporting" (CCR). These changes could be beneficial for people who have the means to take on a loan but may have had a few blemishes in the past, such as one or two missed payments. To find out more, feel free to comment with any questions you have.

22.01.2022 https://m.facebook.com/story.php?story_fbid=2198970090118452&id=297071236975023

22.01.2022 If youve found a property you are interested in buying, its a good idea to organise a professional building inspection to make sure there are no structural defects, or issues that you may not necessarily see or know from just attending an open for inspection. Make sure you also have your finances Pre-Approved before bidding at any auctions! We can help you obtain pre-approval - Contact us

21.01.2022 Summer holiday on the cards? Theres nothing wrong with splurging while travelling, but the wrong type of credit could end up costing you more than you bargained for! Here are our top tips of things to avoid... - Pay day loans - Cash advances - High interest credit cards... Contact us today to learn more and get your holiday finance ready!

21.01.2022 News Update: The RBA Board has just released a statement with their decision to leave the cash rate unchanged at 1.50 per cent. The low level of interest rates is continuing to support the Australian economy. Further progress in reducing unemployment and having inflation return to target is expected, although this progress is likely to be gradual. Read the full statement here: http://bit.ly/2Nia5Gl

20.01.2022 Are you planning to renovate anytime soon? Talk to us first! were here to help with finance strategy, structure and credit advice that could potentially save you 1000s of dollars.

20.01.2022 Comprehensive credit reporting is being implemented soon - so what does that mean for you? Lenders are making it harder to borrow if youve had a history of bad debt. We can help you plan your finances right and reduce the risk of knock-back from the lenders.

19.01.2022 An investment property is a smart wealth creation tool. Whether its your first time investing or youre growing your current portfolio, we have the right products to increase your borrowing power.

19.01.2022 HAPPY NEW FINANCIAL YEAR!! I am gearing up for another busy tax season with appointments already being booked. Dont forget I have weekday (9-5pm), weeknight (6pm, 7pm & 8pm) and weekend (Saturday 9-3pm) appointments available. Please call 0413 597 407 or PM to make an appointment.

19.01.2022 Analysts are predicting the housing market is about to go through another boom, find out if your suburb is set to soar here Speak to us about your loan.

18.01.2022 New credit card regulations are are being introduced to help reduce the high rate of debt amongst Australians. This includes a 3 year responsible lending assessment and restricted credit card limits. If youre struggling with debt or youre looking into a new credit card, DM us and we can help you find the most competitive products on the market. To learn more about the new fees and charges in 2019, access the full article here: http://bit.ly/2QgNFpp

18.01.2022 New credit restraints are being introduced in January 2019 that will limit spending habits. Its important to check your credit card portfolio now before the new changes occur, and consolidate your debt. Youre going to need to do that anyway because of your credit card exposure, but also if you want a mortgage youre going to have to reduce that. Contact us today for a complimentary credit health check!

17.01.2022 The Australian Tax Office (ATO) expects thousands of Australians to claim working-from-home deductions for the first time this financial year but do know what or how much you can claim? Craig is available for appointments weekdays, after hours and Saturdays. Call Craig on 0413 597 407 or Renee on 0402 592 526 or PM this page to make an appointment.

17.01.2022 Ps might get degrees when it come to uni, but credit scores are different. Dont rush it, pay your bills on time and speak to a specialist to understand where your credit score stands. Speak to us to find out why credit scores matter.

16.01.2022 Its no secret that entering the property market has become a challenge for first homebuyers over recent years. Current lending restrictions and lifestyle factors are commonly blamed for the financial struggle that first home buyers are experiencing. The average home... loan size has grown considerably over the last decade; the average home loan in 2005 was $277,500, compared to todays national average of $400,000. Regardless of the reasons why, an average required deposit of 20 per cent to avoid paying lenders mortgage insurance (LMI), is completely out of reach for many first home buyers - unless theyre seeking help from their parents. Guarantor Eligibility If your parents are willing to go home loan guarantor, then you may have another option for weaving your way into the property market without needing such a huge lump sum of cash saved for your deposit. In order to qualify as guarantors, your parents need to prove that they have the capacity to finance your loan in the case that you dont meet your repayment obligations. Theres a lot to consider as going guarantor means your parents will be liable for your loan if the required repayments are not met. Parents need to consider the risk associated with becoming a guarantor, taking into account job stability, retirement and other obligations that could potentially affect their ability to repay that debt. Removing a Guarantee On a positive note, guarantors are not locked into that commitment forever - once your Loan to Value (LVR) is at 80% or less, most lenders will allow you to remove the guarantee and still avoid the cost of LMI. Despite popular belief, the guarantee is not automatically removed when you owe less than 80% of the property value, you will still need to submit an application for a loan guarantor release otherwise it will remain there for the life of your loan. Speak to your broker for specialist help. Removing the Guarantee at 90% LVR There is an option offered by some lenders to remove your guarantee at 90% LVR. Although, you should be aware you can be charged an LMI premium. Make sure youre not overlooking any fine print before you commit to anything. Or even better, just call us and were happy to guide you through it. To summarise, if youre struggling to save for a deposit and you know someone whos happy and eligible to support you as a guarantor - its definitely an option worth considering. Spend some time weighing up the pros and cons and speak to a home loan expert to make sure youre not over-stretching yourself or exposing your guarantor to adverse risk. Contact us for help.

16.01.2022 We understand cash flow is an increasing problem for the SME sector, and the property market has left many SMEs unable to go to mainstream banks for extra funding. If youre time poor and need help with extra funding for your business, we can help - Contact us today.

16.01.2022 Thought about refinancing? We can help you take advantage of the latest interest rate cuts that could potentially save you thousands! Rates are at an all time low, so nows the time to switch.

16.01.2022 **News Flash** Rather than banks and lenders paying mortgage broker fees, new recommendations by the Haynes Royal Commission suggest home loan customers may now need to front up and pay mortgage brokers themselves. Brokers are fighting back as we see this as a "massive win" to the big four banks, which experts are saying could conveniently save banks up to $2.6 billion and could drive up the cost of borrowing for consumers. ... If youve had a positive experience with a broker, we would love you to show your support by visiting http://bit.ly/2NatEkx and help us diminish the changes so we can keep providing you support.

15.01.2022 Moving home? We can help get you prepared to move home by assessing your home loan to see if switching to a different one could potentially save you thousands on your new home! Contact us today

12.01.2022 Dont let your debt rule you. No one like paying bills but procrastinating only makes you more susceptible to late penalty fees, and more debt. TAKE CONTROL, and get on top of it today - youll thank yourself for it.

11.01.2022 40% of Australians dont know their current interest rates, meaning they are likely paying too much. If youre reading this and you dont know your current interest rate, let us do the legwork for you in finding if your rate is still suitable for your situation.

11.01.2022 Deciding where to send your child to school in 2019? Where you live can have a huge impact on your childs education. Find out how much you can lend today to get your child in the right school zone.

11.01.2022 Have you got a case of the winter blues and need a trip away? Let me guess... your finances are the only thing hindering you from going on your luxury holiday? If your finance is structured correctly it should be an enabler, allowing you more freedom to life life to the fullest - not a hinderance. If youre ready to make a positive life change for your future, contact us and we can help you restructure your loan so you have all the flexibility you need for your upcoming holiday plans. The best part is we can come out to you and the service is no cost to you because we get paid the bank!

10.01.2022 Did your credit card tapping get a little out of control over the holidays? Stress less, we're here to help you consolidate your debt and reduce your interest repayments to get you on track for 2019. Speak to us for strategies to reduce your debt quickly.

09.01.2022 You can start by increasing your mortgage repayments & frequency. This will allow you to own your own home sooner and save yourself a great deal on interest costs. E.g. If you have a $350,000 home loan and you start paying an extra $10 per week (@7% average), you will knock almost two years off your mortgage and save up to $34,382.65 in interest expenses. If youd like to find out more about how to manage your finances, contact us today.

09.01.2022 Did you know that more than half (63.2%) of Australians think only the wealthy can achieve the great Australian dream of homeownership? Property ownership shouldnt be hard and were here to help you get your foot in the door. Speak to us today.

08.01.2022 'Comprehensive credit reporting' is being implemented soon - so what does that mean for you? Lenders are making it harder to borrow if you've had a history of bad debt. We can help you plan your finances right and reduce the risk of knock-back from the lenders.

08.01.2022 With housing prices still at all-time lows and interest rates continuing to fall, now is a great time to enter the property market! Find a place you can call home and speak to us about a loan today.

07.01.2022 Everyone deserves financial freedom, and by that we mean having enough savings, investments and cash on hand to afford the lifestyle you want for yourself and your family, allow you to retire or pursue the career you want without being driven or restricted by what you earn. Speak to us about a plan to build up your equity.

07.01.2022 When it comes to home loans, its the smallest details that really do count. Need some help understanding variations in different home loans? Contact us today

06.01.2022 At its meeting today, the Reserve Bank decided to leave the cash rate unchanged at 1.50 per cent for the 22nd consecutive meeting with the same outcome, extending the most sustained period of monetary policy stimulus on record! Read the full statement here: http://bit.ly/2LVqpjr

06.01.2022 When it comes to home loans theres no "one size fits all". With access to 100s of products from a panel of 30+ lenders, we can provide you with competitive rates and find a tailored solution to suit your needs. Talk to us today for more info.

05.01.2022 Did your credit card tapping get a little out of control over the holidays? Stress less, were here to help you consolidate your debt and reduce your interest repayments to get you on track for 2019. Speak to us for strategies to reduce your debt quickly.

04.01.2022 NEWS UPDATE: Small businesses will have now have easier access to funding after the Australian government just announced a $2billion Australian Business Securitisation Fund! With this new initiative, we can help you achieve long term equity capital investments to innovate and grow your business without taking on additional debt, or forfeiting control of your business. If youd like to find out how we can help your business, lets chat!

03.01.2022 At its meeting yesterday, the Board of the Reserve Bank of Australia (RBA) decided to leave the cash rate unchanged at 1.5%

03.01.2022 The average first-home buyer needs to put down a deposit of approximately $100,000 to secure a property. If you dont have enough saved for a deposit yet, dont rule out the option completely. Consider using a guarantor on your home loan, it could be your key to entering the property market, just ask us how.

03.01.2022 A big thank you to Brad at Non Stop Signage, a fantastic local business for their work to freshen up the entrance to the office. Theyve also set me up with some new stationary! #supportlocal

02.01.2022 An investment property is a smart wealth creation tool. Whether it's your first time investing or you're growing your current portfolio, we have the right products to increase your borrowing power.