Clio Financial
Sydney Mortgage Brokers
Buying Property
Refinancing
Understand your borrowing capacity
Your borrowing capacity is calculated based on a number of factors including your income, expenses, credit history and other financial factors. Having a good understanding of what banks are willing to lend you will allow you to realistically begin the search for your next property.
Prior to searching for a property, there may be a number of small changes you can make that can increase your borrowing capacity, and also a number of things to look out for as they can drastically hinder your borrowing capability.
Know where you stand financially
Have a clear understanding of where you stand financially, and also a clear path moving forward to reach your future goals. This will mitigate the risk of any financial stress and give you peace of mind about your finances.
Stop spending thousands more than you need to every year
Refinancing your mortgage is a great strategy to potentially save thousands of dollars each year in interest repayments and ensure you are always at a competitive rate.
Refinancing is a useful option as you progress through life as your goals and objectives may change and it is important you have the right loan product that suits those needs. A good broker will be able to regularly monitor your loan and ensure that you are always in the right product that fits your current and future requirements.
Contact us
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Personalised service
We don’t believe in a one size fits all approach, as every individual's situation is different. We take the time to get to know our clients and create a personable experience.
Competitive rates
With a large panel of lenders to choose from, we will be sure to secure you some of the most competitive rates on the market.
Responsive brokers
Absolutely committed to being available for our clients whenever they require.
About Clio Financial
Our aim is to work together with you to fulfil your property and investment goals, no matter how big or small. We deliver a tailored client experience, and instil the confidence in our clients that we are there to assist them every step of the way.
Guiding you through our process
Step 1
Initial appointment
Step 2
Research & strategise
Step 3
Present options to client
Step 4
Loan submission
Step 5
Formal approval
Step 6
Settlement & post settlement
Borrowing Capacity
Get an idea of how much you are able to borrow based on your current financial situation.
Get in touch for a free borrowing capacity analysis.
Financial education & updates
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