Our Answers
Welcome to our FAQ page, your quick guide to common queries about our financial services. Whether it’s home loans, taxation, debt consolidation, or accounting—find straightforward answers to help you navigate your financial journey with confidence. Can’t find what you’re looking for? Feel free to reach out—we’re here to help.
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While we don’t directly recommend builders, we can offer guidance on what to look for such as. Valid License: Ensure the builder holds a current and valid license for the type of construction you’re undertaking in your state or territory. This verifies they meet the required qualifications and standards. Adequate Insurance: Check that the builder… Read More
Yes, absolutely. Book a free no obligation 15 minute phone consultation by calling us on (03) 9728 1436 or using the Book An Appointment form on our website.
Yes, we specialise in providing tax services tailored to the needs of small and medium businesses across various industries. Our experts provide strategic Taxation and Business Advice, helping you optimise your tax position and enhance your business operations. Taxation/Business Advice (minimum 1 hour) is $340 per hour
Yes, we can handle your bookkeeping tasks, freeing up your time to focus on your core business activities. Our reliable Bookkeeping services keep your financial records accurate and up-to-date, allowing you to focus on growing your business. Rates are $82.50 per hour.
Yes, we specialise in providing tailored advice and support to small and medium-sized enterprises (SMEs). We partner with you to address your specific needs, whether you’re looking to develop a strategic plan, improve financial management, streamline operations, or navigate complex regulations. Our goal is to provide expert guidance and practical solutions to help your business… Read More
Yes, we are proficient in various cloud accounting platforms like Xero, QuickBooks and MYOB.
We can analyse your financials and identify areas for improvement in cost control and revenue generation.
You can easily schedule a consultation by calling us on (03) 9728 1436 or using the Book An Appointment form on our website.
Accurate accounting provides valuable insights into your business’s financial health, enabling informed decision-making. Our expert team is here to assist you with all your taxation, accounting, and loan needs, ensuring you have the support and guidance required to achieve your financial goals.
We can help you develop strategies to minimise your tax liability while staying compliant with Australian tax laws.
Funds are typically disbursed in stages as different phases of construction are completed. These stages include: Deposit: The initial payment made to the builder when signing the contract Slab: The foundation of the property, including the concrete slab, plumbing, and waterproofing Frame: The frame of the house Lock-up: The installation of windows and doors Fixing:… Read More
Reach out to us to discuss your project, and we’ll guide you through the application process. You can easily schedule a consultation by calling us on (03) 9728 1436 or using the Book An Appointment form on our website.
Book a free no obligation 15 minute Mortgage Health Check phone consultation with Craig, our mortgage broker, to help you secure favourable terms and interest rates through expert guidance and comparison of over 40 home loan lenders. You can easily schedule a consultation by calling us on (03) 9728 1436 or using the Book An… Read More
Contact us for a confidential consultation to assess your options and create a personalised plan. You can easily schedule a consultation by calling us on (03) 9728 1436 or using the Book An Appointment form on our website.
Simply reach out to us via phone on (03) 9728 1436 or email at info@clnfinancial.com.au, and we’ll guide you through the onboarding process.
You can easily schedule a consultation by calling us on (03) 9728 1436 or using the Book An Appointment form on our website.
The processing time varies depending on the lender and the complexity of your application. Most standard home loans are approved within a couple of weeks from their initial application.
Your borrowing capacity depends on various factors, including your income, expenses, credit history, and deposit. We can discuss your borrowing capacity in more detail with our free no obligation 15 minute Mortgage Health Check phone consultation with Craig our mortgage broker. Craig can help you secure favourable terms and interest rates through expert guidance and… Read More
Our team simplifies Individual Tax Returns with comprehensive tax preparation and filing services, ensuring you receive all eligible deductions and credits. Individual Tax Returns from $160 Individual Tax Returns for Pensioners/Students from $132 Individual Tax Return with Rental Property from $220 Individual Tax Return with Capital Gains start at $220 Basic Self Employed/Sub Contractor Tax… Read More
We recommend reviewing your financial statements at least monthly to track your progress and identify potential issues.
Our team can represent you during an ATO audit and help you navigate the process smoothly. We also offer audit insurance through Audit Shield. Please contact us for more information.
We offer a full range of accounting services, including bookkeeping, financial reporting, payroll, business advice and tax returns.
Construction loans are specialised loans designed to finance the building or renovation of a property. The lender releases funds directly to the builder as work is completed. The borrower typically makes interest-only repayments during construction. When construction is complete, the loan usually transitions into a regular home loan with principal and interest repayments.
The benefits of debt consolidation can be significant for those struggling with multiple debts. Simplified Debt Management: Instead of juggling multiple payments to different creditors with varying due dates and interest rates, you’ll have just one monthly payment to remember. This makes budgeting and staying on top of your finances much easier. Lower Interest Rates… Read More
Home loan interest rates can vary. You can check the current interest rates in Australia on the Reserve Bank of Australia (RBA) website. The RBA also provides information on interest rates and yields for money markets, government bonds, and more. Book a free no obligation 15 minute Mortgage Health Check phone consultation with Craig, our… Read More
Lenders will assess your financial situation, building plans, and the value of the property revising information such as below: Credit Score: A good to excellent credit score is crucial. Lenders want to see a history of responsible borrowing and timely repayments. Income and Employment: You’ll need to demonstrate a stable and sufficient income to comfortably… Read More
There may be fees associated with setting up a debt consolidation loan. We’ll discuss these with you transparently.
Our fees are based on the scope and complexity of the services you require. All of our service pricing can be found on our Pricing page.
Construction loan interest rates can vary. You can check the current interest rates in Australia on the Reserve Bank of Australia (RBA) website. The RBA also provides information on interest rates and yields for money markets, government bonds, and more. Book a free no obligation 15 minute Mortgage Health Check phone consultation with Craig, our… Read More
Craig Naisbitt, our principal accountant, completed his CPA from Deakin University in 2009 and holds a Bachelor of Commerce in Accounting. Craig has been a registered tax agent for over 15 years. In order to provide his clients with a full range of financial services, Craig became a mortgage broker and holds a Certificate IV… Read More
Craig Naisbitt, our principal accountant, completed his CPA from Deakin University in 2009 and holds a Bachelor of Commerce in Accounting. Craig has been a registered tax agent for over 15 years. In order to provide his clients with a full range of financial services, Craig became a mortgage broker and holds a Certificate IV… Read More
Craig Naisbitt, our principal accountant, completed his CPA from Deakin University in 2009 and holds a Bachelor of Commerce in Accounting. Craig has been a registered tax agent for over 15 years. In order to provide his clients with a full range of financial services, Craig became a mortgage broker and holds a Certificate IV… Read More
Craig Naisbitt, our principal accountant, completed his CPA from Deakin University in 2009 and holds a Bachelor of Commerce in Accounting. Craig has been a registered tax agent for over 15 years. In order to provide his clients with a full range of financial services, Craig became accredited as a mortgage broker and holds a… Read More
Craig Naisbitt, our principal accountant, completed his CPA from Deakin University in 2009 and holds a Bachelor of Commerce in Accounting. Craig has been a registered tax agent for over 15 years. In order to provide his clients with a full range of financial services, Craig became a mortgage broker and holds a Certificate IV… Read More
Craig Naisbitt, our principal accountant, completed his CPA from Deakin University in 2009 and holds a Bachelor of Commerce in Accounting. Craig has been a registered tax agent for over 15 years. In order to provide his clients with a full range of financial services, Craig became a mortgage broker and holds a Certificate IV… Read More
CLN Financial Services offers personalised Mortgage and Refinance Consultation at no cost to you, helping you secure favourable terms and interest rates through expert guidance and comparison of loan products from over 40 lenders.
You’ll typically need to provide financial statements, building plans, and council approvals when applying for a construction loan.
We can help you identify the root causes of your business challenges and develop a turnaround strategy. We will thoroughly analyse your financial statements, cash flow, and key performance indicators to pinpoint areas of weakness and identify potential financial distress. We can assist in exploring options to improve cash flow, reduce expenses and manage debt…. Read More
A pre-approval gives you an indication of how much you can borrow, strengthening your position when making an offer on a property.
Debt consolidation is a financial strategy that involves taking out a new loan to pay off multiple existing debts. This leaves you with a single loan to manage instead of several, simplifying your finances.
We provide a range of services, including business planning, financial forecasting, cash flow management, and business structuring advice.
We provide a comprehensive range of taxation services, including individual tax returns, business tax preparation, tax planning, and ATO audit assistance.
Credit card debt, personal loans, and other unsecured debts can often be consolidated into one loan with a more manageable monthly payment.
We assist with a wide range of home loans, including first home buyer loans, owner-occupier loans, investment loans, refinancing and construction loans.
At CLN Financial Services, we are dedicated to providing comprehensive financial solutions tailored to meet the diverse needs of our clients. All of our service pricing can be found on our Pricing page.
The standard due date for individual tax returns is October 31st each year, but extensions may be available. However if you are lodging a tax return through a tax agent, the lodgement date is the 15th May the following year.
Our office is located in the Eastern Melbourne suburb of Kilsyth. We are able to service the surrounding local area with in person consultations and appointments. We are also more than happy to accommodate people outside this geographical area with either phone or zoom appointments. Simply give us a call on (03) 9728 1436 or… Read More
While you can do your tax return yourself, there are several compelling reasons why paying an accountant can be a worthwhile investment: Maximising Deductions: Accountants are experts in tax law and are up-to-date on all the latest regulations and deductions you might be eligible for. They can identify deductions you might easily overlook, potentially saving… Read More
Using a mortgage broker offers several advantages over going directly to a bank: Access to a wider range of lenders: Brokers aren’t tied to just one institution. They can compare hundreds of loan products from over 40 banks, credit unions, and other lenders, giving you more options to find the best fit for your needs…. Read More
Taking out a new loan can temporarily impact your credit score, but responsible management can improve it over time.
Yes, we can handle your bookkeeping tasks, freeing up your time to focus on your core business activities. Our reliable Bookkeeping services keep your financial records accurate and up-to-date, allowing you to focus on growing your business. Rates are $82.50 per hour.
Yes, we are proficient in various cloud accounting platforms like Xero, QuickBooks and MYOB.
Accurate accounting provides valuable insights into your business’s financial health, enabling informed decision-making. Our expert team is here to assist you with all your taxation, accounting, and loan needs, ensuring you have the support and guidance required to achieve your financial goals.
Simply reach out to us via phone on (03) 9728 1436 or email at info@clnfinancial.com.au, and we’ll guide you through the onboarding process.
We recommend reviewing your financial statements at least monthly to track your progress and identify potential issues.
We offer a full range of accounting services, including bookkeeping, financial reporting, payroll, business advice and tax returns.
Craig Naisbitt, our principal accountant, completed his CPA from Deakin University in 2009 and holds a Bachelor of Commerce in Accounting. Craig has been a registered tax agent for over 15 years. In order to provide his clients with a full range of financial services, Craig became a mortgage broker and holds a Certificate IV… Read More
At CLN Financial Services, we are dedicated to providing comprehensive financial solutions tailored to meet the diverse needs of our clients. All of our service pricing can be found on our Pricing page.
Yes, we specialise in providing tailored advice and support to small and medium-sized enterprises (SMEs). We partner with you to address your specific needs, whether you’re looking to develop a strategic plan, improve financial management, streamline operations, or navigate complex regulations. Our goal is to provide expert guidance and practical solutions to help your business… Read More
We can analyse your financials and identify areas for improvement in cost control and revenue generation.
You can easily schedule a consultation by calling us on (03) 9728 1436 or using the Book An Appointment form on our website.
Our fees are based on the scope and complexity of the services you require. All of our service pricing can be found on our Pricing page.
Craig Naisbitt, our principal accountant, completed his CPA from Deakin University in 2009 and holds a Bachelor of Commerce in Accounting. Craig has been a registered tax agent for over 15 years. In order to provide his clients with a full range of financial services, Craig became a mortgage broker and holds a Certificate IV… Read More
We can help you identify the root causes of your business challenges and develop a turnaround strategy. We will thoroughly analyse your financial statements, cash flow, and key performance indicators to pinpoint areas of weakness and identify potential financial distress. We can assist in exploring options to improve cash flow, reduce expenses and manage debt…. Read More
We provide a range of services, including business planning, financial forecasting, cash flow management, and business structuring advice.
Construction loan interest rates can vary. You can check the current interest rates in Australia on the Reserve Bank of Australia (RBA) website. The RBA also provides information on interest rates and yields for money markets, government bonds, and more. Book a free no obligation 15 minute Mortgage Health Check phone consultation with Craig, our… Read More
Craig Naisbitt, our principal accountant, completed his CPA from Deakin University in 2009 and holds a Bachelor of Commerce in Accounting. Craig has been a registered tax agent for over 15 years. In order to provide his clients with a full range of financial services, Craig became a mortgage broker and holds a Certificate IV… Read More
You’ll typically need to provide financial statements, building plans, and council approvals when applying for a construction loan.
While we don’t directly recommend builders, we can offer guidance on what to look for such as. Valid License: Ensure the builder holds a current and valid license for the type of construction you’re undertaking in your state or territory. This verifies they meet the required qualifications and standards. Adequate Insurance: Check that the builder… Read More
Funds are typically disbursed in stages as different phases of construction are completed. These stages include: Deposit: The initial payment made to the builder when signing the contract Slab: The foundation of the property, including the concrete slab, plumbing, and waterproofing Frame: The frame of the house Lock-up: The installation of windows and doors Fixing:… Read More
Reach out to us to discuss your project, and we’ll guide you through the application process. You can easily schedule a consultation by calling us on (03) 9728 1436 or using the Book An Appointment form on our website.
Construction loans are specialised loans designed to finance the building or renovation of a property. The lender releases funds directly to the builder as work is completed. The borrower typically makes interest-only repayments during construction. When construction is complete, the loan usually transitions into a regular home loan with principal and interest repayments.
Lenders will assess your financial situation, building plans, and the value of the property revising information such as below: Credit Score: A good to excellent credit score is crucial. Lenders want to see a history of responsible borrowing and timely repayments. Income and Employment: You’ll need to demonstrate a stable and sufficient income to comfortably… Read More
Contact us for a confidential consultation to assess your options and create a personalised plan. You can easily schedule a consultation by calling us on (03) 9728 1436 or using the Book An Appointment form on our website.
The benefits of debt consolidation can be significant for those struggling with multiple debts. Simplified Debt Management: Instead of juggling multiple payments to different creditors with varying due dates and interest rates, you’ll have just one monthly payment to remember. This makes budgeting and staying on top of your finances much easier. Lower Interest Rates… Read More
There may be fees associated with setting up a debt consolidation loan. We’ll discuss these with you transparently.
Craig Naisbitt, our principal accountant, completed his CPA from Deakin University in 2009 and holds a Bachelor of Commerce in Accounting. Craig has been a registered tax agent for over 15 years. In order to provide his clients with a full range of financial services, Craig became a mortgage broker and holds a Certificate IV… Read More
Debt consolidation is a financial strategy that involves taking out a new loan to pay off multiple existing debts. This leaves you with a single loan to manage instead of several, simplifying your finances.
Credit card debt, personal loans, and other unsecured debts can often be consolidated into one loan with a more manageable monthly payment.
Taking out a new loan can temporarily impact your credit score, but responsible management can improve it over time.
Yes, absolutely. Book a free no obligation 15 minute phone consultation by calling us on (03) 9728 1436 or using the Book An Appointment form on our website.
Book a free no obligation 15 minute Mortgage Health Check phone consultation with Craig, our mortgage broker, to help you secure favourable terms and interest rates through expert guidance and comparison of over 40 home loan lenders. You can easily schedule a consultation by calling us on (03) 9728 1436 or using the Book An… Read More
The processing time varies depending on the lender and the complexity of your application. Most standard home loans are approved within a couple of weeks from their initial application.
Your borrowing capacity depends on various factors, including your income, expenses, credit history, and deposit. We can discuss your borrowing capacity in more detail with our free no obligation 15 minute Mortgage Health Check phone consultation with Craig our mortgage broker. Craig can help you secure favourable terms and interest rates through expert guidance and… Read More
Home loan interest rates can vary. You can check the current interest rates in Australia on the Reserve Bank of Australia (RBA) website. The RBA also provides information on interest rates and yields for money markets, government bonds, and more. Book a free no obligation 15 minute Mortgage Health Check phone consultation with Craig, our… Read More
Craig Naisbitt, our principal accountant, completed his CPA from Deakin University in 2009 and holds a Bachelor of Commerce in Accounting. Craig has been a registered tax agent for over 15 years. In order to provide his clients with a full range of financial services, Craig became a mortgage broker and holds a Certificate IV… Read More
CLN Financial Services offers personalised Mortgage and Refinance Consultation at no cost to you, helping you secure favourable terms and interest rates through expert guidance and comparison of loan products from over 40 lenders.
A pre-approval gives you an indication of how much you can borrow, strengthening your position when making an offer on a property.
We assist with a wide range of home loans, including first home buyer loans, owner-occupier loans, investment loans, refinancing and construction loans.
Our office is located in the Eastern Melbourne suburb of Kilsyth. We are able to service the surrounding local area with in person consultations and appointments. We are also more than happy to accommodate people outside this geographical area with either phone or zoom appointments. Simply give us a call on (03) 9728 1436 or… Read More
Using a mortgage broker offers several advantages over going directly to a bank: Access to a wider range of lenders: Brokers aren’t tied to just one institution. They can compare hundreds of loan products from over 40 banks, credit unions, and other lenders, giving you more options to find the best fit for your needs…. Read More
Yes, we specialise in providing tax services tailored to the needs of small and medium businesses across various industries. Our experts provide strategic Taxation and Business Advice, helping you optimise your tax position and enhance your business operations. Taxation/Business Advice (minimum 1 hour) is $340 per hour
You can easily schedule a consultation by calling us on (03) 9728 1436 or using the Book An Appointment form on our website.
We can help you develop strategies to minimise your tax liability while staying compliant with Australian tax laws.
Our team simplifies Individual Tax Returns with comprehensive tax preparation and filing services, ensuring you receive all eligible deductions and credits. Individual Tax Returns from $160 Individual Tax Returns for Pensioners/Students from $132 Individual Tax Return with Rental Property from $220 Individual Tax Return with Capital Gains start at $220 Basic Self Employed/Sub Contractor Tax… Read More
Our team can represent you during an ATO audit and help you navigate the process smoothly. We also offer audit insurance through Audit Shield. Please contact us for more information.
Craig Naisbitt, our principal accountant, completed his CPA from Deakin University in 2009 and holds a Bachelor of Commerce in Accounting. Craig has been a registered tax agent for over 15 years. In order to provide his clients with a full range of financial services, Craig became accredited as a mortgage broker and holds a… Read More
We provide a comprehensive range of taxation services, including individual tax returns, business tax preparation, tax planning, and ATO audit assistance.
The standard due date for individual tax returns is October 31st each year, but extensions may be available. However if you are lodging a tax return through a tax agent, the lodgement date is the 15th May the following year.
While you can do your tax return yourself, there are several compelling reasons why paying an accountant can be a worthwhile investment: Maximising Deductions: Accountants are experts in tax law and are up-to-date on all the latest regulations and deductions you might be eligible for. They can identify deductions you might easily overlook, potentially saving… Read More