Clint Bravo
Mortgage Broker Brunswick, Moonee Ponds, Carlton
As a qualified mortgage professional with over 8 years experience in the finance industry, I understand the questions being asked by many borrowers, small business owners and property investors. Too often mainstream banks focus on price or the interest rate but do not listen to the customer’s broader needs. As a mortgage broker I focus on what my client’s requirements and deliver a solution. Each one of my clients has a different financial, cash flow and taxation position so it is very important to listen and structure a solution to meet each individual circumstance.
Business Qualifications
Professional Achievements: MFAA full Member Certificate 1V in Financial Services (Finance/Mortgage Broking FNS40804).
I have extensive experience across the east coast of Australia with the following lending:
- First home buyers
- Construction loans
- Equity loans
- Self employed / low doc loans
- Debt consolidation and refinancing of loans
- Commercial and development loans
- Equipment Finance
- Non resident lending
Finding the right loan is one of the biggest challenges many people face. With many years of lending experience across a broad range of lenders, I can help make this process easier, whether you are buying your first home or your tenth. Why try to keep abreast of the myriad changes in the competitive home loan market when I can do this for you, giving you up-to-the-minute information on what is available and suitable at a time when you need it most.
Finance For Self-Employed Borrowers
As a self-employed business owner myself, I understand how frustrating it can be to source finance for home or business purposes. While it is now easier for self-employed people to get finance and there are now more competitive loan options than ever before, it is still harder than for PAYG salary earners.
I know where to look and who to ask to find the right finance package for your needs and I provide tailored mortgage and finance solutions for individuals, the self-employed and businesses.
Complex Company Structures and Trust Structures
If you have set-up a family or discretionary trust, unit trust, or hybrid trust for reasons such as income distribution or asset protection for your family wealth, I am experienced in interpreting and using these types of structures to work in your favour for property investment.
I am knowledgeable on which lenders will allow you to purchase using these finance structures and am conversant with all the appropriate lending policies and requirements.
My knowledge opens up a range of investment finance options you may not find with less financially fluent mortgage brokers who are not as familiar at working with complex financials. I can find the right lenders to suit these very specific and complicated needs providing the greatest benefit and getting you closer to your financial goals.
Commercial property mortgages & business finance Lending for retail, industrial, and commercial properties is a rapidly-growing area that opens up the potential of investing in this market much more than traditional commercial lending opportunities allowed. I hold accreditation with commercial lenders that will lend up to 80% of the commercial property value with loan terms as long as 20 -25 years. The more affordable monthly repayments from this type of loan make investing in commercial property much more accessible. I can also assist with finance options to purchase a new business, cash flow lending, debtor finance solutions, business line of credit, and overdrafts.
Chattel Mortgages & Equipment Finance
As a value-added service, I can help you secure finance for the purchase of company & personal vehicles, industrial equipment and office equipment leases. Options in this area are tailored to your business needs and may include simple hire purchase agreements, chattel mortgages, or leases.
Overseas Buyers
- Canada
- United Kingdom
- USA
- Ireland
I work extensively with foreign investors and expats and can arrange finance around the world for purchasing property in Australia. This is a highly-specialised area of finance and requires a thorough working knowledge of Australian foreign investment law and the borrowing policies and preferences of the different Australian based lenders. I work with you by phone, fax and email to put together your application and place it with the appropriate lender, and I can also offer a range of contacts for reputable agents after the purchase that can be trusted to manage & maintain your investment property and get the most out of your rental return.
Free Property Reports
If you need a free property report, simply give me a call or drop by and see me and I will organise this for you. Or if you would like to recommend a friend to me this month, I will not only look after them better than anyone else could, I will give them a property report for the area or home they are looking at.
I enjoy working with all kinds of borrowers and am accredited in the following types of finance:
- Mortgage repayment protection insurances
- Low deposit home loans
- Investment property loans
- Self-employed loans
- Tax return loans
- Car loans
- Leasing equipment finance
- Commercial and industrial property finance
- Property development and small to medium enterprise business loans
- Retirement Finance
Business Community Involvement
Business Relationships I have many professional relationships with trusted Real Estate agents, financial planners, Buyers agents Accountants and conveyancers, so always let me know if you need a referral and I will ensure you are looked after by some of the best professionals in the business
Clint Bravo has been my trusted financial advisor and mortgage broker since 2003. His professionalism, approach, knowledge of the industry, banks and their products has helped us build wealth and do it in a secure & relaxed way.
David Hathway, Melbourne
Business Relationships
I have many professional relationships with trusted Real Estate agents, Financial planners, Buyers agents Accountants and Conveyancers, so always let me know if you need a referral and I will ensure you are looked after by some of the best professionals in the business.
Doing Business over 18 Holes
I am a keen golfer and is a member at Sanctuary lakes, so if you enjoy doing business over 18 holes, please join me for a round.
What My Clients Have To Say
From my office in Moonee Ponds, I have access all areas of Melbourne: North Melbourne, West Melbourne, Docklands, South Melbourne, Port Melbourne, Carlton, Flemington, Moonee Ponds, Essendon, Brunswick, Coburg, Preston, Collingwood, Clifton Hill, Abbotsford, Richmond, St Kilda, Prahran, Toorak, South Yarra, Elwood, Caulfield, Footscray, Williamstown, Fairfield, Ivanhoe and Fitzroy.
I also have offices on the Mornington Peninsular to support clients from Frankston to Portsea and Cape Schank. I regularly visit clients in Queensland and the Sunshine coast at Maroochydore, Caloundra, Mooloolaba and Buderim. I also have clients as far as Nth Qld, Brisbane, and the Gold Coast.
With today’s technology, I can communicate via Skype, Internet and phone have help clients all over the Australia and of course the many ex-pats living abroad around the world.
A friend recommended Clint Bravo in 2005 when we were ‘negotiating’ our first 100% home loan with the bank. As first home buyers we really didn’t know what we were doing, and he guided us through the inevitable hiccups and requests for more information, and the first home buyer’s grant application process. Clint helped us to get a 0.7% interest rate reduction on the same loan with the same bank we had approached. Six years later he has helped us to buy our second home using the equity from our first. Our first home has now become an investment property. We went back a second time because he we knew he would get us a better loan outcome, and provide a buffer of advice and explanation between us and the bank. He has taken a lot of time to answer our questions about the loan structure and documents, to follow up the bank and come up with options when things don’t go quite right, and has even provided bonus value-add advice on negotiating with real estate agents to get a good outcome on price. It’s a level of service that banks just don’t provide. I can particularly recommend Clint’s calm, helpful approach, and the ease of dealing with him (we correspond mainly by email, which is perfect for busy people). We’ll be seeing him again for home #3. M Blanch-de Wilt, Melbourne
I wish to thank you for all the work you did in handling the purchase of my recent property after I was told by my current bank that I was unable to purchase another property. So not only have I purchased the property, I am looking also for another. Clint’s overall proactive approach he took, together with his constant updates to myself and to my real agent, showed his professionalism, enthusiasm and efficiency in getting the task completed with the least amount of fuss.
Furthermore, Clint’s politeness and patience only added to making our constant dialogue that much better. The conveyancing company you suggested, which I took up, proved to be of great benefit insofar as all the necessary documentation was processed most thoroughly and efficiently. They too kept me constantly updated. I would certainly recommend Clint Bravo and the Loan Market and would not hesitate to take you up as my broker for any future property purchases.Robert, Brunswick
Buying an investment property for the first time can be a daunting task, especially when you live in Japan. I really had no idea how to approach the whole task and living overseas made it seem almost impossible. After researching on the internet about bank loans I was pretty sure that I would not be able to secure a loan as I was living overseas, fluctuating exchange rates and earning Yen not Australian dollars. I was referred to Clint Bravo by a friend who had nothing but praise for him. I first emailed Clint in January, 2008 and explained my situation (living overseas) and that I wanted to buy an investment property in Australia but was unsure about how to proceed.
As you can imagine, I had many questions relating to the buying process and loan application process. Clint never failed to reply to my emails promptly and his answers were always clear and encouraging. I eventually bought an investment property in September, 2009. Although this was almost 2 years after my first initial email to Clint, we had regular contact (via email) over those 2 years and Clint never tired of my questions! I feel that if I had approached the banks directly and applied for an investment loan I would have probably been unsuccessful. Clint was able to use his knowledge and experience in banking and finance to help me obtain a bank loan for an investment property, which was always my dream. I have never met Clint face to face, only through email, but feel that he really cares about his clients and gives personal service. Throughout our correspondence I only dealt with Clint. I think dealing with only 1 person throughout the whole application process made it much easier and I always felt reassured that I could contact Clint directly if I needed. My loan application was probably not a high amount in investment terms (under $250,000), however I always felt that I was an important client to Clint and that he always had me in mind, not the bank. I would not hesitate in recommending Clint to my family and friends and intend to use Clint’s services in future property investments. I feel very fortunate that I was referred to Clint from the beginning. I think that his help and advice definitely made the difference in turning my investment dream into a reality. Thanks Clint! Ashley Barr, Japan
Clint’s overall proactive approach he took, together with his constant updates to myself and to my real agent, showed his professionalism, enthusiasm and efficiency in getting the task completed with the least amount of fuss. Furthermore, Clint’s politeness and patience only added to making our constant dialogue that much better. Going through a personal separation is one of the worst experiences anyone can go ever go through.
Thankfully, I was referred to by a friend that highly recommended the services of one Clint Bravo. Clint listened, understood and provided excellent advice which made the separation and financial agreement very straight forward. Not only did I resolve my major financial issue i also refinanced my loan after i was declined by my current lender. He also got a much better interest rate on the new home loan, but most importantly I kept my principle place of residence in which my children called home. Clint’s professionalism, service and knowledge made it a whole less stressful. Thanks Clint Justin – SA
- State: Victoria, VIC
- Broker region: Melbourne North
- Suburbs: Brunswick, Moonee Ponds, Carlton
- Clint Bravo provides mortgage broking services in suburbs including but not limited to: North Melbourne, West Melbourne, Docklands, South Melbourne, Port Melbourne, Carlton, Flemington, Moonee Ponds, Essendon, Brunswick