Clear your tax debt in full using your property equity and take back control
- Pay the ATO out in full as quickly as three weeks
- Reduce monthly repayments by up to 80%
- Bad credit or missed payments? Still eligible
How does this process work?
We assess your position
We review your tax debt and financial position in detail, then identify the most suitable financing and consolidation options for your specific situation. Never a generic solution.
We present your strategy
We put together a strategy using specialist lenders who focus on tax debt consolidation, with a full breakdown of your new position and repayments. Presented within 48 hours of receiving your documentation.
We restructure and refinance
We structure repayments so you can clear the debt as fast as your cash flow allows. Once it's repaid, we help you refinance to a major lender for a lower, long term rate. Most clients settle within three to four weeks.
Same debt. A completely different outcome.
*Applies where the borrowing relates to your business. Deductibility depends on your circumstances. This is not taxation advice, always confirm with your accountant.
What our clients say
Steve was professional, highly knowledgeable and efficient in his work. Great to work with and strongly recommend.
My best experience with clarity and professionalism in lending. Steven was no time waster and offered me multiple options to sort my lending. He can get lending done for sure.
I got to know Steve through a colleague during a normal conversation, and I'm honestly so glad I did. From the very first meeting, I could tell he genuinely knew his stuff. He took the time to understand my situation and walked me through a couple of different strategies. The level of communication, professionalism, and support Steve provided from loan application right through to settlement was outstanding.
I recently worked with Steven at Initio Finance for refinancing my mortgage and couldn't be happier with the experience. Refinancing can be a stressful process, but Steven made it straightforward and hassle-free. I always felt like I was in good hands.
I highly recommend Steven at Initio Finance. He's clearly passionate about property and genuinely goes the extra mile to secure the best outcome. I was really impressed by his pragmatic approach and the way he put together a clear, realistic plan tailored to my situation.
Steven was great to deal with, along with great communication. I would definitely recommend using Steven for your home loan.
Steve was recommended by a friend, Steve lived up to the reputation and has been great with communication and transparency to advise who or what's needed. Highly recommend and will be using him again very soon!
Steve helped my partner and I on multiple fronts in relation to an existing home loan as well as assistance with purchasing a new property. Steve provided us with guidance and a step by step pathway on how we can further progress in the property market. The process as a whole was smooth, clearly communicated and transparent.
Steve is an absolute dream to work with! The whole process from the start was smooth, stress-free, and his communication style is clear, thorough, and simply transparent. One of the best mortgage brokers around that made my partner & I feel supported every step of the way. Can't recommend him enough!
I cannot recommend Steve highly enough. From start to finish, his communication was absolutely superb. He clearly knows the market inside out and genuinely works in your best interest. Steve is professional, knowledgeable, proactive, and truly cares about his clients.
The team at Initio Finance were extremely helpful in securing our loan. Steve was thorough in exploring all options we had available based on business/personal circumstances. Always clear and quick in communication, highly recommend.
Great experience from start to finish. Very professional, responsive, and easy to deal with. Made the whole process feel straightforward and stress-free. Highly recommend.
Steven is an absolute legend and working with him was easily one of the best decisions we made when buying our first home. Steven spent time getting across our goals and financial position, and genuinely cared about getting us the right outcome. We already have plans to buy property #2 with Steven and are very excited to continue working with him!
We had an excellent experience working with Steven from Initio Finance. From start to finish, he was professional, informative and so knowledgeable. He broke down our options clearly, helped us understand what we could realistically afford, and made sure we knew what was happening at each stage. We'd highly recommend Steve to anyone looking for a reliable and trustworthy mortgage broker.
Steven is very professional and highly knowledgeable. He provided advice that my other brokers didn't even think of. He is easy to get hold of, and I would definitely recommend his services.
Steven was fantastic, and very professional. He was all over it, and very fast! Nothing was too hard for him. I'd highly recommend Steven
Steven has been extremely reliable and knowledgeable and has assisted and guided me throughout the whole process. Any questions and uncertainties that I had were answered quickly and really made the whole process stress free. Highly recommend.
Steven went through our requirements and was able to give us the advice of what we needed. His explanation of what was involved was clear and he found our best option. We will definitely reach out to Initio Finance again.
I had such a great experience with Initio Finance while buying my first home. Steven was amazing to deal with, super knowledgeable and made everything feel really easy and stress free. Steven even came to the auction and supported us on our big day, which just highlighted how above and beyond he goes.
I worked with Steve multiple times to secure investment home loans and was really impressed with Steve's level of professionalism and above all his expertise in building portfolio strategies, and lending landscape. Highly recommend Initio Finance.
Steve was able to help me get past a roadblock in my borrowing when others couldn't. His great communication made everything much easier, which means a lot! Thanks again, Steve.
I cannot recommend Steven highly enough. He is an absolute standout in the industry — consistently reliable, incredibly responsive, and always one step ahead. His ability to secure the best possible deals, no matter how complex the circumstances, is genuinely impressive.
Working with Steve at Initio Finance was an absolute pleasure. He made the entire process of securing finance for my investment property smooth, straightforward, and stress-free. His knowledge of the market and attention to detail gave me full confidence from the start.
A big recognition to Steven! He was very helpful and made the process of buying my partner and I's first property super easy. If we had any questions, he was just a phone call away - he showed great commitment and was very transparent.
Steven and the team efficiently moved my mortgage to another lender. I only needed to complete the required forms and address occasional questions. Overall, what could have been a stressful process was made effortless by Steven's team.
We recently worked with Steve to refinance our home loan, and the experience was outstanding from start to finish. Thanks to his deep knowledge of the market and attention to detail, we were able to secure a much better rate and loan structure that suits our current situation perfectly.
I recently worked with Steven from Initio Finance to refinance my mortgages, and I couldn't be more impressed. Steven was incredibly knowledgeable, insightful, and genuinely had my best interests at heart throughout the entire process. Highly recommend Initio Finance to anyone looking for expert mortgage advice and support.
Steven from Initio Finance was wonderful to work with. From the very first consultation, he was professional, knowledgeable and genuinely dedicated to helping me find the best mortgage solution. Being a first time home buyer, the whole process was quite foreign to me, and Steven made the whole process easy to understand from the get go.
Excellent Service from Steven! Steven made purchasing my property seamless and stress-free. His expertise, professionalism, and friendly approach ensured I felt supported every step of the way. I highly recommend Steven to anyone looking for a reliable and knowledgeable broker!
Highly recommend Steven and initiofinance. They made our home loan application very easy. All our questions were answered and in a timely manner! Very professional and very helpful.
My wife and I were referred to Steven at Initio Finance by a friend, and we couldn't be happier with our experience. From the start, Steven took the time to understand our financial goals and found the best mortgage options for us. We would definitely recommend him to anyone looking for a knowledgeable, customer-focused mortgage broker.
I would like to take this opportunity to say a huge Thank You Steven of Initio Finance for organizing our home loan finances. We were looking at buying an investment property interstate and Steven with a wealth of knowledge and understanding of all the processes made the financial process really easy for us.
We used Initio Finance for our first investment property purchase, Steve is fantastic, excellent communication and knowledge :) will be using Initio Finance for all future brokering needs, Thanks again
I had such a great experience using Steven from Initio Finance as my mortgage broker. He made the process of buying my first investment property purchase so easy and seamless. His knowledge and expertise was extremely impressive. I can't fault his service whatsoever.
Steve was amazing throughout the duration of securing our home loan. His knowledge, dedication and commitment was evident throughout. He was readily available and was always quick to respond to any and all correspondence
Steve has to be one of the best mortgage brokers I've ever encountered and will continue to work with him for future brokering needs. He's extremely helpful and I firmly believe that there's no such thing as silly questions! He's answered every question mark I had when refinancing and equity release.
As a physiotherapist, I had an excellent experience working with Steven as my mortgage broker! He highlighted all the possible relevant avenues that allowed me to avoid paying LMI, something I wasn't aware of prior. His deep knowledge of the industry and the specific benefits available for my profession really stood out.
I referred a family member of mine to Steven for finance on short notice. He was extremely helpful from start to end and provided great service. He has a great understanding of both brokering and real estate and we found him to be very insightful.
Steven is a reliable, knowledgeable and very forward thinking broker. I know and trust that he will always find the best lending solution for my needs, as he has demonstrated for 2 of my loans so far. He's always on top of everything and I don't need to stress about my lending finances.
I couldn’t recommend Steven more highly. He was fantastic to work with — professional, knowledgeable, responsive and incredibly helpful. Nothing was ever too much trouble and he made the whole process easy and stress-free. An excellent finance broker!
Steve is amazing, he really came through for my home loan needs. I had a different broker at the time, and had signed a contract of exchange for a property, with 5 days til the expiring of cooling period. That prior broker couldn’t get the job done, the home loan was declined by the big 4 banks. So I contacted Steve, who was recommended to me by a colleague, Steve understood my situation, understood the urgency and time limitation, and came through with a quick solution, a non-bank lender that did pre-approval within 2 business days, and full approval within 5 business days. Steve was proactive throughout the process, he understood my anxiety, and kept me updated and at ease. The home loan was successfully settled, and I couldn’t thank Steve enough for what he did!!! 10/10 recommend.
Let’s clear a few things up
What happens if I have bad credit? (for example, a low credit score, missed repayments, or defaults)
That is not a dealbreaker. We have access to a range of specialist non-bank lenders who do not look at your credit score at all, and who generally take a much softer approach to your credit report overall.
There are lending solutions available for credit impairment ranging from minor issues right through to more severe cases. As a general rule, the more significant the impairment, the higher the interest rate, but there is almost always a solution out there for you.
How does it actually work?
We look at your position first, and assess what your current monthly cash flow looks like and what financing options are available to you. There is a range of options, from using equity in a property through to financing under a business.
We work through your situation to see what is most suitable for you, then provide you with a full breakdown and a personalised strategy based on your unique circumstances.
Is this a legitimate strategy?
Yes, absolutely. There is an entire market of specialist non bank lenders who deal with ATO debt every day and build products specifically for it. It is a completely legitimate and widely used solution, and for a lot of business owners it is the sensible one.
We also recommend running any strategy we put together past your own accountant, to make sure it lines up with their advice for your specific situation.
Why would I want to pay my tax debt off over 30 years?
We agree, and we strongly advise against actually taking 30 years to pay it off. You'd pay far more interest in the long run if you did.
This strategy is designed to protect your monthly cash flow, not stretch your debt out. Once you're back on your feet and your repayments have dropped, you have complete control over how much extra you put toward it and how fast you pay it down. That's exactly why we keep this debt separate from your existing mortgage.
Won't my mortgage rate increase?
In most cases, yes. Refinancing from a major lender to a specialist lender that allows tax debt consolidation generally means a rate increase of around 1 to 1.5%.
This is a short term solution. Once your ATO debt is paid off and you have the income verification to support it, we help every client refinance back to a major lender, generally within three to four years. Our job isn't finished until that happens.
Why would I use a personal asset like property to pay off a business debt?
Great question, and a fair one to ask. Most business owners don't realise the ATO already has the power to come after your personal assets. If a Director Penalty Notice (DPN) is issued, you become personally liable for the tax debt, and the ATO can liquidate personal assets to recover it.
So the real question becomes: why not use those same assets on your own terms, before that happens? Once a DPN is issued, financing those same assets becomes very difficult.
If you're not willing to use personal assets, or don't have any to use, we also have business financing solutions available. This is exactly what we cover in your first consultation.
What does it cost me?
Researching your situation and presenting you with your financing options is always 100% free. It costs you nothing to find out where you stand.
In any circumstance where a fee does apply, it is discussed with you up front. In some cases, if you choose to proceed, there is a small service fee. Nothing before that point costs you a cent.
How quickly can the ATO be paid out?
We have had settlements completed within three to four weeks. It really comes down to two things: how quickly you can get us the documentation we need, and the lender's own turnaround times at the time.
Do I need to be up to date with my tax returns and BAS?
No. We have helped plenty of clients who were behind on both their tax returns and their business activity statements.
There is a multitude of different ways to verify income, so being behind on lodgements does not close the door. There are still solutions open to you.
My tax returns show my business running at a loss or low profit. Will that be an issue?
This is a very common situation, and the good news is our specialist lenders have multiple ways to verify your income beyond your tax returns. Tax returns are one option, but we can also use Business Activity Statements, an accountant's letter, or business bank statements.
What if I am already on an ATO payment plan?
That is fine, and it is good that you are engaged with the ATO. What is worth understanding is that payment plans are rarely a sustainable long term option, because the terms are generally so short, usually somewhere between six and twenty four months, which pushes the monthly repayments up high.
A payment plan is great for keeping you afloat and in good standing with the ATO while you sort things out. It is exactly why so many business owners look for a way to clear the debt entirely rather than keep managing it month to month.
Will this hurt my credit file?
No. We do not lodge anything until there is a clear plan in place. We hold a 99.2% approval rate because we only submit applications we are extremely confident will be approved.
We have strong relationships with our lenders and can often get an answer on your situation before an application is even lodged. That is one of the real benefits of working with a broker who specialises in ATO tax debt consolidation. Having to shop an application around multiple lenders is very rare for us.
Steven Christodoulos
Steven specialises in helping business owners consolidate ATO tax debt and high interest debt into one manageable, affordable repayment.