About Us - Kaleo Finance

Kaleo Finance

Founded by Karen Wirihana after 20 years of Corporate Finance Industry.

Your Voice, Your Dreams, Your Success

At Kaleo Finance, your journey matters. The name Kaleo means "to call" in Greek. A reminder that your voice will always be heard, and that we're here to guide you in answering the call to your homeownership and wealth building dreams.

Two Decades of Finance Expertise, One Clear Purpose

After 20 years in corporate finance, I made a deliberate choice to establish Kaleo Finance with one clear mission: to help ambitious Australians achieve homeownership and build lasting wealth through strategic property investment.

My journey in finance began in the corporate world, where I gained deep insights into lending, risk assessment, and financial structuring. However, it was my own experience as a homebuyer that truly opened my eyes to how transformative – yet unnecessarily complicated – the mortgage process could be without proper guidance.

What I discovered: The difference between those who successfully build wealth through property and those who struggle isn't access to secret strategies or having wealthy parents. It's having an experienced professional who understands the system, knows which lenders offer the best solutions for your unique situation, and can navigate the process efficiently on your behalf.

Why Clients Choose Kaleo Finance

Access to More Options You’re not limited to one bank. Our 40+ lending partners mean better rates, flexible terms, and solutions tailored to your unique needs.

Expertise That Saves You Money We understand lender policies and programs, helping you secure lower rates, reduced fees, and smart loan structures aligned with your long-term goals.

Time and Stress Reduction Skip the hassle of multiple applications. We manage lenders and criteria behind the scenes, saving you time and stress while simplifying the process.

No Cost to You Our service is free. Lenders pay us upon settlement, so you benefit from expert guidance without upfront fees, ongoing charges, or hidden costs.

Local Knowledge That Matters Based in Sydney, we know the local market, lending preferences, and regional factors—giving your application and property decisions a valuable advantage.

Personalised Guidance Every Step We take time to understand your goals and circumstances, offering clear advice and ongoing support so you feel confident at every stage of your journey.

Why I Founded Kaleo Finance

Your voice deserves to be heard. In a world of automated applications and one-size-fits-all lending, I believe every client's unique story, goals, and circumstances matter. When you work with Kaleo Finance, you're never just a number or a transaction – you're an individual with specific dreams and financial objectives.

Your goals become my mission. Whether you're a first-time buyer taking that exciting initial step, a growing family needing more space, or an investor building your property portfolio, I'm committed to understanding exactly what success looks like for you and creating a pathway to achieve it.

Your success is my expertise. Every strategy I recommend, every lender I connect you with, and every solution I propose is carefully selected based on your specific situation and long-term objectives.

Who We Serve: Ambitious Australians Building Their Future

First-Time Home Buyers

Taking your first step into property ownership is both exciting and significant. We specialise in making this journey smooth, informed, and successful. From navigating government schemes to securing pre-approval that actually works, we're with you every step of the way.

Growing Families

Your housing needs evolve as your family grows. Whether you're upsizing, relocating for better schools, or refinancing to improve your financial position, we help ensure your property decisions support your family's changing lifestyle and financial goals.

Property Investors

Building wealth through strategic property investment requires more than just securing loans – it demands comprehensive planning, optimal structuring, and ongoing portfolio management. We work with investors at every level, from first investment properties to sophisticated multi-property portfolios.

Self-Employed & Business Owners

Traditional lending often fails to recognise the reality of modern business ownership and flexible employment arrangements. We partner with lenders who understand your income patterns and can assess your true financial capacity beyond standard employment criteria.

Refinancing & Rate Optimisation

The mortgage market constantly evolves, and what was optimal when you first borrowed may no longer serve your best interests. We proactively monitor your loan performance and recommend refinancing opportunities that could save thousands annually.

Portfolio Tune-Up

Already own property? We review structure, cashflow, and rate strategy across your loans, aligning them to your next move—whether that’s debt reduction, renovation, or expansion.

Our Values: What Drives Everything We Do

Transparency in Every Interaction

No hidden fees, no surprise charges, no confusing jargon. You'll always understand exactly what's happening with your application, what your options are, and how we're compensated. Clear communication isn't just our preference – it's our promise.

Excellence as Our Standard

From initial consultation to final settlement and beyond, we maintain the highest professional standards. This means thorough research, precise application preparation, proactive communication, and solutions that truly serve your best interests.

Community & Relationship Focus

We're not just mortgage brokers – we're part of your community. Many of our clients become long-term relationships, and we take pride in watching families grow, businesses flourish, and investment portfolios expand over the years.

Our Service Areas: Sydney & Australia Wide

Extended Services: Our tech focussed model allows us to proudly support clients throughout Australia Read more