With access to a wide panel of lenders and over 50 years of combined industry experience, we specialise in finding solutions for complex or non-standard borrowers, not just the ones who tick every box.
At Clear Finance, we help a wide range of clients secure financial lending solutions that suit their needs, not just their payslips. Whether you’re on a standard regular income, a business owner, or a self-employed contractor, our general finance services are tailored to support your goals at every stage of life.
If you’ve been told “no” by other brokers or banks, we may be able to help.
How It Works
For PAYG Borrowers:
If you’re employed full-time or part-time, applying for finance is straightforward. Simply provide your recent payslips and details about your financial position, and we’ll assess how much you may be eligible to borrow, before you start house hunting.
For Self-Employed Applicants:
If you’re a sole trader, contractor, or business owner, we guide you through the process of structuring and preparing the right documentation. We understand how lenders assess income and can help you package your application for the best chance of approval, even without payslips.
Why Choose Clear Finance?
We compare rates and products from a wide panel of lenders
You’ll receive transparent, strategic advice tailored to your situation
We do the legwork, so you don’t have to
Flexible solutions available up to 95% LVR (LMI may apply)
Potential for 90% LVR with no LMI, or 100% LVR with cross-collateralised equity
Access to additional finance types including: - Asset finance (e.g. car loans, low-doc options) - Fitout loans - Business lines of credit - Margin lending and investment products (All subject to approval)
These tools are a great first step, but if you want clarity specific to your situation, we’re here to help.
Frequently Asked Questions
Can I get a loan if I’m self-employed or don’t have payslips?
Yes — Clear Finance can help non-standard borrowers. We work with lenders who accept alternative documentation such as BAS statements, tax returns or accountant’s declarations.
What is LMI and when do I have to pay it?
Lenders Mortgage Insurance (LMI) is a cost applied if your loan is over 80% of the property value. We’ll help you structure your loan to avoid or reduce LMI where possible.
How much deposit do I need for a general home loan?
Most lenders require at least 10–20%, but we may be able to secure options with lower deposits, depending on your situation and the lender’s policy.
Have more questions?
Visit our FAQ’s page to find out more or ask one of us directly?
Whether you’re buying, building, investing or refinancing, our general finance services are here to help you find the right financial solution with less stress and more clarity.
