Whether you’re buying your first home, upgrading your current property, investing, or refinancing, Clear Finance helps you secure the right loan with the right structure to match your financial goals.
We compare hundreds of loan products across more than 30 lenders and guide you through the entire process from application to settlement.
Home Loans
Buying a home is a big financial decision, and it’s not one you should navigate alone. Our brokers work with you to understand your budget, long-term plans, and unique situation, then compare a wide range of lenders to find the home loan that fits best.
We help:
First-home buyers
Upgraders and downsizers
Owner-occupiers looking for strategic loan structuring
With Clear Finance, you don’t just get a loan, you get personalised guidance to make the process simpler, smarter, and more financially effective.
If you already have a mortgage, refinancing could save you thousands, but it’s not just about chasing a lower interest rate. We assess your current loan structure, interest rate, and future goals to help you improve your position in a meaningful way.
We provide:
Refinance analysis with side-by-side savings comparisons
Cost-benefit breakdowns and cashflow impact assessments
Strategic restructuring to reduce your loan term or improve flexibility
Not every refinance is worth it, and we’ll only recommend it if it makes real financial sense for you.
Whether you’re buying your first investment property or expanding your portfolio, we help you secure investment loans that align with your strategy.
Our brokers compare options from a large network of lenders including major banks to find the right product and structure to:
Improve cashflow
Maximise tax effectiveness (speak to your accountant for specific advice)
Support long-term property goals
We also work closely with you to explore loan features like interest-only periods, offset accounts, and split loan structures, tailored for investment purposes.
Most lenders require a minimum deposit of 10–20%, but we may be able to secure finance with as little as 5% depending on your circumstances.
Can I refinance to access equity in my home?
Yes — many clients refinance to unlock equity for renovations, investments or debt consolidation. We’ll assess your current position and advise you on the smartest way forward.
How does an offset account reduce my interest?
An offset account is linked to your loan and reduces the interest charged by offsetting your loan balance with your account balance. It’s a powerful tool when used correctly.
Is refinancing always a good idea?
Not necessarily. We’ll only recommend refinancing if the savings and benefits outweigh the costs. Every situation is different — and we’ll give you a clear comparison.
Can I use equity to invest in another property?
Yes — with enough equity, you may be able to use it as a deposit on an investment property. We’ll help you calculate your borrowing position and structure the loan accordingly.
Have more questions?
Visit our FAQ’s page to find out more or ask one of us directly?
