Loan Services

Finance that fits where you are — and where you're heading.

Buying your first home, expanding a portfolio, or refinancing for what’s next — we start by understanding your situation before recommending anything. Every client is assessed on their individual circumstances.

Best for: First & next-home buyers

Residential Loans

Whether you are buying, upgrading or downsizing, we compare loan structures across our lender panel and present options suited to your borrowing position and repayment preferences. We explain the trade-offs between features so you can make an informed decision.

Pre-approval management to give you confidence and clear boundaries when bidding or negotiating
Tailored structuring balancing fixed and variable splits, offset accounts, and redraw facilities
Guidance on borrowing capacity, deposit requirements and long-term serviceability considerations

Talk to a broker →

First & next-home buyers

Best for: Property investors

Complex Lending

Company, trust and SMSF borrowing involves specific lender requirements and regulatory obligations that standard residential pathways don’t accommodate. We have experience structuring these applications and work closely with your accountant or legal adviser to ensure the lending approach is consistent with your existing structures.

SMSF residential and commercial property lending structured strictly within compliance frameworks
Company and trust borrowing solutions that respect asset protection and complex income streams
Direct coordination with your accountant or legal adviser throughout the application process

Plan your portfolio →

Wealth strategy

Best for: Existing homeowners

Investment Loans

We consider how your current borrowing position may affect your capacity to act on future opportunities. With interest-only options, equity release and structuring to avoid unnecessary cross collateralisation, we structure lending around your longer-term property goals, not just the immediate transaction.

Loan structures considered in the context of cash flow management and portfolio scalability
Equity release assessed strategically as part of your broader lending plan
Regular portfolio reviews to ensure your rates, structures and lenders stay aligned with your goals

Get a rate review →

Save monthly

Best for: Refinance

Refinancing

We compare your current loan against lenders on our panel, factoring in switching costs, cashback offers and what your existing lender may offer to retain you. A refinance is only recommended when the numbers and your circumstances support it.

Honest benchmarking that accounts for what your existing lender will offer to keep you
Full cashback and switching cost analysis — because the lowest rate isn't always the best outcome
End-to-end discharge and refinance management to keep the process as straightforward as possible

Start your journey →

Refinancing Solutions

Best for: Builders & renovators

Construction Loans

Construction loans operate on a progress-payment basis, which requires careful coordination between the lender’s drawdown schedule and your builder’s contract milestones. We manage that coordination and structure the finance around your build timeline from the outset.

Drawdowns aligned to each construction stage so interest only accrues on what's been built
Land and build packages and knock-down rebuilds structured for your situation
We coordinate between you, your builder and your lender to help keep the process on track

Discuss your build →

Progress payments

Best for: Business owners

Commercial Lending

Business lending assessments differ significantly from residential lending, and how a case is presented to a lender matters. Drawing on our accounting heritage, we understand business financials and work through a specialist commercial panel with experience across property, equipment and working capital finance.

Commercial property and premises finance tailored to how your business operates and where it's heading
Equipment, fit-out and asset finance structured around your cash flow position
Working capital and business growth loans negotiated through a specialist commercial panel that understands your industry

Speak to a specialist →

Commercial panel

Best for: First Home Buyers

First Home Buyer Support

Buying your first home involves more moving parts than most people expect — grants, scheme eligibility, deposit thresholds, lender policy and timing all need to align. We explain each step clearly and manage the process from initial assessment through to settlement.

First Home Guarantee and state grant guidance to help identify schemes you may be eligible for
Honest guidance on deposit thresholds, LMI and how to structure your savings for approval
Step-by-step support from first conversation through to settlement

Start your journey →

First Home buyers

Best for: Personal Loans

Personal Loans

Personal lending still warrants the same level of assessment as any other loan type — the right structure, term and repayment schedule depends on your specific circumstances. We compare options across secured and unsecured products and explain the cost implications of each before making a recommendation.

Secured and unsecured options mapped to your specific timeline and repayment capability
Debt consolidation options assessed in the context of your existing commitments and repayment capacity
Clear breakdown of costs, fees and early payout conditions before you proceed

Speak to a specialist →

Loan & Finance

Best for: Asset Acquisition

Asset Finance

Asset finance allows businesses and individuals to acquire vehicles and equipment without committing capital upfront. We compare chattel mortgage, leasing and hire purchase options and structure the loan term to reflect the useful life of the asset and your repayment capacity.

Flexible chattel mortgages, leasing, and hire purchase options tailored to your cash flow
Finance options for vehicles, yellow goods, technology and specialised machinery
Loan term structured to reflect the asset’s useful life and your cash flow position

Discuss your asset finance needs →

Motor Vehicles & Equipment

Common questions

The things most borrowers want to know.

How does Clearmap get paid?

Lenders pay us a commission when your loan settles — in most cases at no cost to you - any fee is disclosed upfront before you commit. We're required by law to act in your best interest and disclose any commission upfront.

How many lenders do you compare?

We have access to a panel of 60+ Australian lenders, including the big four, second-tier banks, credit unions and specialist non-banks.

How long does approval usually take?

Conditional approval is often possible within 2–5 business days for straightforward applications. Construction and commercial loans can take longer depending on complexity.

Do you help first home buyers with grants?

Yes — we guide you through state grants, the First Home Guarantee scheme and any current incentives you may be eligible for.

Will applying hurt my credit score?

Our initial assessment doesn't touch your credit file. A formal application or full pre approval with a lender does create a credit enquiry — we only submit once you've chosen your lender.

Not sure where to start?

Tell us a little about your situation. We'll come back with a clear, honest next step within hours.

Book Your Consultation Now →