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Loan Services

Finance, tailored to where you are.

Whether you're buying your first home, building a portfolio, or refinancing a business — we structure every loan around your goals, not the lender's preferences.

Best for: First & next-home buyers

Home Loans

The right home loan is rarely the cheapest headline rate — it's the one that fits how you live, save and repay. We compare full features, fees and lender policy across our panel to find a loan that genuinely fits.

  • Owner-occupied loans with offset, redraw and split options
  • Fixed, variable and hybrid structures explained simply
  • Pre-approval support before you bid or sign
Talk to a broker →
Owner-occupied
Best for: Property investors

Investment Loans

Build long-term wealth with finance designed for portfolio growth — including interest-only periods, equity release, and cross-collateralisation strategies (when they actually make sense).

  • Structuring for tax efficiency and growth
  • Equity release for the next purchase
  • Portfolio reviews as rates and policy change
Plan your portfolio →
Wealth strategy
Best for: Existing homeowners

Refinancing

If you haven't reviewed your home loan in 2+ years, you're likely paying more than you need to. We benchmark your current loan against 100+ lenders and only move you if it's genuinely worth it.

  • Honest benchmarking — including your existing lender's retention offer
  • Cashback and switching cost analysis
  • End-to-end discharge and refinance management
Get a free rate review →
Save monthly
Best for: First home buyers

First Home Buyer Support

From deposit strategy to grants, schemes and lender policy — we walk first home buyers through every step with patience, plain English, and zero judgment.

  • First Home Guarantee & state-grant guidance
  • Deposit, LMI and savings strategy
  • Step-by-step support to settlement day
Start your journey →
Grants & schemes
Best for: Builders & renovators

Construction Loans

Building a new home or undertaking major renovations? We arrange progress-payment finance that aligns with your builder's schedule and protects your cash flow.

  • Progress-payment drawdowns aligned to construction stages
  • Land + build packages and knock-down rebuilds
  • Coordination between you, builder and lender
Discuss your build →
Progress payments
Best for: Business owners

Commercial Lending

From commercial premises and equipment finance to business growth funding — we tap into a specialist commercial panel to negotiate terms that work for your business.

  • Commercial property & premises finance
  • Equipment, fit-out and asset finance
  • Working capital and business growth loans
Speak to a specialist →
Commercial panel
Common questions

The things most borrowers want to know.

How does ClearMap get paid?

Lenders pay us a commission when your loan settles — at no cost to you. 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 100+ 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.

Is there a cost for the initial consultation?

No. The consultation, strategy session and loan comparison are completely free with no obligation to proceed.

Will applying hurt my credit score?

The initial pre-assessment doesn't impact your credit file. A formal application creates a credit enquiry — we only submit when you've chosen your preferred 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 a Free Consultation →