ClearPath Home Loans doesn't just connect you with a broker. We help you understand exactly where you stand, what you need, and what to expect — before you speak to anyone.
Every home loan journey is different. Start with your situation and we'll walk you through exactly what applies to you — step by step.
Never had a mortgage before. Want to understand deposits, LMI, government grants, and how to find out what you can actually borrow.
Already have a home loan and wondering if you're on a good rate. With 3 RBA rate cuts in 2025, now is a key time to check.
Selling your current home and buying the next one. Bridging finance, equity, and timing all come into play.
Running your own business? Lenders assess you differently. We explain what you actually need and which lenders suit your situation.
Looking to add an investment property or unlock equity in existing properties. Interest-only, offset, and structure all matter here.
Don't know your borrowing capacity, credit score, or whether you'd be approved. Start here — we'll help you figure it out before you apply anywhere.
Most Australians walk into a home loan conversation unprepared. Here's what actually matters — explained plainly.
Lenders look at your income, expenses, and existing debts. A general rule: you can borrow roughly 5–6x your annual income, but your real number depends on your full financial picture.
20% avoids Lenders Mortgage Insurance (LMI), but you can buy with as little as 5% under the First Home Guarantee. LMI isn't a penalty — it's just a cost to weigh up.
Fixed gives you certainty. Variable gives you flexibility and often lower rates. Many borrowers split their loan 50/50 to get the best of both — this is worth understanding before you choose.
The advertised interest rate is never the full picture. The comparison rate includes fees and gives you a true cost. Always compare loans on comparison rates, not headline rates.
An offset account sits alongside your loan. Money in it reduces the interest you pay — dollar for dollar. $50,000 in offset on a $500,000 loan means you only pay interest on $450,000.
If your rate is more than 0.5% above what's available elsewhere, refinancing is usually worth exploring. The average Australian who refinances saves around $3,000 a year.
Tick off what you have. This is what lenders look at — and what a broker will ask you about.
PAYG employees need 3 months payslips. Self-employed need 2 years of tax returns.
Minimum 5% for First Home Guarantee. 20% to avoid LMI. More gives you more lender options.
Most lenders want to see 3–6 months of regular savings deposits, not a lump sum received as a gift.
No defaults, no missed repayments in the last 12 months. Check your credit score free at creditsavvy.com.au.
Credit cards, car loans, BNPL, personal loans — all reduce what you can borrow. Pay down what you can first.
Temporary visa holders have fewer lender options, but some lenders will still consider you.
Passport or driver's licence plus your TFN. You'll need these for any loan application.
That's exactly what ClearPath is here for. A quick conversation costs nothing — we'll tell you honestly where you stand and what to work on before you apply anywhere.
Talk to someone →No credit check. No commitment.
Most first home buyers are surprised to find they're closer to ready than they thought. Don't rule yourself out before talking to someone who actually knows.
Tell us a little about your situation and we'll summarise exactly what you need — then connect you with the right broker. Free. No obligation. No pressure. That's the ClearPath promise.
Click here to speak to someone →Free · No credit check · No obligation · No cost to you, ever
We don't just hand you off to a broker. Here's exactly what you can expect.
A short message or call telling us where you're at — first home buyer, refinancing, not sure. No forms. No pressure. Just a conversation.
We review your situation and pull together a clear picture — what documents you'll need, which loan types suit you, and what you're likely to qualify for. In plain English.
Only when you're comfortable and informed do we introduce you to a trusted broker. They do the work from there — and their service costs you nothing.
Brokers receive a referral fee from the lender when your loan settles. You never pay. There's no catch — this is how the Australian mortgage broking industry works.
Answers to the questions that matter most — especially if this is your first time.