# Clear Path Home Loan

> Australia's free home loan education platform. Free calculators, expert guides, and referrals to vetted property and finance professionals. Based in Chatswood, Sydney.

## About

Clear Path Home Loan helps Australians navigate the home loan process with confidence. We provide free educational tools including borrowing capacity calculators, stamp duty calculators, LMI calculators, and repayment calculators. We also connect users with vetted professionals including home loan specialists, financial advisors, buyers agents, accountants, selling agents, and conveyancers.

- **Website**: https://clearpathhomeloan.com.au
- **Location**: Suite 404, 8 Help Street, Chatswood NSW 2067, Australia
- **Phone**: +61 491 905 572
- **Email**: hello@clearpathhomeloan.com.au
- **Hours**: Monday–Friday, 9am–6pm AEST
- **Price**: Free (no cost to the consumer)

## Services

- Free home loan education guides
- Borrowing capacity calculator
- Stamp duty calculator
- LMI (Lenders Mortgage Insurance) calculator
- Repayment calculator
- Referrals to vetted home loan specialists (mortgage brokers)
- Referrals to vetted financial advisors
- Referrals to vetted buyers agents
- Referrals to vetted property tax accountants
- Referrals to vetted selling agents (real estate agents)
- Referrals to vetted conveyancers

## Guides

- [First Home Buyer Guide](https://clearpathhomeloan.com.au/first-home-buyer/): Complete guide for first-time buyers in Australia covering deposits, LMI, government schemes, and pre-approval.
- [Refinancing Guide](https://clearpathhomeloan.com.au/refinancing/): When to refinance, how much you could save, and what to watch out for.
- [Self-Employed Home Loans](https://clearpathhomeloan.com.au/self-employed/): How to get a home loan when you're self-employed in Australia.
- [Property Investor Guide](https://clearpathhomeloan.com.au/property-investor/): Investment property home loan guide including tax benefits and lending criteria.
- [Home Upgrading Guide](https://clearpathhomeloan.com.au/upgrading/): Bridging finance, equity, and how to upgrade your home.
- [First Home Guarantee Scheme](https://clearpathhomeloan.com.au/first-home-guarantee/): Government scheme allowing first home buyers to purchase with as little as 5% deposit.
- [What is LMI?](https://clearpathhomeloan.com.au/what-is-lmi/): Explanation of Lenders Mortgage Insurance in Australia.
- [How Much Can I Borrow?](https://clearpathhomeloan.com.au/how-much-can-i-borrow/): Guide to understanding borrowing capacity in Australia.
- [Fixed vs Variable Rates](https://clearpathhomeloan.com.au/fixed-vs-variable/): Pros and cons of fixed vs variable rate home loans.
- [Home Loan Deposit Guide](https://clearpathhomeloan.com.au/home-loan-deposit/): How much deposit you need — 5%, 10%, or 20%.
- [Refinancing Checklist](https://clearpathhomeloan.com.au/refinancing-checklist/): Step-by-step checklist for refinancing your home loan.
- [Home Loan Pre-Approval](https://clearpathhomeloan.com.au/pre-approval/): Timeline, documents and 5 steps to get conditional approval in 24–72 hours.
- [Bad Credit Home Loan](https://clearpathhomeloan.com.au/bad-credit-home-loan/): How specialist lenders assess borrowers with imperfect credit in Australia.
- [Offset vs Redraw](https://clearpathhomeloan.com.au/offset-vs-redraw/): Comparison of offset accounts and redraw facilities — tax, access and cost.
- [Home Loan Glossary](https://clearpathhomeloan.com.au/glossary/): Plain-English definitions of 50 Australian home loan terms.

## Professional Referrals

- [Home Loan Specialists](https://clearpathhomeloan.com.au/home-loan-specialist/): Why use a mortgage broker — free access to 30–60 lenders.
- [Financial Advisors](https://clearpathhomeloan.com.au/financial-advisor/): Do you need a financial advisor before buying property?
- [Buyer & Seller Agents Hub](https://clearpathhomeloan.com.au/buyer-seller-agent/): Combined guide — buyers agent vs selling agent, comparison, when to use each, calculators.
- [Buyers Agents](https://clearpathhomeloan.com.au/buyers-agent/): Benefits, costs, and how buyers agents save you money.
- [Property Accountants](https://clearpathhomeloan.com.au/accountant/): Tax deductions, depreciation, and property tax savings.
- [Selling Agents](https://clearpathhomeloan.com.au/selling-agent/): Choosing the right real estate agent — commissions, results, and tips.
- [Conveyancers](https://clearpathhomeloan.com.au/conveyancer/): Property settlement guide and why you need a conveyancer.

## Contact

- [Contact Form](https://clearpathhomeloan.com.au/contact/): Get a free, no-obligation referral to a vetted professional.

## Optional

- [Full details](https://clearpathhomeloan.com.au/llms-full.txt): Extended information for AI systems.