Champika Herath - Home Loan Specialist

Champika Herath - Home Loan Specialist Champika Herath is a mortgage broker and financial and credit service provider. CLN Home Loans owned and managed by me.

I commenced my Mortgage Brokering career to build on my extensive skills and continue my commitment of getting the very best for my clients,

CLN Financial services include

Home Loans
Investment Loans
First Home Buyers
Refinance
Personal Loans
Vehicle Loans
Construction Loans
Land Loans
Debt Consolidation
Commercial/ Business Loans

📉 Could you be paying more interest than you need to?Your home loan rate can have a significant impact on your repayment...
04/09/2026

📉 Could you be paying more interest than you need to?

Your home loan rate can have a significant impact on your repayments and the total interest you pay over time.

Some ways to potentially reduce your rate include:

✔ Negotiating with your current lender
✔ Reviewing your home loan regularly
✔ Comparing available loan options
✔ Considering refinancing where appropriate

Don't simply assume your current rate is the best rate available.

📞 Contact Champika for a home loan review: 0413 254 728

🔄 Thinking about refinancing your home loan?Don't focus only on the interest rate. There are several important factors t...
28/08/2026

🔄 Thinking about refinancing your home loan?

Don't focus only on the interest rate. There are several important factors to consider before making the switch.

✔ Loan fees
✔ Interest rates
✔ Loan structure
✔ Offset accounts
✔ Redraw facility
✔ Loan term
✔ Lender policy

A lower rate doesn't always mean a better loan. Make sure the overall loan suits your financial situation and future goals.

📞 Contact Champika to discuss your refinancing options: 0413 254 728

🏡 Want to pay off your mortgage faster?There are several strategies that could help you reduce your loan term and save o...
21/08/2026

🏡 Want to pay off your mortgage faster?

There are several strategies that could help you reduce your loan term and save on interest over time.

From making additional repayments to using an offset account effectively, the right strategy can make a difference to your financial goals.

Every borrower's situation is different, so it's important to choose a strategy that works for you.

📞 Contact Champika for a personalised consultation: 0413 254 728

🔍 Your home loan shouldn't be a "set and forget" product.Markets change. Rates change. Your goals change.An annual revie...
15/08/2026

🔍 Your home loan shouldn't be a "set and forget" product.

Markets change. Rates change. Your goals change.

An annual review could help ensure you're still getting the best deal available and potentially save thousands over time.

📞 Book a review with Champika: 0413 254 728

🚫 Avoid these common first home buyer mistakes:❌ Waiting too long to get pre-approved❌ Not understanding borrowing capac...
01/08/2026

🚫 Avoid these common first home buyer mistakes:

❌ Waiting too long to get pre-approved
❌ Not understanding borrowing capacity
❌ Focusing only on interest rates
❌ Applying with multiple lenders

A little planning can save a lot of stress.

📞 Contact Champika for guidance: 0413 254 728

🏘️ Did you know the equity in your current property could help fund your next purchase?Many Australians are growing thei...
25/07/2026

🏘️ Did you know the equity in your current property could help fund your next purchase?

Many Australians are growing their property portfolio by leveraging equity rather than relying solely on savings.

The key is structuring it correctly from the beginning.

📞 Contact Champika to explore your options: 0413 254 728

📅 Is your fixed rate coming to an end?Before you roll onto your lender's standard variable rate, it's worth reviewing yo...
19/07/2026

📅 Is your fixed rate coming to an end?

Before you roll onto your lender's standard variable rate, it's worth reviewing your options.

A quick review today could help you:
✔ Lower your repayments
✔ Secure a better rate
✔ Avoid unnecessary interest costs

📞 Speak with Champika today: 0413 254 728

💰 Even small extra repayments can make a big difference.Adding just a little extra to your mortgage each month could:✔ R...
11/07/2026

💰 Even small extra repayments can make a big difference.

Adding just a little extra to your mortgage each month could:
✔ Reduce your loan term
✔ Save thousands in interest
✔ Help you own your home sooner

Want to see the numbers for your loan?

📞 Contact Champika: 0413 254 728

📉 When was the last time you reviewed your home loan?Many homeowners are paying higher rates than necessary simply becau...
04/07/2026

📉 When was the last time you reviewed your home loan?

Many homeowners are paying higher rates than necessary simply because they haven't asked their lender for a better deal.

The good news?

✅ We can negotiate with your lender on your behalf
✅ No cost to you
✅ Potentially save thousands in interest over the life of your loan

Don't let loyalty cost you money.

📞 Contact Champika for a free rate review: 0413 254 728

Think you need a huge deposit to buy your first home?With the First Home Guarantee Scheme, eligible first home buyers ma...
27/06/2026

Think you need a huge deposit to buy your first home?

With the First Home Guarantee Scheme, eligible first home buyers may be able to purchase a property with as little as 5% deposit.

🏡 Enter the market sooner
💰 Save on upfront costs
✨ Turn your dream of homeownership into reality

We'll guide you through the process from start to finish.

📞 Speak with Champika today: 0413 254 728

Address

8 Hibiscus Crescent
Point Cook, VIC
3030

Opening Hours

Monday 7:30am - 7:30pm
Tuesday 7:30am - 7:30pm
Wednesday 7:30am - 7:30pm
Thursday 7:30am - 7:30pm
Friday 7:30am - 7:30pm
Saturday 7:30am - 7:30pm
Sunday 7:30am - 7:30pm

Telephone

+61413254728

Website

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