What are the 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

Champika Herath - Home Loan Specialist

Home
Australia
Point Cook, VIC
Champika Herath - Home Loan Specialist

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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

02/11/2026

Interest rate hikes can put pressure on your finances - but with the right strategy, you can stay in control.

Here are a few simple ways to reduce mortgage stress:

✔ Review your current rate
✔ Build a buffer in your offset account
✔ Consider refinancing options
✔ Adjust your repayment strategy early
A small adjustment now can save you a lot of stress later.
📞 Contact Champika for a personalised home loan review: 0413 254 728

31/10/2026

This is one of the biggest questions buyers are asking right now.

Waiting could mean lower prices — but nobody can predict exactly where the market will be in 6 or 12 months.

Instead of trying to time the market, focus on what you can control:

✔ Your deposit
✔ Your borrowing capacity
✔ Your repayments
✔ Your loan structure
✔ Your long-term plans

The right time to buy is different for everyone.

📞 Want to understand your numbers? Contact Champika: 0413 254 728

24/10/2026

That notification saying “your repayment has increased” can be stressful.

But don't panic — take action.

Before simply cutting back on everything else, review your mortgage.

✔ Can your rate be negotiated?
✔ Are there better loan options?
✔ Is refinancing suitable?
✔ Could your loan structure be improved?

The earlier you review your options, the more choices you may have.

📞 Contact Champika for a home loan health check: 0413 254 728

10/10/2026

Rent going up every year? You're not alone.

But buying isn't automatically better for everyone — the numbers need to make sense for you.

Let's look at:
🏡 Your potential repayments
💰 Your deposit
📊 Your borrowing capacity
📍 The areas you're considering
💳 Your existing commitments

Sometimes the first step isn't buying a home.

It's simply finding out what you're actually able to afford.

📞 Contact Champika for a personalised conversation: 0413 254 728

02/10/2026

A cheaper property doesn't necessarily mean a cheaper home.

Before you celebrate a lower purchase price, look at the whole picture:

🏡 Interest rate
💰 Deposit
📊 Loan repayments
🧾 Stamp duty & upfront costs
🔧 Ongoing property expenses
📈 Your future financial position

The purchase price is only one part of the equation.

Make sure the numbers work beyond settlement day.

📞 Contact Champika before making your next property move: 0413 254 728

25/09/2026

🏠 Have you considered the equity in your home?

As your property value and home loan balance change over time, you may have built equity that could potentially help you achieve your financial goals.

Depending on your circumstances, equity may be used for purposes such as:

✔ Purchasing an investment property
✔ Renovating your home
✔ Other approved financial goals

The important part is understanding how much equity you can access and whether the strategy is suitable for your financial position.

📞 Contact Champika to discuss your options: 0413 254 728

18/09/2026

🏡 Is this really the best time to buy your first home?

It's a question many first home buyers are asking.

Rather than focusing only on what's happening in the property market, start by understanding your own financial position.

💰 Your deposit
📊 Your borrowing capacity
🏦 Your potential repayments
📍 Your preferred location
🎯 Your long-term goals

There isn't one perfect time for everyone. The right decision depends on your circumstances.

📞 Have questions about buying your first home? Contact Champika: 0413 254 728

11/09/2026

📞 One phone call could save you thousands.

When was the last time you reviewed your home loan?

A simple conversation could help identify opportunities to negotiate your current rate, review your loan structure or explore other options that may better suit your circumstances.

Don't leave your home loan on autopilot.

📞 Call Champika for a free consultation: 0413 254 728

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

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

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

http://www.clnhomeloans.com.au/

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