Claremont Financial

Claremont Financial Partner with Australia's Leading Mortgage Brokers to secure your financial future

Your HECS debt doesn’t have to cost you $40k-$50k in borrowing capacity - it just depends on which lender you go with. M...
29/05/2026

Your HECS debt doesn’t have to cost you $40k-$50k in borrowing capacity - it just depends on which lender you go with.

Most people assume it’s a fixed hit. It’s not. Some lenders ignore HECS below a certain balance threshold. Others assess it differently if it’s close to being paid off. The repayment is what hurts your capacity, not the balance itself - so small moves can make a big difference.

DM us your income and HECS balance and we’ll run the numbers.

General information only. Not financial advice. Credit provided by authorised lenders.

28/05/2026

Rapid fire round with the Claremont crew 🔥
 
We put each other on the spot, no thinking allowed.
 
The brief: best dinner spot in Melbourne, where you’ll find us on a Friday arvo with a cold one and everyone’s most controversial food opinion.
 
Some solid picks, but a couple of questionable controversial food opinions!

Two of our Directors dusting off the boots for the Legends Game last weekClaremont Financial is proud to sponsor , and ...
26/05/2026

Two of our Directors dusting off the boots for the Legends Game last week

Claremont Financial is proud to sponsor , and even prouder to give back to a place that gave us so much.

From junior coaches to volunteers to the families on the boundary every Saturday, this club runs on people who show up for each other and we’re so grateful to still be part of it.

Swipe left for some high (and very low) lights 👉

A registered nurse came to us ready to buy in Melbourne’s inner north. Solid deposit, stable income, clear on what she w...
25/05/2026

A registered nurse came to us ready to buy in Melbourne’s inner north. Solid deposit, stable income, clear on what she wanted.
 
Her bank had already quoted her over $22,400 in LMI. She thought that was just the cost of buying with less than 20% down.
 
What they didn’t tell her: as a registered nurse, she qualified for a full LMI waiver with the right lender. We matched her to a lender on our panel with a healthcare professional policy, confirmed eligibility and structured the loan to suit.
 
The result: ✅ $22,400 in LMI waived ✅ Settled in under six weeks ✅ Repayments lower than her previous rent
 
If you’re a nurse, doctor or other eligible healthcare professional and you’re thinking about buying, it’s worth getting a second opinion before you accept LMI as part of the deal. The savings can be substantial.
 
Send us a DM or book a chat through the link in bio.
 
This content is general information only and not financial advice. Please consider your personal circumstances before acting.
 

Last week’s Federal Budget is the biggest shake-up to property investment tax in 25 years. Three changes worth knowing a...
21/05/2026

Last week’s Federal Budget is the biggest shake-up to property investment tax in 25 years.
 
Three changes worth knowing about:
1. Negative gearing restricted to new builds only from 1 July 2027
2. The 50% CGT discount being replaced with CPI indexation plus a 30% minimum tax
3. Discretionary trusts facing a 30% minimum tax on income from 1 July 2028
 
If you already own, you’re grandfathered. Properties held (or under contract) at 7:30pm AEST on 12 May 2026 stay under the current rules for as long as you hold them.
 
If you’re planning your next move, the maths has shifted. New builds keep both negative gearing and the 50% CGT discount option. Established stock loses both post-transition.
 
Swipe through for what it means depending on your situation and three steps worth taking this month.
 
These measures are not yet law and may be amended before passing parliament. Talk to your accountant before making any major decisions, and we’ll handle the lending side.
 
General information only. Does not constitute personal financial, tax or credit advice. Your full financial situation and needs must be considered before any decision is made.

The RBA just raised the cash rate to 4.35% and the message from the Board is pretty clear: inflation isn’t going away an...
05/05/2026

The RBA just raised the cash rate to 4.35% and the message from the Board is pretty clear: inflation isn’t going away anytime soon.
 
Rising fuel costs off the back of the Middle East conflict are adding pressure on top of what was already a stubborn inflation problem. The RBA has flagged more rises are possible if things don’t improve.
 
If you’ve got a variable rate home loan, your repayments are going up. If you’re looking to buy, your borrowing capacity has just taken another hit.
 
Not sure how this affects your situation? Drop us a DM and we can run through the numbers together.

29/04/2026

Meet Nathan, one of the directors at Claremont Financial!

With over a decade of experience as a Mortgage Broker, he helps homeowners and investors navigate even the most complex financial situations with confidence and clarity.

Nathan is passionate about his clients and there’s no deal too tricky for him to work through. 🤝

22/04/2026

Meet James, one of the Directors and Co-Founder of Claremont Financial.

James founded Claremont Financial with a clear intention, a boutique brokerage where clients are genuinely listened to and where advice is tailored specifically around the individual.

Over a decade spent inside the major banks have shaped James into a broker with real market insight. Someone who understands not just how to get a deal done, but how to position clients for the next one and the one after that. It’s a long game perspective clients feel from the very first conversation.

Whatever your next move looks like, he’d love to help you get there.

15/04/2026

Meet Steve - one of four directors here at Claremont Financial!

10+ years in the industry across some of Australia’s biggest lenders before making the move to broking.

Steve started Claremont Financial because he believes clients deserve straight-talking advice and a broker who actually picks up the phone.

He built his career inside the big banks, so whether it’s your first home or a complex investment structure, he’s seen it all.

This is why we love what we do.Taking the stress out of the process and making our clients feel confident and supported ...
13/04/2026

This is why we love what we do.

Taking the stress out of the process and making our clients feel confident and supported every step of the way, that’s always the goal.

Thank you for trusting us with such a big milestone!!!

Address

28 Cremorne Street
Richmond, VIC
3121

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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