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Award Winning | Respected | Reputable | Approachable | Customer Focused

First time borrowers WELCOME

Clearwater Finance — Your Finance Partner for Life.

16/10/2026

So, what does Skydiving and Buying Property have in common?

Last Sunday, my family sent me to do something I'd never done before: a tandem skydive from 14,000 feet over Jurien Bay.

As the plane climbed higher, the reality that I was about to jump out of a perfectly good aeroplane was front of mind.

Emotions came in waves, but I was surprising somewhat calm.

Why?
Because I wasn't doing it alone.

I had a professional who had done these hundreds, if not thousands, of times before. Every step had been explained.

All I had to do was trust the process and enjoy the experience. (finances reviewed, lenders compared, selected and preapproved)

So, I sidled over to the door. (shortlisted properties I liked)

The view was incredible, and the sight over the Clearwater of the Turquoise Coast was spectacular. (we found the one we wanted)
Then the door opened. (placed an offer)

The leap was happening, and we were away……. (offer in!)

After the initial rush of many emotions, there was a sense joy (offer accepted)

Free fall. Everything going so quick, information overload… (seeking finance)

The chute deploys and it slows down, calmness and you take in the surroundings in more detail. The view is exceptional (Approval )

Enjoy the ride, keep taking it and before you realise, you are on the ground. (settlement)

Whether you're buying your first home, upgrading, investing, refinancing, or releasing equity, the process can feel intimidating.

There can be fear, uncertainty, and moments where you wonder if you're making the right decision.

But just like a skydive, the journey becomes much easier when you have experienced professionals guiding you every step of the way.

Our role is to explain the process, answer the questions, manage the details, and help clients move forward with confidence from take-off to landing.

When reflecting afterward, I was wondering why I'd been nervous in the first place.

Sometimes the biggest challenge isn't the process itself, it's taking that first step. But having the right people beside you makes all the difference.

On a side note, I also learnt that freefall at 200km/h, provides very unflattering imagery. There is elasticity in spades. Sheesh

Please reach out as we would love to help.
https://clearwaterfinance.com.au

Credit where it's due, and well worth the experience:
https://skydivejurienbay.com

PURE ADVICE | CLEAR RESULTS

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Disclaimer: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. Licensing Statement: Credit Representative 549094 is authorised under Australian Credit License 389328.

Did you know that your home loan structure affects more than your monthly repayments. For investors and upgraders, under...
13/10/2026

Did you know that your home loan structure affects more than your monthly repayments.

For investors and upgraders, understanding how your loan interacts with tax rules helps you make informed decisions that support your long-term plans.

•Investment loan interest is deductible when used for income-producing property.
• Owner-occupied loan interest is not deductible.
• Offset accounts preserve loan balances and future flexibility.
• Negative gearing rules change from the 2027-28 income year for properties purchased after May 2026.
• Loan structure matters when converting your home to an investment property.

We work with buyers and investors to review loan structures, understand tax implications, and plan for the long term.

Request a call back via this link from one of us:-
https://clearwaterfinance.com.au/ -a-callback

Read more here.
https://clearwaterfinance.com.au/blog/how-to-use-your-home-loan-for-tax-efficiency

Disclaimer: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. Licensing Statement: Credit Representative 549094 is authorised under Australian Credit License 389328.

Funding Solutions to Help Your Business Grow!Business loans are a form of commercial lending that provides businesses wi...
08/10/2026

Funding Solutions to Help Your Business Grow!

Business loans are a form of commercial lending that provides businesses with access to funds for a wide range of purposes.

From small business loans designed to cover unexpected expenses, through to larger facilities for business acquisition or business expansion, there are many different loan structures available depending on what your business needs.

At Clearwater Finance, we take the time to understand your situation before recommending any loan structure.

We look at your cash flow, your working capital requirements, your business financial statements, and your overall goals so we can help you find a loan that genuinely fits.

Would you like to read more...
https://clearwaterfinance.com.au/business-loans

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Disclaimer: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. Licensing Statement: Credit Representative 549094 is authorised under Australian Credit License 389328.

For the fourth time this year, the Reserve Bank of Australia (RBA) has raised the cash rate, increasing it by 0.25 perce...
30/09/2026

For the fourth time this year, the Reserve Bank of Australia (RBA) has raised the cash rate, increasing it by 0.25 percentage points to 4.6%.

Today’s increase adds further pressure to household budgets already stretched by higher living costs.

If you’re concerned about what the latest rate rise could mean for your repayments, or you’d like to know whether your current home loan is still competitive, we’re here to help.

Even if you’re not looking to buy at the moment, it’s worth reviewing your mortgage.

We can compare your options and ensure your home loan still meets your needs.

We might be able to speak to your current lender about a hardship program, if you’re struggling to make your repayments.

DM us anytime. We're here for YOU!
Read more about us https://clearwaterfinance.com.au/

Disclaimer:
Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.
Licensing Statement: Credit Representative 549094 is authorised under Australian Credit License 389328

With today being a public holiday, it may be you're decided to grab a coffee and view some listings for homes for sale. ...
28/09/2026

With today being a public holiday, it may be you're decided to grab a coffee and view some listings for homes for sale.

We thought we'd start that process for you:-
https://www.realestate.com.au/property-house-wa-warnbro-152296280

There are 329 properties for sale in the region, so maybe its two cups of coffee and a bread roll......

For the financial side, we're here to help you though the process!

DM US anytime.
We're well respected, experienced and are very welcoming.

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Disclaimer:
Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.
Licensing Statement: Credit Representative 549094 is authorised under Australian Credit License 389328

From the moment you step through the double-door entry, there is something special about this home.Set in a super-quiet Warnbro street on a huge 805sqm block, this incredibly spacious 4-bedroom, 2-bathroom residence offers a unique floorplan centred around a stunning private atrium. Filled...

May the DOCKERS do WA PROUDImagine the buzz, feel and excitement at today's game! MAY WA UNITE in this Grand Final VICTO...
26/09/2026

May the DOCKERS do WA PROUD
Imagine the buzz, feel and excitement at today's game!
MAY WA UNITE in this Grand Final VICTORY!

GO DOCKERS!

Refinancing your home loan can lower your monthly repayments, secure a better interest rate, and help you pay off your m...
24/09/2026

Refinancing your home loan can lower your monthly repayments, secure a better interest rate, and help you pay off your mortgage sooner.

Most people know about this, but don't ask about it.
Here at we want you to ASK!
Just imagine if all the ducks line up, how all of these steps can HELP YOU.
That's our goal, to be your Lifetime Financial Partner.

Reach out for a DM or view more about us here:-
https://www.facebook.com/ClearwaterfinanceAU

What are some of the Key Benefits of Refinancing.....
Lower interest rates: Switch to a more competitive rate to reduce your monthly costs and total interest.

Access home equity:
Tap into your property's built-up value to fund renovations, buy an investment property, or cover major expenses.

Consolidate debts:
Roll high-interest debts like credit cards or personal loans into your mortgage for a single, lower-rate repayment.

Upgrade loan features:
Add useful tools like an offset account or redraw facility to minimize interest.

Change loan structure:
Switch between variable, fixed, or split rates to match your financial goals.

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Disclaimer:
Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.
Licensing Statement: Credit Representative 549094 is authorised under Australian Credit License 389328.

Home, business, investment or your next big purchase | START with Clearwater Finance.We’re accredited to cover residenti...
21/09/2026

Home, business, investment or your next big purchase | START with Clearwater Finance.

We’re accredited to cover residential, commercial, SMSF, Business and Asset Finance lending needs. With over 40 lenders on our panel, we know there is something that is right for you.

Our focus YOU! Our client, each solution is tailored to your specific needs and objectives.

The lifelong relationship is what we’d love to build with you:-
Your First Home; Investors; Upgraders & Downsizers; Developers; Businesses; SMSF purchases; Restructures and much more…. Together we’re looking out for you!

Ryan Marriner
Finance Specialist & Director

[email protected]
0407 043901

https://clearwaterfinance.com.au
https://www.facebook.com/ClearwaterfinanceAU
https://www.linkedin.com/company/clearwater-finance

Award Winning | Real Respected | Reputable | Approachable | Customer Focused

Would you like to read some of our stories | https://clearwaterfinance.com.au/blog

Your Finance Partner for Life
Helping You Move Forward With Confidence

Calling all first home buyers, this short article will help you with the financial aspect of your purchase.  Plus CONGRA...
18/09/2026

Calling all first home buyers, this short article will help you with the financial aspect of your purchase. Plus CONGRATULATIONS it's a great milestone in your life.

Sit back, grab a coffee and if you need us, reach out via DM and we can chat, anytime!

Click here for all the answers to get you started:-
Oh and whilst the article reads Warnbro, its suitable for all suburbs.

A practical home buying checklist for Warnbro first home buyers covering deposit requirements, loan features, grants, and documents needed for approval.

Australia’s property market is moving through a softer phase. Rising interest rates, stretched affordability, and the fe...
07/07/2026

Australia’s property market is moving through a softer phase. Rising interest rates, stretched affordability, and the federal budget’s tax reforms have eased buyer demand.
This is particularly evident across Sydney, Melbourne, and Canberra, where prices have drifted lower since the start of the year.

Conditions vary considerably by location, property type, and price bracket. While some markets continue to hold firm, others are seeing more listings, longer selling times, and vendors with greater motivation to negotiate.

For buyers who are prepared, a quieter market can present a different set of opportunities than what was available during the peak. So, what does a softer market actually mean for buyers? Read Here: https://lnkd.in/g7ny84uh

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Suite 3, Level 1, 7 Railway Terrace
Rockingham, WA
6168

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