Clearwater Finance

Clearwater Finance Clearwater Finance caters for all your financial needs. We cover residential, commercial, SMSF, Business and Asset Finance lending. Supporting First Home Buyers.

Big news from Clearwater Finance! We've been named a Finalist in not one but two categories at the 2026 RKCC Mineral Res...
02/09/2026

Big news from Clearwater Finance! We've been named a Finalist in not one but two categories at the 2026 RKCC Mineral Resources Regional Business Awards:

🏆 Businessperson of the Year — Ryan Marriner, Founder
🏆 MICRO Business

This year's awards celebrate the businesses driving growth, innovation, and local investment across Rockingham and Kwinana, with entries assessed by a panel of five respected judges from diverse business backgrounds. It's one of the region's best chances to be recognised as a business champion, and we're proud to be part of it.

Thank you to the Rockingham Kwinana Chamber of Commerce, Mineral Resources, and all the partners and sponsors who make this night possible. See you there on 12 September!

Renovating an investment property can help attract quality tenants, improve rental returns and potentially add value to ...
31/07/2026

Renovating an investment property can help attract quality tenants, improve rental returns and potentially add value to your property. But before choosing paint colours or collecting quotes, it’s worth understanding how you’ll fund the project.

Many investors focus on the renovation itself and overlook the impact their funding choice can have on cash flow, borrowing capacity and long-term costs. The good news is that there are several ways to finance a renovation, from accessing equity to topping up an existing home loan. Here’s what you should know before getting started: https://lnkd.in/gsWeCCVE

After years of fierce competition, fast-rising prices and crowded auction weekends, the market is beginning to show sign...
24/07/2026

After years of fierce competition, fast-rising prices and crowded auction weekends, the market is beginning to show signs of a shift. More properties are being listed for sale, homes are taking longer to sell, and buyers are becoming increasingly selective about what they’re willing to pay.

One of the clearest signs of this changing market can be seen in auction clearance rates. Nationwide, fewer properties are selling under the hammer, with clearance rates recently dipping below 50%. In Sydney and Melbourne, auction success rates have dropped to their lowest levels in years.

While this may sound like bad news for sellers, it could create opportunities for buyers. A softer market can mean less competition, more room to negotiate and a greater chance of finding the right property without feeling pressured to act quickly.

So, what’s driving the decline in auction clearance rates, and what could it mean if you’re looking to buy? Read more: https://lnkd.in/gBGZHFkh

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

30 June is fast approaching. For property investors, it’s a natural time to review your position and get records in orde...
29/05/2026

30 June is fast approaching. For property investors, it’s a natural time to review your position and get records in order before the financial year closes. This year, there’s an added reason to take stock. The Federal Budget introduced changes to negative gearing and capital gains tax that will affect the way residential property investments are treated from 1 July 2027.

Existing properties are grandfathered, but if you’re planning your next move, it’s worth being across the details. For more information, read our Budget summary here: https://financefocus.connective.com.au/welcome-to-our-may-newsletter-9/

With that in mind, here are a few general practical areas worth reviewing before 30 June: https://financefocus.connective.com.au/get-eofy-as-a-property-investor/

Buying before you sell? Bridging loans explained: https://lnkd.in/gvYM8wfbFor many homeowners, timing can be one of the ...
15/05/2026

Buying before you sell? Bridging loans explained: https://lnkd.in/gvYM8wfb

For many homeowners, timing can be one of the challenges when purchasing their next property. If you’re planning to sell your current home to fund your next purchase, a bridging loan may be worth considering.

Most home loans are set and forgotten. Should yours be? A simple loan fit check can show whether your current loan is st...
08/05/2026

Most home loans are set and forgotten. Should yours be? A simple loan fit check can show whether your current loan is still working for you.

Start with a quick, no-obligation chat.

Offset or redraw: Things to consider as rates riseWith interest rates rising, many borrowers are taking the time to revi...
01/05/2026

Offset or redraw: Things to consider as rates rise

With interest rates rising, many borrowers are taking the time to review their home loan arrangements. A review of your loan structure may assist in managing repayments, subject to your individual circumstances.

Offset accounts and redraw facilities are features offered on some home loans. When used appropriately, they may help reduce the interest payable and overall loan costs, depending on individual circumstances.

Read more: https://lnkd.in/gMnXSNRG

A fresh valuation could unlock usable equity — whether that’s for a rate review, equity release, or restructuring your l...
22/04/2026

A fresh valuation could unlock usable equity — whether that’s for a rate review, equity release, or restructuring your lending to work smarter.

Refinancing isn’t always about changing banks. Sometimes it’s about reshaping what you already own.

Are you in an equity share situation and looking to take full ownership?

If you’re curious what your property is really worth today, let’s have a conversation.

📩 Message us for a no‑pressure equity review.

Pure Advice. Clear Results.

Address

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

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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