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About Us

Our Team is Ready to Help you!

Clearwater Finance was established to cater for all your finance needs.

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

Our focus is on the client, meaning each solution is tailored to your specific needs and objectives. We are here to cater for all clients, be that First Home Buyers; Investors; Upgraders & Downsizers; Developers; Businesses; SMSF purchases; Restructures and many more.

We are proudly based in the Rockingham and Peel region but cater for all clients no matter the location.

Broker Bio

Ryan Marriner

Finance Specialist & Director

Phone: 0407 043 901
Email: ryan@clearwaterfinance.com.au

Ryan started his Mortgage & Finance Broking career later in life. Originally working his way through Mining and Industrial paths as an Electrician, after many years of shift work it was time for a change.

Since establishing himself in the industry, Ryan has been nominated for several awards and continually strives to further his knowledge and services. In addition to helping his many First Home Owner clients, Ryan has assisted clients with development financing of multiple property construction facilities; gained commercial finance for syndicates; Cash flow finance for upstart businesses and restructures of complex multiple property investment portfolios.

Outside of work, Ryan enjoys the laid-back Rockingham lifestyle with his family. Exploring life above and below the water or taking a trek with his dog on some new path.

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Services

Get the right loan for you

We look forward to helping you with your finance needs. We can help first home buyers, next home buyers, refinancers and investors. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.

There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your individual needs and servicing ability.

We pride ourselves on delivering proactive service and support. We have extensive experience in all things lending, including:

Supporting First Home Buyers

Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant

Investment Loans

Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.

Commercial Loans

Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.

Standard Variable & Fixed Rate Loans

The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.

Honeymoon Loans

A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.

Asset Finance

Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
Why Choose Us

We'll find the loan that's right for you

­­­Whether you are a just starting out with your first home, or you are a seasoned investor, we are committed to providing you with the right home loan to meet your needs. We will discuss every aspect of your loan with you and ensure you understand the fine details – like competitive interest rates, offset facilities, unlimited additional deposits and redraw facilities. You can rely on us to provide you with customer service that you will value for the life of your loan, and that we will continue to support you in achieving your future goals.

Putting our customers at the heart of everything we do sets us apart from our competition. Our commitment to you, our borrowers:

  • We will be easy to do business with
  • You will talk to a real person
  • We will get back to you
  • We will go the extra mile, every time
  • We will listen to what you want
  • We will provide home loan options that suit your needs
  • We will source competitive interest rates
  • We are here to serve you and ensure you will be 100% satisfied with our service.

We have a dedicated team here in house. When you call us, your queries will be answered by one of our friendly brokers. We will guide you through your entire loan application or re-finance process and provide you with the assistance and advice you need into the future.You can feel confident that you are in safe hands and we will find the loan that’s right for you.

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What our clients say..

Without Ryan, we absolutely would not be living in our dream home today. Ryan made the impossible, possible and moved mountains to secure a great home loan package tailored to our needs. Ryan is professional, knowledgable and made us feel comfortable understanding how our loans worked. If you’re looking for finance, the first thing you need to do is talk to Ryan. 5 stars ⭐️

Carly H

Ryan is a fantastic mortgage broker. When we refinanced our first home he helped us get a much better rate then the several other brokers we spoke to before him could. Upon buying our dream, forever property Ryan once again came through for us in a big way. Getting us the best rate possible and helping us get the deal over the line when things were very tight. My family and I are incredibly grateful to Ryan for the work he has done for us. I have recommended Ryan's services to many people over the years and will continue to do so.

Haydn M

Not sure what kind of loan you need?

The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you the money on the interest and fees, or potentially help you maximixe your tax benefits.

Not sure what kind of loan you need for your current financial circumstances? That's our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you the peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.

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Calculator

Use our mortgage calculators to estimate how much you can borrow.

We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.

The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input.
Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.

You should always discuss your individual circumstances with a representative of Clearwater Finance before placing your deposit or purchasing any property.

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Get in touch today

When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.

We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.

Please get in touch with us today.

The privacy of your personal information is important to us. By providing your personal information to Clearwater Finance, you consent to be contacted by a representative of Clearwater Finance from time to time for marketing purposes. We will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We may do so by mail or electronically. You can unsubscribe from by notifying us and we will no longer send this information to you. Click <here> to view our full Privacy Policy.

Contact

Address:
Rockingham
Phone:
0407 043 901
Email:
ryan@clearwaterfinance.com.au

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0407 043 901

Clearwater Finance Credit Representative 495945 is authorised under Australian Credit Licence Number: 389328 | ABN: 39667460666
Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.