Stop guessing what the banks want. We break down every lender's criteria — deposit requirements, income types, boarder rental rules, and the exact documents needed — then connect you with a dedicated mortgage broker who works exclusively on your behalf.
The home loan approval process is one of the most stressful financial journeys an Australian can take. Not because buying property is inherently complicated — but because every bank has a different set of rules, and those rules are rarely published in plain English.
You can have a healthy income, a solid deposit, and a clean credit history — and still get rejected because one small aspect of your financial picture falls outside a lender's undisclosed policy. The frustration is real, and it costs people time, money, and opportunity.
At Clearview, we've built this service to remove that uncertainty entirely. Before you walk into a bank, you'll know exactly where you stand — with every lender.
We don't just connect you with a broker — we prepare you so that every application you make is the right one for your situation.
We assess your income, deposit, debts, credit profile, and spending patterns — the same way a bank credit officer would. You'll know your borrowing capacity, serviceability buffer, and debt-to-income ratio before any lender sees your application.
Our broker compares criteria across the major banks and second-tier lenders to find the lenders most likely to approve your specific situation — whether you're self-employed, have boarder income, are a first home buyer, or are refinancing an investment property.
We provide a personalised document checklist so your application goes in complete the first time. Incomplete applications are one of the leading causes of delays and declines. We make sure everything is in order before submission.
Rates and criteria move regularly. The information below reflects the current lending environment as of April 2026. Our broker maintains live intelligence across all major lenders.
Rates updated April 2026. Best discounted variable rates apply to new customers with LVR ≤80%. Always verify current rates with our broker as they move with RBA decisions.
NAB was first to pass on the March 2026 RBA hike effective 27 March. Discounted rates negotiable for new customers above $500K loans.
Westpac holds the second-largest home loan book in Australia. Their Flexi First Option offers one of the sharpest basic variable rates but reverts to a higher rate after 2 years.
ANZ's Simplicity Plus offers a competitive basic variable rate. Rate negotiation after two years is more common at ANZ and Westpac than at CBA.
Macquarie is often the sharpest on rate for owner-occupiers with strong financials and ≥20% deposit. Their digital platform and offset account features are best-in-class.
Online lenders are excellent for straightforward applications with a large deposit. For anything complex, a broker is essential to avoid wasting time on the wrong platform.
One of the most misunderstood areas of home loan applications is boarder income — where a homeowner rents out a spare room and uses that weekly income to offset mortgage repayments.
The rules vary significantly by lender. Commonwealth Bank was one of the first mainstream lenders to formalise boarder income recognition, allowing applicants to cite $150 per week in rental income — potentially boosting borrowing capacity by $40,000–$50,000. NAB has had a similar policy since 2021.
Westpac has no current policy to accept boarder income. ANZ's position remains unclear. This is precisely why working with a broker who knows each lender's current rules is so important — the wrong application to the wrong bank simply won't succeed.
To have boarder income recognised, you will generally need a formal rental agreement, statutory declaration, or evidence of regular payment receipts for a minimum of three months.
Not all income is created equal in a bank's eyes. Understanding what counts and what doesn't can make or break your borrowing capacity.
Before any application goes to a lender, these documents must be in order. Our broker will provide a personalised checklist based on your specific employment and purchase situation.
Clearview has partnered with an independent, accredited mortgage broker who works exclusively on behalf of our clients — never on behalf of the banks.
Unlike bank-employed lenders, our broker is paid to find the best outcome for you. They compare criteria across 30+ lenders, know which banks are currently the most competitive for your exact situation, and manage the entire application process from first assessment through to settlement.
There are no hidden referral fees or commissions passed to Clearview. Our broker relationship is built on delivering results for your clients, not building bank relationships.