Residential Property Loans
Secure Your Home with Rates and Terms That Truly Fit Your Life
Why Choose Clayton Capital for Your Residential Financing Needs
​100% Success Rate in Securing Lending
We’ve secured funding for every client we’ve represented.
Access to 50+ Lenders Beyond the Big Banks
We leverage a massive panel of traditional, specialist and niche lenders to find your perfect match.
2-Week Turnaround
​Our streamlined process targets formal approvals within 14 days, even for complex applications. like new arrivals to Australia or multi-property refinances.
Partners for the Long Haul
We don’t stop at settlements. We provide ongoing loan reviews and refinancing support to ensure your debt stays optimised.
One Dedicated Point of Contact
You get direct access to our team and real-time updates at every single milestone so you're never left wondering where your application stands.
Our Process
01
Initial Consultation
Understand your financial goals and current circumstances.
02
Research & Recommendations
Compare 50+ lenders to identify the best loan options for you.
03
Application Preparation
Guide you through document collection and prepare your submission.
04
Lender Liaison
Manage lender communication to expedite queries and approvals.
05
Loan Approval & Offer
Present your loan offer with clear explanations of all terms.
06
Settlement Coordination
Ensure a smooth settlement by coordinating all parties involved.
07
Continuous Support
Support you with future loan reviews, refinancing and financial changes.
5 Essential Tips to Secure the Best Home Loan
Look Beyond the Interest Rate
The lowest rate isn't always the best deal. Consider the total package: offset accounts that reduce daily interest, flexibility for extra repayments, fee structures and loan features that match your lifestyle. A slightly higher rate with the right features can save you more over time.
Get Pre-Approval Before You Shop
Pre-approval gives you a clear budget, strengthens your negotiating position with sellers and speeds up settlement. It shows you're a serious buyer and helps you bid with confidence, especially at auctions.
Prepare Your Finances Early
​Lenders assess your entire financial picture. Review your spending 3-6 months ahead, close unused credit accounts, check your credit report for errors and gather documentation (payslips, bank statements, tax returns). The more organised you are, the faster your approval.
Budget for the Full Cost
Your deposit is just the start. Factor in stamp duty (2-5% of property value), legal fees, building inspections, loan fees and moving costs. Understanding total ownership costs, including rates, insurance and maintenance, ensures you choose a property you can truly afford.
Use Your Broker's Expertise
From initial consultation to settlement and beyond, you can leave the heavy lifting entirely to us. We access lender panels and rates unavailable to the public, negotiate better terms on your behalf, handle all paperwork and provide ongoing support for reviews and refinancing.
