Clear Path Financial Group
Level 5, 271 William Street, Melbourne VIC 3000

Melbourne’s Best Mortgage & Finance Broker

From first homes to complex finance, Clear Path Financial Group is a trusted mortgage & finance broker in Australia, providing clear advice and well-structured lending solutions designed to support your next move and what comes after.

CPFG - Hero Image with Text
Access to 60+ Leading Lenders

Clear Path Financial Group: Melbourne's Best Mortgage & Finance Broker

Clear Path Financial Group was founded to bring clarity to an industry that often feels confusing, transactional, and rushed. Too many borrowers were being pushed into loans that suited lenders, not their lives, goals, or future plans. Clear Path was created to change that.

From day one, Clear Path has focused on understanding the full financial picture before recommending any solution. With a strategic, client-first approach, not one-size-fits-all lending, our finance brokers in Melbourne help clients buy, upgrade, invest, build, or grow with loan structures that make sense now and into the future, even when the finance landscape feels complex.

Our Services

Our Finance Solutions for Businesses, Professionals, and Investors

First Home Buyer

I want to find my dream home without the stress.
Step into the property market with confidence. Our home loan broker in Melbourne team guides you from deposit planning to settlement with clear advice and competitive loan options.

Investor Loans

I want to grow my property portfolio with a clear strategy.
Build your property portfolio with smart loan structures, flexible options, and expert insights from a leading finance broker Melbourne investors trust.

Construction Finance

I want my build funded properly from start to finish.
Building or renovating? We provide flexible construction finance with staged payments and expert support from a knowledgeable finance broker in Melbourne.

Next Home Buyer

I’m ready for my next move and want the process handled smoothly.
Planning your next move? As a trusted mortgage broker Melbourne Australia clients rely on, we simplify the loan process and manage approvals so you can focus on finding the right home.

Commercial Finance

I need finance that supports my business growth.
Secure funding for equipment, property, cash flow, or franchises with tailored solutions from a specialist commercial finance broker in Melbourne.

Medico Loans

I want a loan that recognises my profession and earning potential.
Exclusive home loan options for doctors and healthcare professionals, including potential LMI waivers and flexible terms.

Refinancing

I want my loan to work harder for me.
Looking for a better deal? We review your loan, negotiate with lenders, and help you lower rates or access equity with the support of an experienced finance broker in Melbourne.

SMSF Loans

I want to invest through my super with confidence and compliance.
Invest through your self-managed super with compliant, well-structured SMSF loan solutions guided by experienced commercial finance brokers Melbourne.

Professional Home Loans

I want lending solutions that match my career and income structure.
Tailored home loans for professionals with higher borrowing capacity, reduced LMI options, and competitive rates through an expert financial advisor mortgage broker.

Melbourne’s Best Mortgage & Finance Broker: From First Home To Loans for Investors

At Clear Path Financial Group, we support clients across Melbourne at every stage of their property and finance journey. From securing your first home to building a growing investment portfolio, we focus on structuring smart, tailored lending solutions that save time, reduce stress, and support long-term success.

With strong lender relationships and a trusted reputation, our experienced mortgage broker Melbourne team provides clear guidance and strategic advice, helping you make confident decisions and secure a loan that truly fits your goals.

WHy Choose us

Why Choose Clear Path Financial Group?

Everything we do is built around clarity, trust, and long-term outcomes. We don’t just arrange loans, we partner with you as a strategic finance broker Melbourne, Australia clients can rely on.

Clarity at Every Step

We explain your options in plain language, so you always know why a recommendation is made and how it supports your goals.

Support Beyond Settlement

We stay involved after your loan settles, offering reviews and guidance as your circumstances change.

Strategy-Led Lending

Our advice goes beyond securing approval. We structure loans with future plans in mind, upgrades, investments, or business growth.

Specialist Expertise Across Complex Lending

From SMSF and construction finance to business lending, our business finance broker Melbourne team handles complex scenarios with confidence.

Access to More Options

With a wide panel of lenders, our mortgage broker Melbourne team compares solutions many clients can’t access directly.

Your Dedicated Finance Partner

You deal with one experienced broker who manages the process end-to-end, saving you time, stress, and uncertainty.

Our Process

Let Us Guide You Through the Process

Our structured, transparent process is designed to give you clarity at every stage, from your first conversation through to settlement and beyond, guided by experienced business loan brokers Melbourne clients trust.

01
We Start With Understanding
Every recommendation begins with listening. We take the time to understand your goals, your timing, and how this loan fits into your bigger financial picture, not just your borrowing capacity.
02
We Build the Right Strategy
Once we understand your situation, we design a lending approach that supports what you’re trying to achieve now and next. This may involve comparing lenders, structuring loans differently, or planning ahead for future purchases.
03
We Handle the Complexity
From paperwork and lender conversations to conditions and timelines, we manage the entire process on your behalf. You deal with one dedicated broker while we coordinate everything behind the scenes.
04
We Keep You Informed
You’ll always know where things stand. We provide clear updates, explain decisions in plain language, and make sure you feel confident at every stage.
05
We See It Through to Settlement
As your loan moves toward approval and settlement, we stay across every detail to keep things moving smoothly and avoid last-minute surprises.
06
We Stay With You After
Your loan shouldn’t stay static while your life changes. We remain available after settlement, offering guidance and reviews to ensure your finance continues to support your goals.
CEO - Hemi Hossain

Message from the Principal Consultant

At Clear Path Financial Group, our mission has always been simple: to provide clear, honest, and strategic mortgage advice that helps our clients move forward with confidence.

As a leading mortgage broker in Melbourne, we understand that every financial journey is unique. Whether you’re buying your first home, expanding your property portfolio, or refinancing to achieve better outcomes, our role is to guide you through every decision with clarity and integrity.

Our reputation as one of Melbourne’s best mortgage brokers has been built on trust, transparency, and results. We take the time to understand your goals, assess the full market, and structure finance solutions that align with both your immediate needs and long-term vision.

At Clear Path Financial Group, we go beyond transactions. We deliver strategic Melbourne finance solutions designed to simplify complexity and unlock opportunities—so you can focus on building your future with certainty.

Picture of Hemi Hossain

Hemi Hossain

Principal Consultant

What Our Customers Say

Don’t just take our word for it. Here’s what our clients have to say about their Clear Path experience.

"Best mortgage broker in Melbourne!"
Clear Path made our first home purchase feel easy. They explained every step and helped us secure a great deal quickly.

Dr. Sarah L.

General Practitioner
5

"A finance broker in Melbourne who actually cares."
We refinanced and saved money straight away. The team was responsive, honest, and handled everything end-to-end.

Ayesha K.

First Home Buyer
5

"Trusted mortgage broker Melbourne investors can rely on."
They structured our investor loan properly and helped us plan our next purchase. Clear, strategic advice.

Daniel M.

Property Investor
5

"Commercial finance broker Melbourne, highly recommended."
They helped my business secure funding fast and guided me through the full application process with zero stress.

Michael T.

Business Owner
5

Case Study

How We Helped a Melbourne Family Save $15k in Annual Tax

The Martinez family came to us with a complex situation: a growing investment portfolio, high income, and mounting tax obligations. Through strategic loan structuring and refinancing…

$15,000 saved annually

in tax savings

First Home Buyer Checklist

Not sure where to start? Download our simple, practical checklist designed to help first home buyers prepare with clarity and confidence, before speaking to a lender.

What’s inside the checklist:

This checklist is designed to give you direction, reduce uncertainty, and help you take your first steps with confidence,  on your terms.

Blogs

How Do Construction Loans Work? A Complete Guide for Australian Builders and Homeowners

Building or renovating a home, commercial space, or investment property is an exciting step. Whether you’re building your dream home,...

What is a Commercial Loan? An Ultimate Guide for Australian Small Businesses

Running a small or medium-sized business in Australia often means balancing big opportunities with financial limitations. You may be ready...

Investment Loan vs Home Loan: What’s the Difference & Which Should You Choose?

Buying your first property is a major milestone. It’s exciting, stressful, and full of questions, especially when it comes to...

7 Reasons to Refinance Home Loan

If you’re a homeowner in Australia, refinancing your home loan can be one of the smartest financial moves you make....

Home Loan Application Checklist for First-Time Buyers in Australia

Buying your first home is exciting, but the mortgage process can feel overwhelming, especially when you’re figuring out what documents...

Does the Australian Government Help First-Time Home Buyers? Here’s What You Need to Know

Buying your first home is a big milestone. It’s exciting, but it can feel overwhelming with rising prices and upfront...

Frequently Asked Questions
  • Many first-time buyers regret not reviewing their budget and borrowing power carefully before falling in love with a home. 39 % of Australians surveyed say they regretted not checking for building faults or underestimating long-term costs.
  • Others wish they had known how many extra costs come with buying, inspections, maintenance, rates, insurance, and how that impacts repayments.
  • Many say a broker would’ve saved them time, confusion, and stress early on, especially to help them understand lenders’ requirements and realistic borrowing limits.

First-time buyers in Australia often start by investigating:

  • First Home Owners Grant (FHOG) — A one-off government grant designed to assist eligible first-home buyers purchasing or building a new home, or a substantially renovated property. Grant amounts, eligibility criteria, and property price limits vary by state or territory. 
  • First home buyer stamp-duty exemption/concession  — Many states and territories offer reduced or waived stamp duty for eligible first-home buyers. Eligibility requirements and property price limits vary by state or territory.
  • Australian Government Deposit Scheme  — allowing eligible buyers to enter the market with as little as 2% deposit for single parents and 5% deposit for first home buyers and no Lender’s Mortgage Insurance (LMI) through Participating Lenders. 

These schemes help first-home buyers with a deposit and upfront cost, a key starting point before a loan application.

 

As eligibility, grant amounts, and price caps vary across states and individual circumstances, buyers should always speak with their mortgage broker to confirm which schemes they qualify for and how they can best benefit from them.

  • Check your eligibility & finances – gather your income, savings, and expenses to see what you can borrow.
  • Get pre-approval – know your borrowing power before you start house hunting.
  • Find your home – search for a property that fits your budget.
  • Get formal approval – your lender reviews your full details and the property. Once everything checks out, you are ready to proceed.
  • Settlement – sign the paperwork, transfer funds, and the home is yours!

Different mortgages mainly vary by interest rate type, repayment structure, and features and the “best” option depends on your goals.

Interest rate type

  • Fixed rate: Your rate stays the same for a set period (e.g., 1–5 years), so repayments are more predictable.
  • Variable rate: Your rate can move up or down with the market, and often comes with more flexible features.
  • Split loan: Part fixed, part variable—so you can balance certainty and flexibility.

 

Repayment structure

  • Principal & Interest (P&I): You repay both the loan amount (principal) and interest. This reduces your balance over time and is the most common for owner-occupiers.
  • Interest-Only (IO): You pay only interest for a set period, keeping repayments lower short-term—but the loan balance doesn’t reduce during that time (and repayments can rise when it switches back to P&I).

 

Features and structure

Things like offset accounts, redraw, extra repayments, portability, and loan terms can make a big difference, and what suits you will depend on whether you’re buying a first home, upgrading, investing, refinancing, building, or using an SMSF.

Clear Path Financial Group can guide you on which mortgage type fits your situation best.

  • Income and employment type/history 
  • Property deposit, Existing debt and expenses, Property value and type
  • Credit history
  • Brokers compare many lenders, not just one, giving you a broader view and often better deals. Many experts recommend brokers over picking the first lender you find.
  • Brokers help simplify paperwork, eligibility checks, and documentation rather than a one-size loan, brokers help structure your loan to optimise your financial situation that aligns with your long-term goals.
  • Using a broker can save time, reduce stress, and improve your chances for faster approval and better loan structure as brokers pre-qualify your financials before starting an application to ensure a smooth process.

People refinance for several reasons:

  • To secure lower interest rates and reduce monthly repayments.
  • To access home equity for renovations, investment, debt consolidation, or new purchases.
  • To switch loan type or features such as switching between fixed and variable rates, moving to interest-only repayments, or adding an offset account to better align with their financial goals, cash flow needs, or lifestyle.
  • Lender’s Mortgage Insurance (LMI) if applicable
  • Stamp duty & government fees (varies by state/territory) when purchasing
  • Loan application & processing fees (some lenders charge fees, others waive)
  • Property valuation & inspection costs
  • Legal & conveyancing fees
  • Ongoing lender fees

Clear Path helps clients understand all costs up front, so there are no surprises.

  • Not understanding their true budget – stretching finances too thin, underestimating ongoing costs or maintenance. 
  • Skipping due diligence – e.g. failing to check for property defects, ignoring inspections, rushing into auctions or competitive bids. Many regret not spotting home faults or overpaying. 
  • Not getting pre-approval first – this can lead to disappointment, overbidding, or not being taken seriously by sellers. 

Ignoring the importance of a broker – going direct to a lender without comparing options often leads to mismatched loan products and missed opportunities for better options.

A mortgage broker acts as a middleman between you and lenders, helping you find the best mortgage options tailored to your needs. We simplify the process by handling the paperwork, negotiations, and approvals.

Start by contacting us! We’ll assess your financial situation, guide you through the required documents, and submit your application to the best lenders suited for your needs.

Typical documents include proof of income, identification, credit reports, and details of your assets and liabilities. Don’t worry—we’ll help you gather everything needed to get your finance mortgage sorted.

Reducing existing debt, preparing accurate documents, and demonstrating a steady income are steps that can improve your chances. Our brokers will help you through every stage to make the approval process smoother.

Refinancing can help you lower your interest rate, reduce monthly payments, consolidate debt, or unlock equity for other investments. Let us review your current loan to see if refinancing is the right choice for you.

We’re not just brokers; we’re your partners in achieving financial dreams. With personalised solutions, transparent processes, and access to 60 lenders, we ensure you’re getting the best deal with access to leading lenders and personalised support.