Cash rate update for December 2024
The Reserve Bank of Australia (RBA) has announced a hold on the cash rate of 4.35% at today’s...
Building wealth through property investment starts with the right financial foundation. Whether you’re buying your first investment property or growing your portfolio, we’ll help you structure your loan for maximum return and long-term success.
Investing in property is a powerful way to build wealth, but securing the right investment loan is key to maximising your returns. At Clarence Valley Finance, we specialise in helping investors navigate the complexities of loan structures, interest rates, and lender policies to find the best loan for their investment strategy.
Whether you’re purchasing your first investment property, expanding your portfolio, or investing through a Self-Managed Super Fund (SMSF), we provide expert guidance to ensure your financing works for you—now and in the long run.

We have a strong relationship with all our loan and business lenders and these continue to grow each year.









When securing an investment loan, it’s essential to understand the key financial factors that can impact your borrowing power, repayment strategy, and long-term returns. Here are the critical elements to consider when structuring your loan for maximum benefit:
Should you opt for interest-only to maximize cash flow, or principal & interest to reduce debt? We’ll help you decide.
Understanding how much you can borrow based on your deposit and existing equity.
Strategies to minimize or avoid LMI, saving you thousands.
Different lenders offer different valuations, impacting your available equity and borrowing capacity.
Learn how loan structuring affects tax deductions on investment properties.
There are a number of loan types available to you; variable rates, fixed rates, guarantor loans and more. Not sure which loan is right for you? We’ll help you explore your options and secure the best fit.
Interest rates can change over time, offering flexibility and features like extra repayments and redraw options.
Lock in your interest rate for a set period, ensuring stability in your repayments.
A combination of fixed and variable rates, giving you both flexibility and certainty.
et interest rate discounts and other benefits when bundling financial products with the same lender.
Also known as a "honeymoon" loan, offering a low initial rate before switching to the standard variable rate.
Pay only the interest for a set period, ideal for investors or buyers planning for future financial changes.
A family member can use their equity to help you buy sooner, reducing or eliminating the need for a deposit.
✅ Tailored Construction Loan Solutions
✅ Competitive Rates & Flexible Terms
✅ Expert Guidance on Loan Structuring
✅ Fast & Streamlined Approval Process
Our team understands the unique requirements of construction finance and ensures that your loan is structured to work seamlessly with your building timeline.

We’ve streamlined our process to be as online as possible, ensuring a quicker journey for you when seeking a mortgage broker. Our digital services are designed to make your life easier, allowing you to access expert advice from the comfort of your own home.
We have a chat to get an understanding of your financial situation and borrowing capacity.
We provide a side-by-side lender comparison and negotiate with lenders to find the most competitive terms.
We handle the paperwork and guide you through settlement.
With financing sorted, you can pick up your new purchase stress-free.
Read what our clients are saying about us and why we are a top-rated Clarence Valley Mortgage Broker.

Home Loan
I'm grateful to have found Clarence Valley Finance for my startup. They offered flexible loan options and guided me every step of the way. My business is thriving, and it's all thanks to them.

Home Loan
If your in need of a Broker, please give Jodie at Clarence Valley Finance a call! Jodie made the process easy! Her level of service is amazing and a refreshing change! I promise you wont be disappointed!

Home Loan
Our experience with Jodie from “Clarence Valley Finance” was flawless from begin to end. We have had to deal with many mortgage brokers over the past 3 decades after dealing with Jodie we would not go anywhere else. Perfect communication and transparency.

Investment Loan
Jodie was amazing as our mortgage broker. She went above and beyond and always responded to emails promptly. She was very helpful and made the entire process easy. I would recommend her to anyone looking for a mortgage broker!

Home Loan
Jodie has been an absolute pleasure to deal with throughout our whole loan application process. She responds to emails quickly and was happy to answer my many questions! She used her contacts at the banks to get us the best deal she could which we are very appreciative of. Jodie has made this whole process as stress free as possible. Highly recommend.

Home Loan
Jodie is a fab mortgage broker - knowledgable, helpful, quick to respond and thorough. Found us the perfect home loan and helped us through the process. Nothing was ever too much trouble. Thank you Jodie.

Home Loan
Jodie is wonderful. Very professional and efficient! She gave excellent advice on purchasing my first home and also helped me obtain a personal loan which made the whole process alot less stressful. Would thoroughly recommend Jodie and I look forward to working with her again in the future.

Home Loan
The Reserve Bank of Australia (RBA) has announced a hold on the cash rate of 4.35% at today’s...
Let’s get started on your journey of securing the right loan for you.
Copyright © Clarence Valley Finance. All rights reserved. Australian Credit Licence: 389087.
Jodie was great to work with, we couldn't fault her professionalism. She was prompt with responding to our enquiries and was able to communicate answers in a laymans terms to help us navigate the technicalities in finance. Highly recommend.