Mortgage Broking That Goes Beyond Rates
Calm, Strategic Finance — Designed for Home Ownership and Long-Term Growth
Finding the right property is important — but how you structure your loan often has a far greater impact on your long-term financial outcome.
At C.L.A.P., we believe mortgage broking is not just about getting approval or chasing the lowest rate. It’s about designing a loan structure that supports your life today and your wealth goals tomorrow — whether that’s upgrading your home, growing an investment portfolio, or planning for retirement.
Why Most Loans Are Not Designed for Long-Term Wealth
Banks are excellent at approving loans —
but they are not designed to optimise your long-term financial strategy.
Most borrowers are offered:
A standard loan structure
Minimal strategic explanation
No consideration of future investments, cash flow, or flexibility
Over time, this can limit your borrowing capacity, reduce options, and quietly cost you hundreds of thousands of dollars in opportunity cost.
That’s where we come in.
Our Approach: Strategy First, Loan Second
Before recommending any lender or product, we focus on you:
Where you are today
Where you want to be in 5, 10, or 20 years
How home ownership and investment fit into that journey
Only once the strategy is clear do we design the loan.
This approach is especially valuable for:
Upgraders balancing lifestyle and future growth
Property investors building their first or second portfolio asset
Self-employed borrowers with complex income structures
SMSF investors planning long-term wealth inside super
First Home Buyers who want to grow smartly from day one
Our Mortgage & Lending Services
We provide tailored lending solutions across a wide range of scenarios:
Describe important details like price, value, length of service, and why it’s unique. Or use these sections to showcase different key values of your products or services.
Describe important details like price, value, length of service, and why it’s unique. Or use these sections to showcase different key values of your products or services.
Describe important details like price, value, length of service, and why it’s unique. Or use these sections to showcase different key values of your products or services.
Describe important details like price, value, length of service, and why it’s unique. Or use these sections to showcase different key values of your products or services.
Describe important details like price, value, length of service, and why it’s unique. Or use these sections to showcase different key values of your products or services.
Why Clients Choose Clap Mortgages
✔ Strategy-Led Advice
We design loans around your long-term goals, not just today’s transaction.
✔ Access to 40+ Lenders
Major banks, non-banks, and specialist lenders — matched to your situation, not the other way around.
✔ Calm, Clear Guidance
No pressure, no jargon — just clear explanations so you can make confident decisions.
✔ Experience That Matters
Over 10 years of mortgage experience, combined with hands-on property and business leadership.
✔ Independent & Client-Focused
We work for you — not for the bank.
How the Process Works
1️⃣ Free Loan Strategy Session
We analyse your current position, goals, and constraints.
2️⃣ Strategic Structuring
We design a loan framework aligned with both home ownership and future growth.
3️⃣ Lender Selection & Approval
We compare options across our lender panel and manage the application end-to-end.
4️⃣ Settlement & Ongoing Support
Your journey doesn’t stop at settlement — we remain your long-term finance partner.
Real Outcomes, Real Clients
We’ve helped clients:
Upgrade their homes while preserving future investment capacity
Refinance and consolidate debt to regain cash flow control
Use equity to enter the property market confidently
Secure lending solutions where traditional banks said “no”
Every situation is different — and that’s exactly how we treat it.
A Note
from
David Xiao
David Xiao
FounderWith over a decade of experience in mortgage broking, property investment, and business leadership, I founded Waann Capital to help Australians make smarter, calmer, and more strategic financial decisions.
I believe finance should support your life — not restrict it.
That’s why every recommendation we make is grounded in clarity, flexibility, and long-term thinking.
Schedule your appointment
Schedule a consultation with our experienced financial advisors to explore loan options tailored to your needs. We are committed to offering clear guidance and expert advice to help you achieve your financial goals.
About
our company
Our team prides itself on delivering expert financial solutions tailored to your needs, ensuring you have access to the best loan options available. With a commitment to integrity and transparency, we empower you to make informed decisions and achieve your financial goals.
Contact Us
Interested in working together? Fill out some info and we will be in touch shortly. We can’t wait to hear from you!