Residential Finance
Home loans, refinancing and upgrades for owner-occupiers and property investors — structured around your borrowing capacity and plans.
Australian Finance & Lending
Finance solutions built around your next move.
Cloud Financial Group supports individuals, families, investors, developers and businesses with dependable lending guidance across property, commercial and personal finance — clear advice, considered structure, and steady follow-through.
Residential
Commercial
Development
Private Loans
Asset & Equipment
Car Loans
Personal Loans
Home Insurance
Car Insurance
Business Insurance
What we do
Lending and insurance for every stage and scale
From a first home to a multi-stage development, we help you find a structure that fits the goal in front of you — and the ones after it.
Commercial Finance
Funding for business premises, commercial property and growth — from owner-occupied spaces to income-producing assets.
Development Finance
Construction and development funding for projects of varying size, with structures that consider feasibility, stages and exit.
Private Loans
Flexible, shorter-term private lending for time-sensitive or non-standard scenarios where conventional finance may not fit.
Asset & Equipment Finance
Vehicles, machinery and business equipment financed to preserve cash flow and align repayments with how the asset earns.
Car & Personal Loans
Straightforward funding for vehicles and personal goals, with clear terms and repayments that suit your budget.
Home Insurance
Cover for your home, contents and investment properties, helping protect the assets that sit behind your borrowing.
Car Insurance
Comprehensive and third-party options for your vehicle, so what you drive is covered alongside your finance.
Business Insurance
Cover for the assets, liability and day-to-day risks that keep your business running, considered as part of the bigger picture.
Tools
Calculators
Nine quick tools to help you think things through. Each opens in its own window with live figures — indicative numbers to start a conversation, not a quote.
Calculator
$
$50k$3M
% p.a.
1%12%
years
1 yr30 yrs
Indicative only. Assumes a single, constant interest rate for the full term and excludes fees, charges, offset and rate changes, so actual repayments will differ. Not an offer of credit or a quote — general information only; lending is subject to approval, lender criteria, terms, conditions, fees and charges.
$
$50k$3M
% p.a.
1%12%
years
1 yr30 yrs
$
$0$3,000
Interest you could save
$0
- Time saved
- —
- Paid off in
- —
- Base repayment
- $0
- With extra
- $0
Indicative only. Assumes a constant rate and that the extra amount is paid every period for the life of the loan; excludes fees and rate changes. Actual savings will differ. General information only, not a quote.
$
$50k$3M
years
1 yr30 yrs
Loan A
% p.a.
1%12%
$
$
Loan B
% p.a.
1%12%
$
$
Lower total cost
$0—
- Loan A repayment
- $0
- Loan B repayment
- $0
- Loan A total cost
- $0
- Loan B total cost
- $0
Indicative only. Compares repayments and total cost (repayments + fees over the full term) at constant rates; real loans differ on features, rate changes and other costs. General information only, not a quote or recommendation.
$
$0$500k
$
$0$5,000
% p.a.
0%10%
years
1 yr40 yrs
Indicative only. Assumes a constant interest rate, deposits made at the end of each period and interest compounding each period; excludes tax, fees and inflation. Actual returns will differ. General information only.
$
$100k$3M
Standard transfer (stamp) duty for a general residential purchase, using each state and territory’s 2025–26 rate scales. Excludes first-home, owner-occupier, pensioner and off-the-plan concessions, foreign-purchaser surcharges and registration fees. Some states index thresholds annually. Confirm the exact amount and any concessions with the relevant state revenue office or your broker.
$
$5k$500k
% p.a.
1%18%
years
1 yr10 yrs
%
0%60%
Estimated repayment
$0/ month
- Balloon due at end
- $0
- Total interest
- $0
- Total cost
- $0
Indicative only. A balloon (residual) is a lump sum still owing at the end of the term — it lowers regular repayments, but you must pay, refinance or trade out the balloon when it falls due. Assumes a constant rate and excludes fees. Not a quote; general information only.
$
$50k$3M
% p.a.
1%12%
years
1 yr30 yrs
$
$0$500k
Indicative only. Assumes your repayment stays the same and the offset balance is held steady for the life of the loan, with interest charged on the loan balance less the offset. In reality your offset balance varies. Excludes fees and rate changes. General information only, not a quote.
$
$0$500k
Australian resident, full year, 2025–26 rates. Enter income after any deductions.
Estimated take-home
$0/ year
- Income tax
- $0
- Medicare levy (2%)
- $0
- LITO offset
- $0
- Total tax
- $0
- Average rate · take-home / mo
- 0%
Indicative only, for Australian residents for the full 2025–26 year. Includes the 2% Medicare levy (with the low-income shade-in) and the Low Income Tax Offset. Excludes HELP/HECS repayments, the Medicare Levy Surcharge, superannuation, and other offsets or levies. Not tax advice — confirm with the ATO or your accountant.
$
Expenses
$
$
$
$
$
$
$
$
A simple cash-flow snapshot from the figures you enter — it doesn’t store anything. Enter all amounts in the same frequency. General information only to help you plan.
Our approach
A clear path, three steady steps
No jargon, no pressure. A considered process that keeps you informed from the first conversation through to progress on your finance.
Understand
We start by listening — your goal, your timing and your numbers — so the brief is right before we look at any options.
Structure
We shape a finance structure suited to your situation and present the considerations plainly, so the path forward is clear.
Progress
We manage the moving parts and keep you updated, working toward settlement with practical, responsive communication.
Why Cloud Financial Group
Dependable guidance, whatever the scale
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Clients of all sizesFrom first-home buyers and families to investors, developers and established businesses.
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Practical communicationClear explanations and steady updates — you always know where things stand.
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Broad lending capabilitySeven specialisms under one roof, so more of your finance can be considered together.
People first, paperwork second
We take the time to understand the goal before we talk numbers, so the advice fits the person — not the other way around.
One relationship, many needs
Property, commercial and personal lending handled together, so your bigger picture stays joined up over time.
Responsive, not robotic
Real conversations and timely follow-through from enquiry through to progress on your finance.
Get in touch
Start an enquiry
Tell us a little about what you have in mind. We’ll come back to you to talk it through — no obligation.