About Pilbara Finance | Boutique WA Mortgage Broker
About Pilbara Finance

Built in the Red Dirt. Trusted Across Australia.

We're a boutique mortgage brokerage born in the Pilbara and now serving clients right across the country. Real people, straight answers, and a panel of 60+ lenders — plus the kind of relationships that take ten years to build and five minutes to notice.

Read Our Story (08) 9122 3929
60+ Lenders on panel Banks · Non-banks · Private Born in the Pilbara Servicing all of Australia Est. 2015 Boutique team, no call centres FIFO income specialists Self-employed specialists WA-owned & operated FBAA Member SFG Member Authorised Credit Rep: 478535 Mon–Fri 7am–8pm WA time Sat–Sun 7am–12pm WA time
The Story

A Decade of Backing Everyday Australians.

From the Pilbara to every state and territory — here's how we got here.

THE START

Founded in Karratha.

Clinton Burnes founded Pilbara Finance to serve the people Karratha was built around — miners, contractors, sole traders, regional families — and the kinds of files the major banks weren't equipped to assess properly. Rolling rosters didn't fit standard servicing calculators. Sole-trader income looked complicated on paper. Pilbara wages got benchmarked against city assumptions. The first clients were people who'd been told no, or quoted less than they needed, and wanted someone to work the file properly.

HITTING OUR STRIDE

Mining-sector income became our specialty.

Site allowances, LAFHA, two-and-one rosters, overtime that doesn't average cleanly across a tax return — these are the details that decide whether a mining-sector borrower gets the loan they should or the loan a generic calculator allows. We learned which lenders weight which parts of mining income properly. We built relationships with the BDMs who'd back well-prepared submissions. We got fast at packaging the harder files. It earned us a reputation in the camps, and that work still makes up a meaningful share of what we do today.

GOING NATIONAL

Pilbara roots, national reach.

Mining is a mobile industry. Our clients took roles on Queensland coal projects, Victorian construction sites, NT remote camps — and they kept calling. We kept helping. Today our files cross every state and territory: first-home buyers in Brisbane, refinancing clients in Adelaide, business owners in regional NSW, alongside the WA workload that's still our home base. The geography changed; the way we work didn't.

BEYOND HOME LOANS

Our clients grew. The brokerage did too.

The original clients had families, careers, and ambitions that didn't stop at a first mortgage. They came back for investment property, business funding, equipment finance, refinancing when the rates moved. Pilbara Finance grew into a full-service brokerage because the relationships asked for it — home, commercial and specialist lending handled under the same roof. Same brokers, same approach, broader scope.

TODAY

Boutique by design.

We've stayed deliberately small. Same owner, same core team, same direct line our first clients had. There's no investor pushing growth targets, no acquisition queue, no exit on the horizon. The clients we worked with five years ago still call us — for the next purchase, the kids' first home loan, the business expansion. Small enough to know your file. Long enough to still be here next time you call.

What We Stand For

Four Things We Won't Compromise On

Not slogans. The actual principles we run the business by — and what you'll notice working with us.

We'll tell you straight.

If the numbers don't stack up, you'll hear it early. If you're better off staying with your current lender, we'll say so. Direct answers before polished ones.

The right deal, not the easy one.

Complex income, unusual structures, files declined elsewhere — that's the work we built the business on. We assess the file properly and match it to the lender best placed to support it.

Your broker stays with the file.

The same person handles your first conversation, the work in between, and the call you make next year about the next deal. No handoffs, no re-explaining.

We trade on reputation.

Pilbara Finance started in a region where word of mouth travels faster than anything else. The clients we work with are the same people who'll refer the next ones — at the pub, on site, around the kitchen table. That accountability shapes every file we take on.

Our Process

How It Goes, Start to Finish.

Home loan or business loan, first-home buyer or seasoned investor — the path is the same, and we stay on it with you.

01

Listen.

We work to understand your situation properly before recommending anything. Home loan, business loan, complex income — the right questions come first.

02

Strategise.

We map the right structure for your situation, then shortlist the lenders on our panel of 60+ whose policy actually fits the file.

03

Package.

We assemble a complete, accurate submission with everything the lender needs upfront. Fewer back-and-forths, cleaner assessment, faster approval.

04

Manage.

We handle the lender, the valuer, the conditions and the queries — right through to settlement or funds drawn. You stay in the loop without staying on the phone.

05

Stay.

Settlement isn't where we stop. Annual rate reviews, refinancing when it makes sense, the next purchase, the business expansion — same broker, every time.

Clinton Burnes — Founder & Mortgage Broker, Pilbara Finance
Meet Clinton

Clinton Burnes — Founder & Mortgage Broker

Born and raised in the Pilbara, Clinton knows the region, its people, and its unique financial landscape better than anyone. After years in banking, he saw firsthand how the big lenders' one-size-fits-all approach left hardworking Australians — FIFO workers, small business owners, tradies — with fewer options, not more.

So he built Pilbara Finance around something simple: real people, straight answers. Every client speaks directly to Clinton — no call centres, no script readers, no hand-offs. He compares 60+ lenders to find the loan structure that actually fits, not the one the bank's algorithm pushes.

When he's not arranging finance, Clinton is on the ground across WA — Karratha to Perth, Port Hedland to Bunbury — because the best advice still happens face to face.

By the Numbers

Built on what matters.

A small WA team with national reach. Pilbara-born, Australia-wide.

30+Years

Combined experience

60+Lenders

Australia-wide access

100%Australian

Owned & operated

7 DaysAvailable

Brokers on call

Where We Work

WA First. Australia-Wide.

We started in the Pilbara and we're still strongest in WA. These are the towns we know best — but we help clients right across Australia every day.

Karratha Port Hedland Newman Tom Price Onslow Exmouth Carnarvon Broome Geraldton Kalgoorlie Perth Mandurah Bunbury Busselton
Compliance Documents

The fine print, made simple.

Our key compliance documents — straightforward versions of the important stuff.

Credit Guide

Our Credit Guide outlines who we are, how we're paid, what you can expect from us, and how we handle your personal information — all in plain English.

Download PDF

Privacy Policy

How we collect, use, store and protect your personal information. We take your privacy seriously — this policy explains everything in clear terms.

Download PDF

Complaints Policy

If something's not right, we want to know. Our Complaints Policy explains how to raise a concern and how we'll work with you to resolve it fairly.

Download PDF
Access to 60+ Lenders — We Compare So You Don't Have To
What People Say

Straight Talk, Straight Back.

Real reviews from real Google. No curated screenshots, no cherry-picked quotes.

Got Questions?

Frequently Asked Questions.

Straight answers to the things people ask us most.

No. We're paid by the lender when your loan settles. You pay the same rate whether you come to us or walk into a bank.
We're born in the Pilbara and WA-owned, but our lender panel covers every state and territory.
60+ lenders including major banks, regional banks, credit unions and specialist non-bank lenders.
Call us or enquire online. We'll call back within the hour, learn your situation, run the numbers across our panel, and present your best options.
Yes — self-employed, FIFO, casual, gig economy, past defaults or discharged bankruptcies — we have lenders who look at the full picture.

Get Started

Ready To Get It Sorted?

Takes about 30 seconds. We'll call you back within the hour.

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A few quick details and we'll give you a ring. Usually takes about 30 seconds.

Mon–Fri 7am–8pm · Sat–Sun 7am–12pm WA time

Let's start with your name

So we know who we're talking to.

What's your email?

We'll flick a confirmation through so you know we've got it.

We'll never share your email or spam you

And your mobile?

This is what we'll use to give you a ring.

Real people. No call centres.

Nice one, mate.

Here's what we've got. Hit send and we'll be in touch, or add a quick note first if you want.

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Doesn't need to be long — just anything you reckon we should know before we call.

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We're on it. One of our brokers will give you a ring shortly.

Want to lock in a time or have a chat right now?

(08) 9122 3929

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No call centre, no scripts, no runaround. Just a real Pilbara broker who knows the lender panel and will tell you straight.

(08) 9122 3929 WhatsApp us
Usually back to you within the hour · Mon–Fri 7am–8pm, Sat–Sun 7am–12pm WA time
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