Fresh clothes under ratty fleece (5-6)
I believe the answer is:
short-change
'under ratty fleece' is the definition.
Although both the answer and definition are verbs in their base form, I don't see how they can define each other.
'fresh clothes' is the wordplay.
I cannot really see how this works, but
'clothes' could be 'change' (change is a kind of clothes) and 'change' is found within the answer.
The remaining letters 'short' is a valid word which might be clued in a way I don't see.
This explanation may well be incorrect...
Can you help me to learn more?
(Other definitions for short-change that I've seen before include "Give poor value" , "Give insufficient recompense" , "Give back less than the correct amount" , "Cheat by returning insufficient money" .)