A passionate team of Canberrans helping other Canberrans secure their home loans. No frills, no commissions, no brainer.
It’s never been a more complicated task than it is today to research the infinite number of home loan options available.
Clarity’s Mortgage Brokers can assess your situation and find the ideal loan for you; and best of all, it doesn’t cost you anything!
Rather than working by commission, our brokers are paid a salary, so they’ll concentrate on the ideal loan for you, not the best lender for them.
No fuss, no commissions, no brainer.
We’ve been operating in the Canberra region for decades, so when it comes to understanding the local property and finance market, we can’t be matched.
Check out some of the google reviews from our happy clients below.
Cesar is an outstanding broker and we were lucky to have him on our team. We are extremely grateful to him. Contacting Clarity was the best and most important decision we have ever made, house-buying wise.
I can not recommend Clarity enough especially Cesar. We went to Clarity following visits to several banks and found the knowledge Cesar had not only in home loans but on first home buyer's stamp duty.
We highly recommend Guy Curtis from Clarity Home Loans. From our first meeting, he stood out as being friendly and knowledgeable and very patient and clear in explaining the process for buying our first home.
I wouldn't go with anyone else when looking to buy a house and secure a mortgage. Guy Curtis at Clarity Home Loans stepped me through every aspect of the process when buying my first home.
Clarity was awesome! Cesar was the one helping me out with my home loan and I can't recommend him highly enough. Cesar went above and beyond to ensure everything ran smoothly for me and gave me regular updates throughout the process, completely easing the stress on my part.
Whether you are buying your first home, upgrading, or you’re a seasoned property investor, the task of buying a property can be a daunting and confusing experience. In your first consultation with a Clarity Broker, we will thoroughly explain the various stages involved in buying a property, including who does what and when in clear and easy to understand language. We’ll be there to offer you advice and guidance at every step along the home loan journey, so you’ll know what to expect and ensure there are no surprises lurking around the corner. Our job put simply, is to make buying a property easy for you – our client.
Before selecting a lender or interest rate, it’s important to understand the subtle differences between the myriad of loan products and options available in the marketplace. During the appointment with one of our brokers, they will thoroughly explain the pros and cons, tips and traps, features and benefits across all the individual loan products that are available. The next step is to compare features in a ‘like for like’ way to make it easy for you to make a fully informed and educated decision on what loan product and structure suits you. Once you’ve decided on a loan product and structure, we can easily help find you a lender who offers suitable products and a competitive rate.
Our panel of lenders ranges from the traditional ‘bricks and mortar’ banks who may have given you your first money box, to credit unions, to state-of-the-art neo-lenders who are rapidly challenging the status quo of home loans.
There is a whole range of factors we consider before we narrow down a shortlist of lenders for you to choose from. Some of the criteria we look at when comparing lenders and their suitability to your needs include:
Plus a long list of other subtleties that can improve your experience both during the application process and throughout your long term relationship with that lender.
If protecting the planet and supporting corporations doing the right thing is high on your list of ‘must-haves’ when choosing a lender, you can rest assured we’ve thoroughly investigated and ranked the top ethical lenders on our panel using our Clarity Ethical Lending Rate (CELR) scorecard.
‘Ethical’ can mean many things to different people and we’ve found a wide range of attributes that lenders choose to include or exclude when promoting themselves as ‘ethical’. Our scorecard clearly lists the features we believe are important and worth considering if your preference is choosing a lender with a social conscience.
Our business philosophy is we focus on one thing, and we do that one thing better than anyone, and that one thing is residential finance. The collective experience, professionalism and qualifications of the team at Clarity Home Loans is beyond compare, not just in the Canberra region, but nationally.
The depth of expertise that the Clarity team shares means there isn’t any personal situation we can’t handle, or that we haven’t handled before.
Our raison d’etre is simply – to take the stress out of the home loan application and home buying process for you, our client. Come and give us a try, even if it’s just for a second opinion, and you’ll see why we’re different to the rest.