We have moved! Please note our new Clarity office is located on Level 3, 33 Allara St Canberra City ***** We have moved! Please note our new Clarity office is located on Level 3, 33 Allara St Canberra City

Home loans made clear

A passionate team of Canberrans helping other Canberrans secure their home loans. No frills, no commissions, no brainer.

01 Introduction

All you need to know

We'll help find your ideal loan at no cost to you

We'll help find your ideal loan at no cost to you

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!

Our brokers don’t work on commission

Our brokers don’t work on commission

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.

Canberra business, Canberra owned

Canberra business, Canberra owned

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.

03 Recognition

Backed by proven results

T T

T T

December 3, 2021

A huge thank Jessie CHEN from Clarity Home Loans for helping us to arrange our home loan in QLD! We could not be happier with the result. Throughout the entire process Jessie is incredibly helpful, supportive and professional, always happy to answer our many questions.

Read full review

Nate Riley

Nate Riley

November 26, 2021

Guy Curtis at Clarity helped us purchase our first house! From our first meeting with him Guy was attentive, friendly and responsive to all of our questions and specific needs.We leveraged the first home loan deposit scheme which Guy was all across and helped us navigate.

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Mark Rebetzke

Mark Rebetzke

November 24, 2021

I was recommended Arman at Clarity Home Loans by a colleague at work. To put it simply - Arman was our rock in this entire process. At every step of the way, He worked tirelessly to get the results for us as a customer, while being open and honest about the risks during this process.

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Alex Mammen

Alex Mammen

November 1, 2021

Have been with Clarity Home Loans over more than 13 years. Extremely reliable and confidential in dealings. Arman from Clarity Home Loans is simply an outstanding person to deal with. He explains the whole process very clearly.

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Dannielle A

Dannielle A

October 25, 2021

Jessie Chen at Clarity guided me through the process of refinancing my home with compassion and a steady hand. She made sure I had the right products for my needs, was timely, responsive, and made the experience as easy as possible.

Read full review

04 Services

How can we help you?

Understanding the home buying journey.

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.

Choosing a loan – decisions, decisions?

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.

 

Which bank or lender?

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:

  • Specific credit policy
  • Current processing times
  • Incentives offered
  • Convenience
  • Post Settlement Service
  • Interest Rates
  • Fees

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.

Ethical lending options.

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.

 

Buying, building, refinancing, consolidating debt - we’ve got you covered.

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.

05 Our Lenders

Find the right loan

06 Contact

Talk to us

Talk to us (Home Page)

Go one step further.
Fill out our client information form online. Or download the form as an interactive PDF, save a version with your name against it before completing, and then attach it to your enquiry.

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