COVID-19 Update:
Hi from Clarity - as all business' gradually emerge from the various stages of lock down we are now fully operational and our staff are available to answer all inquiries for both new and existing clients. To ensure we observe all social distancing standards we have the tools to offer video consultations as well as appropriate in house meeting facilities.

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.

A Clarity mortgage broker will 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

Isabel Manzano

Isabel Manzano

January 13, 2020

Cesar from Clarity really took the worry and stress out of buying a home. He was approachable and used language that we understood. All of our questions were answered quickly and he was always happy to answer our emails and calls.

Read full review

Yomi Arbo

Yomi Arbo

January 31, 2020

My partner and I are first home buyers and were recommended to go and chat with Guy Curtis from Clarity. It was the best decision we have ever made!! Guy, his team and the brokers he recommended are all amazing and top notch.

Read full review

Rob Lanfear

Rob Lanfear

January 19, 2020

Amazing service and amazing people. I was initially hesitant to use a mortgage broker - we've bought homes before without using one. I couldn't be happier though. Guy from Clarity helped us through every step of the process.

Read full review

Lauren Heywood

Lauren Heywood

January 2, 2020

I have recently purchased an apartment with the assistance of my broker Guy Curtis from Clarity Home Loans. Guy has been amazingly helpful during this time.

Read full review

Edwin Peters

Edwin Peters

February 4, 2020

While it was possible to find cheap interest rates ourselves, the guys at Clarity made the entire process very convenient and easy for us.

Read full review

Ben Healey

Ben Healey

December 13, 2019

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 a clear and easy to understand way. We’ll be there to offer you advice and guidance at every step along the way, so you’ll know what to expect and there are no surprises lurking around the corner. Our job put simply, is to make buying a property easy for you.

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 of all 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 and attach it to your enquiry, or fill it in online. The interactive PDF requires Adobe Acrobat Reader.

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