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

Bayantes Dagvadorj

Bayantes Dagvadorj

July 21, 2022

Me and wife have just bought our first home and went with Guy Curtis from Clarity. He has done an outstanding job. In the beginning we had 1-hour face to face meeting, in which he explained the whole process of buying a home, what options do we have as it was our first time.

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Nicola

Nicola

April 29, 2022

We recently settled on a purchase with the help of Melinda Yeh from Clarity. Melinda was an absolute gem, explaining each step of the process to us (sometimes multiple times) and making sure we understood exactly what was required.

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Elisa Sko

Elisa Sko

April 11, 2022

Arman Yazarloo is my favourite professional in my life. He has literally saved the day for me many times over and I am so grateful for his guidance. Arman has the expertise and knowledge to help set up complex loan structures and guide you every step of the way with confidence and security.

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Emily and Tom Walter

Emily and Tom Walter

March 19, 2022

Rob Garth and the team at Clarity have been instrumental in helping us achieve our dream of a new home! It wasn't straight forward at the start but Rob explained the contributing factors in easy to understand language putting us in the box seat to make the changes we needed to to push forward.

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Ravi S

Ravi S

February 14, 2022

Rob Garth has assisted us with both our home and investment, and we have found him to be an absolute professional at all times - timely, prompt and proactive. The stand out for us has been Rob's kindness and understanding whenever he is asked a question, no matter how big or small.

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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