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Fact sheets
Get a head-start by reading these helpful resources prepared by our talented team.
Upgrading Homes -Buy First or Sell First?
Fact sheet
One of our most common inquiries we receive is around how to transition from one home into another. This brochure covers many of the points we discuss in a face to face meeting with our clients.
Why calculating your living expenses before applying for a home loan is so important.
Fact sheet
How to prepare for a Home Loan application and give yourself the best chance of obtaining a smooth and hassle free approval.
Using a guarantor to help you buy a home – is it right for you?
Fact sheet
Having trouble saving a deposit for a home purchase, possibly the use of a guarantor can help you enter the property market sooner.
Being a guarantor – is it right for you?
Fact sheet
Buying a home is an exciting milestone, but the biggest hurdle for many first time buyers is the difficulty of saving a deposit. Are you in a position to help out your offspring and are you aware of the risks attached to a guarantee?
Need more answers?
To get your head around the process of securing a home loan, visit out FAQs section.
Google Rating
5.0
Based on 1088 reviews
Clarity Home Loans | Mortgage Broker Canberra
5.0
Danica Fitzgibbon
1732161997
Shanice is fantastic. My mortgage was organised quickly and easily, and I was kept in the loop every step along the way. Shanice answered all my questions quickly and clearly, and made sure I understood all my options.Absolutely 100% recommend Clarity
Sminu John
1732157454
We have worked with Shannon for the last 8 years, oh boy! He is the best in this business!!
Smitha Sminu
1732157134
Just have a taste of working with Shannon once and you will realize what you missed so far
Donny Pasaribu
1732151671
As first home buyers, we were overwhelmed by the process. Cesar at Clarity Home Loans made the experience smooth and stress-free. He patiently explained every step, answered all our questions, and provided clear, unbiased advice. His excellent communication skills and prompt responses were invaluable. We highly recommend Cesar and Clarity Home Loans to anyone, especially first home buyers.
Oscar Pfohl
1732143739
Working with Jared from Clarity Home Loans was an absolute pleasure! He was very professional, made the process very clear and everything went smoothly. I would definitely recommend Jared and Clarity Home Loans. 5 Stars!
Marié Cohen
1732058836
We engaged Clarity with our new house purchase - including navigating the world of bridging loans. Jared Parsons was absolutely incredible. He guided us, has excellent communication and nothing was too much or too hard. He held our hand and gave invaluable, ethical advice about what would suit our circumstances the best. I look forward to working with them going forward for the long term.
Stephen Davies
1732012231
For many of us - especially those of us of a certain age, and especially at the moment - the idea of owning your first home can seem like an unrealisable and unrealistic dream. Worse still, if you’re not from a family of canny property investors your only model for how to go about even looking to buy one comes from parents or family members who secured their house decades ago and have only antiquated advice to share. What do you do if you want to buy a home today but have no idea in the modern world how to go about getting a mortgage or even where to start?Fortunately, that’s where Clarity come in.Rob Garth took us under his wing and turned what would have been a bewildering away of options into a series of simple and intelligible choices that meant applying for a mortgage was easy and well within our understanding - and means. He was there to help every step of the way while being friendly, approachable and reassuringly expert at every point that we knew nothing about.Rob’s expertise and stewardship was not just invaluable to us - it was priceless. Which makes it even more remarkable that everything he and Clarity did for us was totally free.Friends who had bought properties had highly recommended we use a mortgage broker when it was our turn. For my part, I’d recommend Clarity and Rob Garth to absolutely anyone who asked. You couldn’t be in better hands.
Beini H
1731920743
I can't say enough good things about Shanice from Clarity! From start to finish, Shanice's team went above and beyond to ensure everything was perfect. The quick turnaround time, professionalism, attention to detail, and genuine care they put into their work are unmatched. Thank you Shanice. Highly recommend.
Nok Davis
1731653017
I had a pretty good variable rates with my old bank but thought I will go in and check if I can get better rates. Not only I received informed advice but Josh Shea also helped me getting better interest rates with offset. The whole process of moving banks is so easy and fast. I’m very happy with Clarity service and would highly recommend them for anyone purchasing or refinancing.
Seb Mee
1731646229
I just bought my first home with the assistance of Guy Curtis.I will be recommending all friends and family to Guy, as he made the whole process much easier.He was very articulate and his attention to detail is second to none and was happy to help with any questions I had.He was also very knowledgeable with all home loan options available and helped set up the loan best suited to my financial situation.Thank you so much for all your help Guy!
Talha Ahmad
1731469353
Very professional, articulate and friendly. Guy was excellent at understanding my financial position and demystifying the home loan process. Definitely recommend Clarity Home Loans and Guy.
Eden Ashley
1731308317
We couldn’t be happier with our experience working with Shanice as our mortgage broker! From the very first conversation, it was clear that she was not only professional and knowledgeable but also incredibly friendly and approachable, which made a world of difference for us as first-time homebuyers. Navigating the mortgage process can be overwhelming, but Shanice guided us every step of the way with patience and expertise, making everything feel like a breeze. She took the time to answer all of our questions, explain every detail, and truly listened to what we needed. Her calm demeanor and positive attitude were a breath of fresh air in what can otherwise be a stressful journey. We highly recommend her to anyone in need of a mortgage broker - she is truly exceptional! Thank you, Shanice, for making our dream of homeownership a reality!
Ken Russell
1731218255
We recently completed our second home loan with Shannon from Clarity. He made the whole process seamless, simple and stress-free. He’s very responsive and easy to deal with. We wouldn’t use anyone else. Strong recommendation.
Katie Raynolds
1731015075
Shanice from Clarity helped us with our home loan. She made the process easy with no stress. She was really knowledgeable about products that would suit us. Shanice was patient with us when we took quite a while deciding what we wanted to buy and we ended up with a house we were very happy with. A big thank you to Shanice!
Raymond Russell
1730848205
This is our second time using Shanice at Clarity Home Loans. Both experiences were exceptional, with a straight forward application process and a quick result due to Shanice's knowledge and quick turnaround. Will definitely use again and highly recommend to others. Thanks Shanice.Ray and Cherrie Russell
Louise McBride
1730764357
Jared from clarity was excellent. He helped me refinance last year and then this year helped me obtain a loan at a great rate. He talked through all the options and was great at making sure I understood everything. He was always professional and timely in getting back to any queries I had. I would highly recommend Jared to anyone looking for a mortgage!
Amanda Watson
1730690387
I couldn’t recommend Guy Curtis more. Guy from Clarity Homeloans helped me with the purchase of my apartment, and I couldn’t have asked for better assistance throughout the process. He was incredibly friendly, supportive, and responsive, walking me through the different types of finance available and listening carefully to my goals. He took extra time to answer my questions, making sure I felt informed and confident every step of the way. I was able to secure financing quickly, which helped me secure my dream property. I highly recommend Guy and Clarity for anyone looking for dedicated, thorough, and professional service.
Mariah Davis
1730587323
We were referred to Clarity by a friend and we can 100 percent say they didn't miss a beat. Our broker was Shannon O'Neil and he made the whole process so smooth and simple. He definitely did all the hard work for us, we are very appreciative for Shannon's help in procuring a mortgage and now owning our first home. If your thinking about purchasing a home or just have questions, I highly recommend speaking with somebody from Clarity.
Maddy
1730490486
We recently worked with Shanice Briones from Clarity to buy and sell properties and she has been absolutely amazing. She is professional and has provided the best advice. For what is an incredibly stressful process, Shanice has been the constant and calming professional, providing her advice and guiding us through this! Thank you!!
Linda D
1730462343
Shanice made the finance process the easiest part of buying our house. She was super helpful and communicative and she was transparent about the process. Cannot recommend her highly enough.
Hash Carey
1730431862
I have engaged Clarity’s services since 2016 and their responsiveness and acuity of advice has been priceless. Most recently I have been working with Shannon O’Neill and have a deeper appreciation for the professional integrity and acumen that he and Clarity represent in this sector. Thank you to Shannon and Clarity team for their recent assistance.
Tim Hazell
1730418925
Shannon helped my partner and I purchase our first home. He was very professional, explained things simply and took the stress out of the whole process. Couldn’t have asked for anything more!We highly recommend his services.
Andrew Oliver Ransom
1730418660
Working with Arman at Clarity Financial has been an outstanding experience. He recently assisted us in refinancing three loans within a complex trust and company structure. Thanks to his exceptional market knowledge and negotiation skills, we secured below-market interest rates that we hadn't thought possible.Arman's persistence and unwavering advocacy on our behalf truly set him apart. He navigated the complexities of our financial situation with ease and kept us informed every step of the way. Without his expertise, achieving this remarkable outcome would have been impossible.We wholeheartedly recommend Arman to anyone seeking a mortgage broker who delivers exceptional results. His professionalism and dedication make him an invaluable asset in any financial endeavour.
Ryan Kay
1730364663
Our experience with Shanice from Clarity Home loans was exceptional. Shanice was welcoming, knowledgeable and thoroughly helpful. Throughout the entire experience Shanice had open and clear communication and had immediate follow up. As first home buyers, she was able to put any concerns we had at ease with her professionalism and friendly demeanour. A 5 star rating doesn't do our experience justice. Amazing.....Thank you for all your efforts and making it such a positive experience for us.Rosie and Ryan
Jake Dyason
1730276400
We dealt with Jared, he ticks all the boxes - super friendly, knows his stuff, and communicated well from start to finish - made for a really smooth process. Can't recommend him enough!
Michael Clayton
1730275200
i had an outstanding experience with Arman @ Clarity.From start to finish, He and his team were professional, responsive and extremely knowledgeable.He made the entire process smooth and stress free.I could not imagine using anyone else.Thank You
Andy de Groot
1730115475
My partner and I had a fantastic experience working with Cesar Martinez. He truly went above and beyond to help us secure our new home!
Emma Macintyre
1729930680
Working with Cesar at Clarity Home Loans was a fantastic experience for us as first-home buyers. He was incredibly efficient and guided us every step of the way, ensuring we fully understood each part of the process. Even when hiccups came up, Cesar was there to reassure us and keep everything on track. Highly recommend him for anyone looking for a reliable, supportive mortgage broker!
Karen & David Hope
1729729871
Cesar from Clarity was amazing. Such a great help to re-finance with ease. From our initial contact, he was very knowledgeable and approachable. Cesar was excellent at following up and keeping us informed for the whole process. Would highly recommend Clarity for reliable and smart assistance with your mortgage arrangement.
Elisa Sko
1729729144
I have a complex Trust and Company setup for my business and when I need help to refinance I use Arman Yazarloo, Senior Mortgage Broker from Clarity Financial. He is my favourite professional by far, he is super organised, and he can navigate the most complex and challenging situations with ease. By far, Arman is the most connected broker in Canberra and you would be giving yourself a massive advantage by using his expertise. I have recommended lots of people to Arman over the years and he has also delivered them the same results, care and attention and excellent loans with great rates. Five stars for Arman and the team at Clarity, and keep up the good work!
Matt Walls
1729580727
Guy Curtis is exceptional at what he does! My partner and I went to him to see where we were in terms of purchasing our first home. We had been to 4 other brokers and had very ordinary experiences with them. Guy regularly checked in and reached out to us through out our lengthy search for the perfect property, answering all our questions in the easiest way to understand. Couldn’t recommend seeing him for all your financial pursuits!
Victoria R
1729217281
Cesar helped us by first giving advice on how to get into a good financial position for a home loan, then when we were ready helped us secure a good loan and helped us throughout the settlement process.Highly reccomend!
Hussein T
1728981509
⭐️⭐️⭐️⭐️⭐️After some stressful encounters with the big banks, whom I found to be extremely dismissive, I decided to reach out to Clarity Financial to see if they could assist.From start to finish, my experience with Cesar Martinez was seamless and stress free.Cesar took the time to explain every step of the mortgage process, making it easy to understand and navigate.He went above and beyond to ensure I got the best deal possible as well.Fantastic comms whether via phone, email, or text, I felt supported and informed throughout the entire process.If you’re looking for an honest, patient, and transparent mortgage broker who makes the whole experience effortless and enjoyable, look no further !!!Thank you, Cesar, for your professionalism and guidance throughout our entire process.It really was a breeze.
Monika Fridgant
1728782565
We recently worked with Shanice at Clarity and had an excellent experience. She was well informed, responsive and always ahead of the ball. In particular she explained everything really well. We have already recommended her to others and will continue to do so!
Hamid Shayan
1728624520
We recently worked with Guy Curtis at Clarity Home Loans to get a mortgage for a new home and refinance, and we’re very happy with the experience. From the start, Guy took the time to understand our financial situation and goals, giving us clear advice that made us feel confident.Guy’s attention to detail was great. He walked us through the whole mortgage process, explaining everything clearly and making sure we knew our options. He was always available to answer our questions, whether by phone or email, which made things much easier.We highly recommend Guy Curtis to anyone looking for a mortgage broker. He’s professional, knowledgeable, and truly committed to his clients
Jess Noack
1728351422
Like many others I had a great experience with Clarity and Mortgage Broker Matthew Rastar. As a first home buyer, it was great to be walked through the process at the first meeting including what would happen and who does what when. I didn't feel pushed towards one lender over another and this was what I was looking for when I engaged Clarity.Matthew was very responsive, including when I needed a quick answer on the weekend to be able to put in an offer on a property I ultimately purchased. He was very proactive with following up with the property valuation process, real estate agent and lender once the offer was accepted, and kept me in the loop on progress so I never needed to chase him for information. This was especially appreciated, as there are so many things to think about during a moving process already! I'd highly recommend engaging Matthew.
Jacob Cassilles
1728083789
I would highly recommend Clarity Home Loans, especially their broker, Shanice. I have engaged with Shanice numerous times over the years and I would have been completely lost if it wasn’t for her support, knowledge, professionalism and advice. I’ve referred several people to Shanice for these reasons and will continue to do so. Thank you again for everything Shanice, you are absolutely perfect in every way possible.
Andrew G
1727938084
My wife and I met with Matthew Raster from Clarity to help with our home loan. Matthew was amazing from beginning to end, he was very patient, very good at explaining all the options we had, and gave frank advice.Furthermore, we found ourselves in a unique situation when our situation changed, and we needed to change our loan with less than 2 weeks until settlement. Matt and the team at Clarity went above and beyond, ensuring we were still good to go and filled us with confidence that things were going to be ok.If you're looking for a broker, go to Matthew at Clarity. I cannot recommend him enough!!
Rose P
1727756002
I recently had the pleasure of working with Matthew Raster at Clarity Home Loans to secure a mortgage for a new home and refinancing, and I couldn’t be happier with the experience. From the very first meeting, Matthew took the time to understand my financial situation and goals, providing tailored advice that made me feel confident in my decisions.What impressed me most was Matthew’s thoroughness. He walked me through the entire mortgage process, explaining each step in detail and ensuring I understood all my options. Matthew was always available to answer my questions, whether via email or phone, which made the sometimes-daunting process much more manageable.Thanks to Matthew’s expertise and dedication, I was able to secure a competitive rate and favourable terms that truly fit my needs. I highly recommend Matthew to anyone in need of a mortgage broker. His professionalism, knowledge, and commitment to clients are truly top-notch.
GozzaV
1727653698
We highly recommend Shanice from clarity home loans. She was very helpful and informative. We appreciated how quick she was to respond and assist with any queries we had throughout our construction loan. Thank you Shanice!
Alright Guy
1727652773
We have worked with Guy at Clarity Home Loans twice now. One to construct and one to remortgage. Guy is well across the varying policies lenders have in place to deal with consolidation, novated leases, and construction loans, and was able to connect us with lenders that offered the greatest chance of success.Each time, despite the odd speed bump, Guy has been able to navigate the complex world of lending and problem-solve the sometimes vexing requests from the lenders.I'd definitely recommend Guy to anyone that wants a committed, knowledgeable, and honest broker to help them get into their new home.
Anastasia Clarke
1727162130
Shanice was an absolute gem and was always happy to answer all my questions and made it simple and easy for me to understand every step10/10 would recommend
Ros Coningham
1726957687
Clarity provide an excellent mortgage broker service. I have used them multiple times over the past 15 years. Cesar is exceptional, he is responsive and makes himself available. He always delivers on what he says he will. I highly recommend Clarity and ask for for Cesar!
Jenn
1726740081
My husband and I used Clarity homeloans in 2011 and had a great experience with Mark. This time around we were superbly looked after by Josh Shea. His communication was excellent. He went above and beyond for us, making sure everything went smoothly, even when things weren’t as straightforward as we’d originally hoped. If we could give him more stars we would. Very happy with Clarity and would not hesitate to recommend them to anyone.
Carmencita yap
1726730442
Josh at Clarity Home Loans was very professional in providing mortgage loan advice and patiently answered my questions esp.about my likelihood of getting a home loan as a low-income earner.He showed me different banks and the amounts I could possibly borrow. Thank you for your help Josh.
Josh Starkey
1726474349
Clarity loans was suggested to me by a friend when speaking of a first home purchase.I was soon acquainted with Mathew Rastar who was great at breaking down the jargon and held my hand through the process from start to finish and I will definitely be seeking out his services in the future.
Chris Wells
1726174761
In 2019 we found a house that we liked and made an offer. The sellers agreed to accept the offer as long as we had our finance approved by the end of the week. We talked to Guy at Clarity who went out of his way to make it happen, he pre-empted issues the bank would have, contacted us out of hours when he thought of something, kept us up to date throughout the whole process and we got the finance approved at 11:00am on Friday. We were happy and the sellers happy as they didn't have to have another open house that weekend.A win win for both the buyer and seller that was made possible by both the experience and hard work that Guy bought to the process. I would highly recommend him.5 years later in 2024 we have now bought another house and used Guy again. This time it was more complicated due to the seller creating issues during settlement. Guy was also fantastic making what seemed extremely difficult easy. I am very glad we used him.
Emma N
1725975785
2024 update: Cesar walked me through switching home loans and he was able to make what is a very administrative process so painless. So grateful for the help I continue to receive from him and the team.CheersCesar was beyond helpful! He spent a lot of time talking me through all the steps involved in securing my own place and never made me feel like any question was silly. He was a real resource and I have already gone on to recommend him and Clarity to my friends. Thanks!
Angie Beh
1725959168
Cesar is amazing! He calls regularly to keep you updated and makes the entire process so easy.
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