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License details

This website holds information for Australian Residents only.

Clarity Financial Group holds an Australian Credit License under the National Consumer Credit Protection Act 2009 as issued by ASIC. License number 387423. We are members of the Finance Brokers Association of Australia. Membership Number 4111. We are members of the Australian Financial Complaints Authority. Membership Number 45422.

View the Clarity Financial Group privacy policy here.

Our complaints contact person for our Internal Dispute Resolution Scheme is Mark Edlund.
Phone: (02) 6209 1990
Fax: (02) 6249 1613
Postal Address: GPO Box 175 Canberra City ACT 2601
Email Mark

Our deputy complaints contact person is Kristy Edlund
Phone: (02) 6209 1990
Fax: (02) 6249 1613
Postal Address: GPO Box 175 Canberra City ACT 2601
Email Kristy

Australian Finance Group
As Mortgage Brokers we are required to process our loans through an Intermediary Company. We work with Australian Finance Group Pty Ltd as they have the best support in place to maintain our industry training and compliance. AFG provide an electronic platform which allows us to submit your loan application online directly to the lenders. This enables us to cut days off the loan process.

Using Rob was a painless process - he did all the leg work, we just had to sign the documents!
Tracey, November 2017
Nitish was always professional, courteous and understanding of our needs, and his honest, friendly and personable approach was very much appreciated in what was a big life decision for us.
Michael, October 2017
Arman walked us through what was a complicated finance arrangement. The outcome was great as was the entire process - easy and trouble free.
Samuel, November 2017
The service provided by Nitish went above and beyond my expectations. He was patient and kind and has an excellent knowledge of the products on the market and ensures that the clients needs are met to a 'T'.
Kelly, October 2017
I have no hesitation in recommending Rob and Clarity as a mortgage broker with knowledge, understanding and integrity who will work with you to achieve your goals and ambitions.
Mark, October 2017
Shannon is excellent in his profession, he is a great communicator and a good listener. We would be more than happy to recommend Shannon to friends and family.
Gabi, October 2017
Nitish guided us through the whole process. It was so comforting to have him help us at each step of the way.
Jennifer, June 2017
It was a delight to work with Arman as he was very friendly and accommodating as well as professional. He made the process of putting my mortgage application through very easy.
Arshia, October 2017
Michael Searle is the best at what he does. His professionalism and knowledge of what he does is shown by how seamless the entire process is from application to settlement.
Paige, November 2017
Arman found the best loan for us and made the process of switching lenders quick and hassle-free. I cannot recommend him highly enough.
Natasha, October 2017
I entered the processes as a clueless first time buyer. Shannon worked at my pace to ensure I was confident with what was happening and what to expect next. I could not praise him highly enough.
Amie, October 2017
Michael has great knowledge of the finance industry and his advice is second to none. He showed me ways to save money on my mortgage by way of refinancing. Thank you Michael!
Ann, October 2017

Investing in property can have many financial benefits including ongoing income from rental payments as well as long term capital growth. Like any financial decision, it is important that you have sound, comprehensive advice to ensure you get the most out of your investment.

The experienced, fully accredited team at Clarity Home Loans can assist you in all aspects of your purchase including providing you with current information on negative and positive gearing and the tax implications of your chosen loan type. With a thorough understanding of your specific financial situation, your Mortgage Broker can work with you to choose the most appropriate investment loan structure for your needs.

Best of all, Clarity Home Loans’ mortgage broking service costs you nothing and is obligation free.

To find the ideal investment property, click here.

1. What is negative & positive gearing?

Negative gearing occurs when the expenses associated with owning a property are higher than the income it produces. If the rent you get for an investment property is less than the interest repayments, strata fees, depreciation, maintenance and other costs, your investment is negatively geared, or making a loss. This loss can be offset against your income, reducing your income tax bill.

Conversely positive gearing occurs when the income received is greater than the total amount of the expenses and therefore results in a profit, which provides positive cash flow to you but also increases your taxable income.

2. Can I use equity in my home as a deposit for an investment property?

Many lenders will accept equity in your home as additional collateral against which they are prepared to lend. Depending on your circumstances, this may allow you to borrow the full purchase price of an investment property, as well as costs, without having to contribute any cash. The risk involved is that if for some reason you can’t meet the mortgage repayments for the investment property, both the investment property and your home are at risk.

3. What are deposit bonds?

A deposit bond allows you to purchase a property using the bond as a substitute for a cash deposit. The bond acts as a guarantee that you will instead pay the full purchase price at settlement. Both short and long term guarantees are offered to suit any settlement terms.

Short term guarantees can be used for settlement periods of up to 6 months, whilst long term bonds can be used where settlement will not occur for between 6 to 48 months.