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Josh Shea
Mortgage Broker
Josh Shea
Mortgage Broker
Josh has built a wealth of experience working in the financial and property sectors since 2010, which includes boutique finance and multinational professional service firms. After originally starting with Clarity in 2012, he then moved to Perth and spent 11 vears working in Mortgage Broking and Mortgage Wholesale companies. Josh and his wife decided to move back to Canberra following the birth of their son and was welcomed back into the Clarity broking team. His broad experience has helped him develop strong analytical, management and communication skills. He holds a Bachelor of Commerce, Diploma of Finance and Mortgage Broking and a Diploma of Financial Planning. Josh is focused on educating his clients about the home loan finance process and providing solutions for their individual needs.
Google Rating
5.0
Based on 1058 reviews
Clarity Home Loans | Mortgage Broker Canberra
5.0
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.
Asante Addai
1725937547
Matthew was great! He sorted everything out quickly, paid attention to the details, and always had great advice. Highly recommend him for stress-free mortgage help.
Mohammed Al-Sudairi
1725876720
Excellent service - they helped me with my property purchase and can't recommend them enough. Professional and very helpful (especially Rob!)
Stuart Murphy
1725757676
Josh was extremely helpful and responsive for what was a complicated scenario for a small loan. He went above and beyond. Highly recommended.
Erna Glassford
1725265473
Where’s the 1000 stars option when I need it?Rob has been my go-to for years, and he never disappoints. He makes everything easy and stress-free and always finding the best options for me. I’m a loyal client for a reason. Thanks for everything, Rob!
B M
1725165606
I would like to extend my appreciation to Mathew Rastar for his outstanding support and expertise in assisting me with the purchase of my property. His guidance and knowledge have been invaluable in navigating the process.
Aura BOHORQUEZ
1724981567
We recently bought our first home, and Cesar Martinez was absolutely fantastic throughout the entire process. As first-time buyers, we had a lot of questions and uncertainties, but Cesar Martinez guided us every step of the way with professionalism, patience, and a deep understanding of the market. He took the time to explain all our options, ensuring we felt comfortable and confident with every decision. His expertise helped us navigate through complex paperwork, and he was always available to answer our questions, no matter how small.Thanks to him, we are now happily settled in our new home.We highly recommend Cesar Martinez from Clarity to anyone looking for a trustworthy and knowledgeable broker. His service exceeded our expectations, and we couldn’t be happier with the outcome.
Vijaya Panchagnula
1724826917
I highly recommend Clarity Home Loans' mortgage services.I feel very fortunate to have Arman's exceptional guidance with the purchase of my properties.His efforts are beyond praise. With commitment at every step of the process, his work is thorough and flawless.I have been his client for 10 years and have seen great dedication in his work each and every time.Michele, from his team, has been equally wonderful and had provided with timely and thorough support throughout the process.I'm very thankful for Arman's assistance with my recent property purchase, and looking forward to working with him again soon :)
Ironhalo
1724806007
Arman has been amazing with the settlement of a multi-property and discharge scenario. An expert on dealing with the banks, and has provided excellent communication throughout. Can't recommend him enough!
Emily M
1724746726
I have used Clarity services a few times now, and they are always professional, efficient and helpful. The staff are knowledgeable and very quick to respond to queries.
Steph Simpson
1724741143
Shanice from Clarity has been the absolute best to deal with on our mortgage refinance. She was so responsive and flexible, dealing with all our silly questions. She really stepped us through the whole process, making everything so simple and stress free - not to mention the great package She was able to secure for us! Highly recommend Shanice from Clarity!
Rebecca Simon
1724722952
I cannot recommend Shanice at Clarity Home Loans enough. From our initial consultation to the final closing, Shanice was warm and clearly had a huge amount of knowledge around the industry, which meant that I had complete confidence in any decision making throughout despite my first home buyer nerves! Shanice was always available to address any questions or concerns, and guided me through each step of the process with clarity, patience and expertise. The entire process was seamless- a testament to Shanice's genuine care and dedication to her clients, and financial finesse.
Mark Mylek
1724659225
Sometimes five stars isn't enough and I feel strongly enough to write a review! Cesar at Clarity Home Loans found and set up the best loan possible for us two years ago, at a fantastic rate, with all the features we wanted. Two years on when our fixed rate was about to expire, he organised a .75 percent lower than our default rate, and .25 percent lower than the normal rate, with everything we need now! We couldn't ask for more!Cesar is friendly, attentive to your needs, knowledgeable of the market, clearly states the pros and cons of what he presents, keeps you informed throughout the process, and gets the best results possible.A huge thanks to Cesar and everyone at Clarity Home Loans for an outstanding service! 11 out of 10!
Emma Groat
1724322972
We both sold and bought a house with the help of Shanice and I wouldn’t ever go anywhere else!! She explained everything so clearly (with diagrams!) and made the whole process stress free. Thank you again Shanice!
ShazzaMac Mac
1724285654
Highly recommended! Clarity was recommended by a friend and i am extremely happy with their service. Everything was able to be completed online and by phone which was important as i work in remote NT. Shannon explained the process in layman's language, and was very prompt in all communication. He was available and patient when i had questions. Shannon and Cindy are a great team and I highly recommend them. I would definitely use them again.
Tom Brazier
1724234468
Matt was incredibly helpful and supportive through the whole process. He helped me understand the sector to support interactions with other parties and kept my loan on track even when we found a couple of small hurdles. Thank you!
Sunil
1724221674
We have been dealing with Cesar Martinez from Clarity Home Loans since past 3 years regarding our loan requirements. Cesar is very professional, efficient, knowledgeable, great communicator & have been helping us with our complicated investment loan needs.Highly recommend Cesar and the team at Clarity Home Loans.Thank you Cesar.
Cameron Sell
1723705172
Extremely satisfied with service, communication and outcomes provided by clarity. Would (and will) happily recommend Cesar and the team at Clarity to anyone looking to purchase a home.
Cheers Mate
1723516764
Jared at Clarity made the entire process smooth and stress free. Handled all the hard stuff.10/10 highly recommend.
Daniel Jacinto
1723506994
Shanice was very knowledgeable and helped me secure a loan. It is obvious that she cares for her clients.
Annie O'Connor
1723504166
Jared Parsons helped me untangle some complicated investments and mortgages and set myself up for success going forward.He was very accommodating and innovative to get the outcome I wanted as soon as possible. He was dedicated and thorough in following up with the bank on my behalf and a real asset of his own in helping me get things sorted.
Lauren Reardon
1723463300
Can not reccomend Arman at Clarity Financial enough! Eight years ago, Arman helped my husband and I purchase our very first home, guiding us through the process with remarkable expertise and a friendly demeanor. His support didn’t stop there—when interest rates dropped, he was instrumental in helping us refinance, saving us a significant amount.Now, as we embarked on the exciting journey of purchasing a bigger home, Arman has once again been our go-to professional. His excellent communication skills and flexibility to handle everything virtually made the entire process smooth and stress-free. We truly appreciate his dedication, responsiveness, and ability to make complex financial matters easy to understand.If you’re looking for a mortgage broker who combines professionalism with a personal touch, I wholeheartedly recommend Arman at Clarity Financial. He’s been a game-changer for us through every step of our home-buying and refinancing journey!
Shannon
1723411745
Our second time using Clarity and they did not disappoint. Guy's advice has been excellent and he gets things moving quickly without us having to follow up. I would definitely recommend.
Brodie McCann
1722926162
My experience with Carity Home Loans was exceptional. The team were incredibly supportive and responsive, which made buying my first home easy. Very grateful to Jared in particular for guiding me through the whole process. and ensuring I got the loan most suited to my needs. Would highly recommend the team at Clarity.
Rusk An
1722384935
Been using Clarity for 14 years and they keep getting better each time. Their systems and processes are perfect, we went from application to approval to settlement in under 3 weeks! Michele & Arman are a great team as well, I always had access to one of them to answer questions & they kept me updated throughout the process.
Jacqui Coleman
1722380207
We used Arman and Michelle and they were amazing! Answered any questions we had, they were also able to have meetings outside of business hours which really helped with our busy schedule. Since they aren't getting a commission on our loan I felt like we were really getting the best loan possible. Arman talked us through every loan option and explained the pros and cons of each.
Rohan Smith
1722308966
Shanice and the team at Clarity delivered exactly what the name suggests. We couldn’t speak more highly of the market knowledge Shanice brought to the table, making the whole process clear and virtually stress free.
Richard Boettcher
1721970678
Guy was amazing!We were given a good range of loan options complete with pros/cons, a % discount on the loan that we selected and had our effort minimised in terms of documentation and chasing the bank.Highly recommended
Owen Hurst
1721720818
Couldn’t be happier with their services! My partner and I recently obtained a home loan through Clarity Home Loans, and as two self-employed professionals with variable income, they made everything from lender selection, application, loan approval, administration with the Seller’s Agent, and account establishment an absolute breeze. Massive thank-you to Shanice and Agnes specifically, they handled everything promptly and professionally!
Lauren Stinson
1721623971
I had a great experience with Shanice Briones at Clarity Home Loans. I was an interstate first home buyer and she patiently explained every stage of the process - starting with an overview, and then in more detail as my property search heated up. She was responsive to questions and very friendly. She was also very flexible around swapping between pre and unconditional approvals. Highly recommend.
Andrew Walker
1721603540
Arman and Michele continue to be absolutely amazing to deal with. With excellent service and advice. We continue to come back as we are always happy and knowing we are looked after.Highly, highly recommend the Clarity team.
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