Why we’re different

Let us do the heavy lifting for you, Free of charge.

With a team of highly experienced Mortgage Brokers supported by an efficient administration support network, Clarity is committed to maintaining its reputation as a respected, ethical financial services provider. Watch the video below to hear what our brokers have to say:

Nobody compares

In every interaction with Clarity, you can relax knowing that you are dealing with a reputable accredited organisation.

		Typical brokers	Bank lenders
Customer Focus
All brokers paid a salary - no one is "commission only"
Broker's remuneration impacted by customer satisfaction & feedback
Compliance driven business, with any bonus amounts dependent on the Broker's compliance score.
KPI's in place to ensure a diverse range of lenders are being investigated & recommended
Options and Expertise
Can choose from over 2,500 home loan products
Recommendations based on what's best for the client, not limited by 1 lender's options
More than 80 years combined industry experience
Access to an ethical lending panel of loan providers
Service
Motivated & positioned to negotiate great interest rates across a range of lenders including the "Big 4"
Experts in the home buying journey - not just the loan transaction
Provide frequent contact and updates to solicitors/agents/lenders to ensure a smooth transaction
Have helped more than 10,000 Canberran's achieve home ownership

03 Recognition

Backed by proven results

With over 1,000 5-star Google reviews

F H

February 2, 2025

We had an excellent experience with Cesar! As first-time home buyers, we truly appreciated his great communication, responsiveness, and ability to put us at ease throughout the entire process. His professionalism and support made everything so much smoother. We highly recommend Cesar and Clarity.

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Mel Healy-Hatch

January 28, 2025

Shannon @ Clarity has helped change my children and my future, for the better. It was a very supportive, Empathetic knowledgeable service provided and continued to be throughout the service.

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Raven Hernandez

January 14, 2025

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Miranda Lello

January 9, 2025

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Donna Garcia

December 15, 2024

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Google Rating

5.0

Based on 1137 reviews

Clarity Home Loans | Mortgage Broker Canberra

5.0

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Tessa Piper

1740019915

We recently returned to Rob at Clarity for our second loan application and were incredibly happy with our experience - a 5 star review is a no brainer. Rob went above and beyond - his knowledge and communication were second to none. I will be happily recommending Rob and Clarity Home Loans to anyone in the market for a reliable and trustworthy mortgage broker.

Catherine Blackburn

1739831616

Jared and Jorja were excellent to deal with. I found them to be reliable, great to work with, fully explained all the options and the implications and Im really happy with the outcome. I readily recommend Clarity to my friends.

Mathew Black

1739343676

Matthew Rastar from Clarity helped and guided me on my home buying journey and was with me every step of the way to buying my first home. Really love the work the team does. I would recommend their services to anyone

Lucas “Lucas & April” Greaves

1738796209

Incredible Broker –We are forever grateful to Mark for saving us from a dire situation. As first-time homebuyers, we were on the brink of losing our home and facing bankruptcy. Mark saw our genuine desire to succeed and went above and beyond to help us, even outside of working hours. He not only guided us through a tough financial crisis but also helped us secure a better future when others were taking advantage of us.Mark’s dedication, compassion, and professionalism changed our lives, and we can't thank him enough. If you're looking for a broker who truly cares, Mark is the one to trust.

Lauren Richardson

1738738215

I had a fantastic experience with Shanice Briones of Clarity Home Loans. Shanice is extremely knowledgeable, competent, responsive and articulate. She explained the complexities of the whole home buying process, not limited to mortgage matters, in a way that was helpful and understandable. As a result, I was able to purchase my dream home, which is also my first home. I recommend Clarity Home Loans with the greatest of enthusiasm

Sakar Shrestha

1738570910

Arman has been organising my family's home loans for many years, so it was natural I would organise my loan with his help. I can confidently say Arman did an amazing job helping me set up my loan. His professionalism, knowledge and ability to clearly explain my possible options, as well as any underlying newbie questions I had, helped me understand my situation and what was best for me. Arman and Michele always kept me updated with where things were at during the loan and settlement process and had a fast response time, which was greatly appreciated. Going into this home loan, I was prepared for it to be a messy process, however, Arman made the whole process very simple and straightforward. 10/10 would work with Arman again in the future.

F H

1738489156

Jared Mitchell

1738144938

Shanice from Clarity was dedicated, professional and went above and beyond to get a difficult job done! I couldn't recommend her more.

KENNETH GANYA

1738144405

Mel Healy-Hatch

1738056703

Shannon @ Clarity has helped change my children and my future, for the better. It was a very supportive, Empathetic knowledgeable service provided and continued to be throughout the service. Clarity and Shannon was recommended to me and I would pay it forward to recommended anyone to give him or anyone at Clarity a call.After already speaking with two other brokers elsewhere they didn't compare.I was brought in, shown everyrhing in front of me and explained and guided through the process to get the outcome achieved.Thank you again so much.

Kelly Perkins

1738028868

After reading the glowing reviews of Clarity Home Loans and being impressed by their organisational structure and services, I took the plunge – and am so glad I did!Shanice was simply incredible: knowledgeable, responsive and patient (as a first-time home owner, I had a lot of questions 😃). Each step was clearly laid out and made simple – making the process much less stressful than I envisaged.If I could give more than 5 stars, I would.

Treezie Faerie

1738027470

The short version: Excellent, professional service. Would use again.The long version:My intention was to go direct to the bank. I already had one home loan with them and I did the sums, it seemed like a safe loan. I called my bank's customer service, they reviewed my sums and also said I should easily be able to borrow the amount I wanted. Put through my application and got advised by the lending agent I couldn't service the loan amount requested. I asked why and how much I could borrow, but was told they couldn't tell me as it counted as financial advice. It was a mystery.I called Arman at Clarity Financial based on a goggle search and explained the situation. My intention was just to understand why my financials didn't check out so I could plan for the future. But it seems it was the bank that had made the mistake.Two months later I've settled on a property with a loan organised through Clarity Financial from my bank who had rejected my application (they had the best rates). It's even a loan slightly higher than the one I submitted through the bank, so I can keep more of my savings in an offset for a rainy day. The whole process was super easy.

Eloise C

1738021391

Cesar was amazing and really recommend. Was integral to the whole process and made very useful suggestions to us.

Christen Whisson

1737887266

Thanks very much to Josh Shea, who was excellent to work with while buying my first home. He kept in regular contact, and I really appreciated how he answered my questions and stepped through the buying timeline, as well as guiding through the choice of mortgage. There were some tight timeframes for approvals in the lead up to Christmas but Josh and team got it all over the line. I would recommend Clarity without hesitation.

Phoebe Mcdermott

1737696427

Arman has been an absolute pleasure to work with, time and time again! Whether buying, selling, or refinancing, he always goes above and beyond to help achieve your goals. His ability to tailor solutions to your unique circumstances is unmatched, and his guidance is invaluable when navigating the complexities of property transactions. Thanks to Arman’s expertise and dedication, we’ve been able to secure both investments and our dream home. We truly can’t recommend him highly enough!

Chris Nightingale

1737682675

Shanice at Clarity provided us with great support in setting up a new home loan. Her knowledge and expertise in this space was excellent and she was always responsive to our questions.

Patrick & Katelyn

1737624319

We recently purchased our first home with the assistance of Guy Curtis and cannot recommend him enough. As clueless first-home buyers he clearly explained the process, what to expect, and what the role of each person involved would be. Very knowledgeable and excellent at explaining things, we always felt like we learned a lot from each conversation, yet no question was too simple to ask. Always contactable and responsive and worked hard to make sure everything was ready well before settlement, a pleasure to work with in this transaction. Will be recommending Guy and Clarity to anyone we know looking for a mortgage broker, and will certainly use again in the future if we need.

Grant Coleman

1737500151

Fast, efficient and reliable. Took all the pressure off us to make the process pain- free. Couldn't be happier with the service.

Nathan Buckley

1737001636

My wife and I had a great experience. Cesar was knowledgeable and found the absolute best product for our situation. Cesar was very helpful and checked in regularly keeping us up to date with the progress. We'll done! Highghly recommended

Raven Hernandez

1736822527

I had the pleasure of working with Cesar Martinez throughout the purchase of my first home. As this was my first time, he was extremely helpful and patient throughout the entire process, providing quality service in every step. He thoroughly explained all available options and ensured I went with the most appropriate that suited my circumstances. Cesar's communication was extremely prompt and was always available for a phone call or to answer any questions.Highly recommend if you're seeking a well-experienced and professional broker.

Emily Jehne

1736821619

Thanks to Cesar - Prompt and responsive, sourced a better rate than I was able to get from other sources. Also referred a friend who managed to get 3% off her existing home loan!

Adam Turner

1736679723

Jared took me through everything I needed to know as a first home buyer. I'd highly recommend Clarity to anyone looking to make a purchase, regardless how much you know or how many questions you have, you'll be sorted. Great experience overall, amazing work!

J N

1736553673

Shanice and the team are great! I recently refinanced and obtained a pre-approval with them. The team is highly efficient, friendly, organised and were able to obtain good rates for me.

Leslie Henshaw

1736477368

As always Shannon has done a wonderful job, I’ve used Clarity now for multiple home loans and refinances and it’s always a great job 👏

Miranda Lello

1736417139

I was very happy with my experience with Clarity and Cesar Martinez as a first home buyer. Cesar did an excellent job of walking me through the process and options, and kept me up to date on relevant changes that affected my borrowing capacity. He was super responsive when I needed advice and support with auctions. Always clear and calm and stepping me through the process. I would highly recommend Clarity.

Simon Foat

1736055269

If you're busy and therefore don't have time to navigate the loan approval process, then I would strongly recommend Shanice Briones (from Clarity).Shanice provided a one stop shop for me, handling everything from loan advice, loan pre-approval, loan approval and making sure everything came together at settlement.All throughout the process, Shanice was extremely responsive to my questions and very effective in arranging the details of my chosen loan product with the bank so I didn't have to do much.

Sally M

1735790756

Jared helped us with the process of selling a property and purchasing a new one. He was incredibly helpful, knowledgeable and kind in all of our dealings with him

Chante Fisk

1734845644

We’ve just bought our first home, and we couldn’t have done it without Matt Rastar. When we first met with Matt, we were completely new to the real estate market and unsure of how to navigate the process. He took the time to explain everything in detail—from terminology and various schemes to timelines and the entire home-buying journey.Matt talked us through all our options, assisted with making offers, and handled the hard work behind the scenes. Throughout the entire process, he was always available to answer our questions and kept things moving, especially during the hectic pre Christmas period. Matt genuinely had our best interests at heart, and we’re incredibly grateful for all his help.Thanks so much, Matt!

Salman Stevenson

1734672736

Shanice was an amazing operator who allowed us to purchase our house. Top notch service and will be using them again in the future.

Victor Boumard

1734640250

My Partner and I have been dealing with Shannon. Him and his team helped securing our loan in a few days. Thanks again !

Melissa Grinlinton

1734486161

Matt made the process of buying my first home completely stress free. I never felt pressured and it really felt like Matt had be best interests at heart. I had initially been with another broker but felt rushed and pushed to take out the biggest loan possible. Working with Matt was like a breath of fresh air. Highly recommend Clarity Home Loans.

Donna Garcia

1734244699

Guy Curtis from Clarity Home Loan was amazing! Great help and provided me quality service every step of the way. Very knowledgeable, he guided me with all the options, explaining the pros and cons and patient with all my questions. I didn’t have to do much, which was great, and he even dealt with my solicitor due to my busy schedule. He was very proactive, thorough and professional! Highly recommended! I could not thank him enough for acquiring my investment property.😊

James Ottaway

1733991175

Clarity were very helpful in stepping us through the mortgage application process and answering all our questions

Samira Ahmad

1733984428

I had the pleasure of working with Guy, who was so incredibly helpful in getting me a home loan for my first home. He was excellent and extremely patient with all my queries and questions, even if I had asked the same question multiple times! He was always super responsive, as a first home buyer, where the whole process and steps can be overwhelming and daunting, Guy was able to step through the whole process to me in easy terms and made the whole process super seamless.It was a pleasure to work with Guy, I would highly recommend anyone looking for a home loan whether its a first home loan or their fifth!

fin mertle

1733899934

Couldn't be happier, Shannon was super responsive and helpful. Would recommend.

James Read

1733897218

My wife and I can't recommend Clarity enough. We were guided through the process by Matthew, who got us a great deal tailored to our specific situation. Matthew was very responsive and looked after us every step of the way.

Josh Mitchell

1733865750

C.S L

1733862790

Fantastic experience! They kept us informed every step of the way, ensuring we always felt up-to-date and confident in the process. Their clear communication and support made the entire process seamless and stress-free. We highly recommend their services to anyone seeking a reliable and professional broker!

Chelsea Cook

1733794940

We have been using Clarity for a decade and refinanced a few times for our principal and investment properties, and greatly appreciate their approach, guidance and attention to detail. They ate professional and friendly and we can’t imagine using anyone else.

Heike Alwast

1733735346

Just such excellent service from Jared at Clarity, from start to finish, explaining and supporting us in the entire process. I would not go anywhere else in Canberra, this is a very ethical and professional company.

Maria Pachi

1733463162

such an easy experience, Cesar helped me every step of the way and was amazing to work with!!

Regina Campbell

1733434652

Shanice was amazing - exceptional advice and extremely knowledgeable, provided me with a great understanding and experience. Thank you!

D T

1733304797

Shannon was informative and helpful at every stage of the process. Highly recommend.

Lucy Whyte

1733192650

Guy from Clarity was fantastic throughout the purchase of our first time. He was thorough in his explanations and always available to answer questions or receive phone calls. The process of application through to securing our home loan was seamless and Guy was brilliant at keeping us informed and providing real time updates.We really appreciate all the assistance from Guy and the team at Clarity and would recommend him to anyone looking to make a property purchase!

Adam Smith

1733182985

Cesar was very helpful and knowledgeable. He made rhe process of buying our home stress free. Will recommend him to friends.

Morgan Benny

1733167622

Shanice was exceptional. She communicated brilliantly and made the whole process of mortgage application and house purchase as smooth as could be asked.

Shannen Juleff

1733131147

Guy was great. Accompanying to our needs and very understanding. Couldn't recommend more

Eliza Paterson

1733007024

My partner and I recently refinanced and purchased a new home with the assistance of Guy. I can't say enough about how brilliant Guy was to deal with. Extremely knowledgeable, competent, communicative, and very available to answer queries or questions along the process.I have already told a number of people how good our experience with Guy was. Would wholeheartedly recommend!

Tiana J

1732868860

I had an excellent experience working with Cesar Martinez. He worked efficiently to get us approval within a very tight timeframe. His communication was outstanding —always clear, prompt, and professional. Throughout the entire process, he was not only polite and respectful but also honest and transparent, which made a stressful situation much easier to navigate. I highly recommend Cesar for anyone looking for a reliable and dedicated broker. Truly outstanding service

Nick Scott

1732838670

Guy Curtis was friendly, efficient and communciative. We felt well supported in purchasing our first home and would happily recommend him to other first home buyers.

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Why we’re different

Nobody compares

03 Recognition

Backed by proven results

With over 1,000 5-star Google reviews

F H

Mel Healy-Hatch

Raven Hernandez

Miranda Lello

Donna Garcia

Talk to us

Get in touch

Go one step further.

Nobody compares

03 Recognition

Backed by proven results

With over 1,000 5-star Google reviews

F H

Mel Healy-Hatch

Raven Hernandez

Miranda Lello

Donna Garcia

Talk to us