Home loans made clear
Looking for a mortgage broker in Canberra who does things differently? Our brokers aren’t paid commissions. Instead, you’ll get honest advice, personalised support, and clear home loan guidance built around your goals.
Clarity Home Loans may receive varying commissions from lenders, but these do not determine your broker's pay or recommendation. All Clarity brokers are paid a strong PAYG salary, with the ability to earn bonuses linked to customer satisfaction and compliance metrics.
None of our brokers work on commission
At Clarity, our brokers are paid a salary, with performance bonuses linked to customer service and compliance, not lender choice. That means your broker’s focus is on understanding your goals, explaining your options, and helping you choose a loan that suits your circumstances.
Clarity Home Loans may receive commissions from lenders, but these do not determine your broker’s pay or recommendation. It’s one of the biggest ways we do mortgage broking differently.
The faces behind Clarity Home Loans
With over 20 years of experience and one of Canberra’s largest broker teams, we’ve helped thousands of clients through every stage of the property journey. From first home buyers and refinancers to investors, builders, business owners and complex lending scenarios, our team has seen a lot and solved a lot.
That depth of knowledge means you’re not relying on one person working in isolation. You have a full team behind you, bringing together experience, strategy and practical support to help make your home loan journey clearer and more confident.
Tailored home loan solutions for you
At Clarity Home Loans, we pride ourselves on providing the most comprehensive and tailored solutions in residential finance. Our team of experts is committed to delivering personalised strategies that simplify the home loan process and empower you to make confident decisions.
Learn moreIt all starts here
Know what to expect at every step
It all starts with a quick phone call
We’ll ask a few questions about what you’re looking to do, whether that’s buying, refinancing, investing, building, or simply working out your options. We’ll also talk through your current financial position at a high level, so we can understand where you’re at and how we may be able to help.
From there, your broker will guide you through the next steps and book you in for a more detailed appointment in our office, where we’ll explain the process, answer your questions, and walk you through your individual loan options.
Whether you’ve been told no by your bank, already have an approval, or simply want a second opinion, we’re happy to take a look and talk you through your options. No pressure. No confusing jargon. Just a clear first step.
Meet your broker
We'll explain everything in simple language, including borrowing capacity, loan types, repayments, upfront costs, application timelines, and who is involved along the way. You'll also have plenty of time to ask questions, big or small, because there's no such thing as a silly question when it comes to your home loan.
Whether you're buying, refinancing, investing, or building, we'll make sure you understand the process before moving into specific lender options and loan recommendations.
By the end of this stage, you'll have a clearer understanding of how the journey works and what Clarity will be doing to support you from start to finish.
Review your options
Using our access to a wide range of lenders, loan products, and loan structures, we'll compare the solutions that best suit your circumstances and future goals. Your broker will explain the pros and cons of each option, answer any questions, and provide personalised recommendations tailored to your needs.
By the end of this stage, you'll have a clear understanding of your options and the confidence to choose the path that's right for you.
We take care of the paperwork
We’ll prepare and submit your application, communicate directly with the lender, and manage the process from start to finish. If additional information is needed or challenges arise, we’ll guide you through them and work proactively to keep everything moving.
We’ll also coordinate with other parties involved in your journey, including solicitors, conveyancers, real estate agents, accountants, builders, and anyone else needed to help keep things on track.
Our goal is simple: to make the process as smooth and stress-free as possible while keeping you informed every step of the way.
Your finance is approved
We’ll walk you through your loan approval, explain your repayments, and make sure you understand any conditions or next steps. If loan documents need to be signed, we’ll help you review them clearly so you know what you’re agreeing to before moving forward.
We’ll also help manage any extra paperwork that may be needed, such as grants, guarantor documents, discharge forms, deposit bonds, or settlement requirements.
As always, we’ll make sure you know where things stand, what happens next, and what we’re doing to keep everything moving.
Settlement and beyond
Whether you're collecting the keys to a new home, finishing a refinance, or putting a new strategy into action, we'll make sure everything is in place and running smoothly.
But our support doesn't stop there. We'll continue to review your home loan, check that your interest rate remains competitive, and help you adapt your finance as your needs change. Whether you're thinking about renovating, refinancing, investing, upgrading, or simply have a question, we're always here to help.
Because at Clarity, your broker continues to support your goals long after settlement.
Backed by proven results
Excellent
1,389 reviews
Had the pleasure of working with Jared Parsons for the 3rd time, this is following using Clarity multiple times before this as well. Jared is fantastic to work with. Down to earth, super helpful and genuine. Would happily recommend him to anyone! Thanks Jared!
When I was seeking a home loan 5 years ago I was given the tip to approach Clarity Home Loans in Canberra. Shannon O'Neill and his team provided a first grade service in obtaining our loan at the very best rate at the time. 5 years on the level of customer service continues to which we are greatly appreciative of. Shannon ensures our loan rates are continually at the best rate available. I would have no hesitation to fully recommend Shannon and Clarity to ensure you have a service that fully satisfies your loan requirements.
I highly recommend Jared at Clarity Home Loans. This is the second time he has successfully helped us secure home loan approval, and once again he delivered exceptional service. Jared's professionalism, expertise, and genuine commitment made the entire process smooth and stress-free. His clear communication, attention to detail, and proactive guidance gave us confidence throughout every stage of the journey. If you're looking for a knowledgeable, trustworthy, and dedicated mortgage broker who genuinely puts his clients first, Jared is an excellent choice.
I had an exceptional experience with Cesar - helped me get my dream home I recommend him highly.
Working with Shannon at Clarity Home Loans was a great experience. You can tell they actually care about their clients as they took the time to understand exactly what my partner and I were looking for and found us the right fit. We felt supported from start to finish, and Shannon was always happy to answer our 'silly' questions, which made a huge difference as first-time buyers. Also, a big thanks to the rest of the team in the background who helped get everything across the line! We would definitely encourage anyone starting this process to reach out to them 🙂
Working with our Jared and the team at Clarity was an excellent experience from start to finish. They were knowledgeable, responsive, and took the time to explain every step of the process clearly. They worked hard to find us a great loan that suited our needs and made what could have been a stressful experience feel simple and straightforward. Their professionalism, attention to detail, and genuine care gave us confidence throughout the entire journey. I highly recommend their services to anyone looking for a reliable and trustworthy mortgage broker.
I would highly recommend clarity home loans as i have had nothing but good things to say from helping out with getting our first homeloan over 10 years ago and we have been happy ever since. They are always calling to make sure we are happy with where we are at and chasing up any concerns we have. We recently refinanced and it was very smooth and we were always kept up to date and the process was flawless. Arman yazarloo has been my main contact but I am sure the whole team are on the same page. Couldn't recommend enough.
Jared was an outstanding broker to work with throughout our home purchase. We had a genuinely complex situation, weighing up a bridging loan against selling our existing property first, and Jared took the time to properly walk us through the pros, cons, and costs of each path rather than pushing us toward the option that was easiest for him to process. His advice was clear, honest, and tailored to our specific circumstances. Thanks to his guidance we were able to make a confident, well-informed decision and settle on our new home smoothly. Jared was responsive, patient with our questions, and clearly knows the Canberra property and finance market well. Would not hesitate to recommend him to anyone navigating a tricky purchase or finance decision!
Cesar was recommended to us, and we’re so glad we got to work with him. From the very beginning, he was professional, knowledgeable, and incredibly supportive throughout the entire process. He made everything feel simple and stress-free, always keeping us informed and taking the time to answer all of our questions. Cesar genuinely cared about getting the best outcome for us, and thanks to his hard work and guidance, he has helped us achieve our goals. His communication and attention to detail were outstanding, and we always felt confident knowing we were in good hands. We truly appreciated all of his support. If you’re looking for an amazing mortgage broker we can highly recommend Clarity. Thank you again, Cesar!
Working with Clarity home loans has been nothing short of outstanding. From the very beginning, the entire process was seamless, transparent, and handled with a level of professionalism that gave us complete confidence at every step. A special thank you to Arman and Michele, who genuinely went over and beyond for us. He took the time to understand our full financial picture, helped us restructure our finances strategically, and guided us through the complex process of purchasing our dream home, all while ensuring we avoided the stress and cost of a bridging loan. What impressed us most was how Arman managed to create the best possible arrangement that allowed us to comfortably manage both properties without compromise. His advice was always comprehensive, detailed, and delivered with clarity. He consistently provided us with the information we needed before we even knew to ask for it. Clarity Finance has been an incredible partner throughout this journey, and we are genuinely grateful for the expertise, care, and commitment shown to us. We highly recommend Arman and the team to anyone looking for a mortgage broker who truly puts their clients first.
We got recommended Clarity Home Loans by a friend and we are glad we did. All of the brokers being independent was important for us to make sure they work in our best interests and not the banks. Matt Rastar reached out to me on a weekend and was super flexible in his communication to us throughout the buying process all the way to and even after settlement. He'd answer any questions thoroughly and clearly.
We had an amazing experience working with Cesar Martinez. Initially, we were planning to sell our current home and upgrade to a new one, but a few weeks later we changed our direction entirely. Throughout the whole process, he remained incredibly supportive and helpful. He provided comprehensive information, thoughtful guidance, and practical solutions for every scenario we were considering. He is sharp, very responsive, and consistently patient - walking us through every step and answering all our questions along the way. For a first-time experience, he made the entire process smooth and stress-free. We truly appreciate his professionalism and dedication. Highly recommended!
Couldn't recommend Asad and the Clarity team more - we have recently purchased our second home and the knowledge, guidance and professionalism shown by Asad has been amazing. Nothing was ever too much for Asad to help us with, everything was explained in a clear way. Communication was so punctual with both my husband and I being updated at every step. Even the real estate agent commented on Asad being one of the best brokers he's dealt with. We felt so supported by everyone on the team. We would recommend Asad and Clarity to anyone navigating home loans - thank you so much Asad!
First Home Buyers here. Shanice and Agnes from Clarity were wonderful and we can't recommend them highly enough. Made the process smooth, answered all of our questions, and were really knowledgeable. Also super prompt, hardworking and organised. We were very impressed with them and would definitely go with them again!
As someone who went into buying my first home knowing absolutely nothing, I can recommend Clarity and specifically Lachlan as a great mortgage broker. I have left the experience much more knowledgeable and with confidence. Nothing was too much for Lachlan, he provided us with so many options for loans and what each decision would look like, any time we had questions or wanted to look at other options he did all of the legwork quickly to give us as many options as we could ever want. We almost never had questions because we received so much information both verbally and via email. I would highly recommend Clarity to anyone buying a home in the future and will be recommending Lachlan to anyone I know buying in the future.
Shanice from Clarity Home Loans in Canberra was fantastic to work with, initially to calculate my borrowing capacity, provide various mortgage options and then seamlessly navigate the loan application itself. Whether dealing face to face, video conferencing via Teams or over the phone or in emails Shanice was the ultimate professional with a top shelf skillset to smoothly guide me through the whole process. Knowledgeable, patient, friendly, supportive, a clear, concise and confident communicator ....Yes, I would highly recommend Shanice (and Agnes!) (and Clarity) for a stress-free, stellar home loan service!
Josh from Clarity was fantastic! He walked my partner through the process of buying our first home and made everything easy to understand. He was very communicative and responsive, and always took the time to answer our questions. We felt supported throughout the entire process and would highly recommend Josh and the team at Clarity.
We had an incredible experience with Arman at Clarity! He moved mountains to get everything ready for us in a really short timeframe. Not only that, he was responsive, patient and was able to maximise our borrowing capacity for the best rate we had seen. I had not realised that we could borrow while avoiding a bridging loan — Arman’s deep level of expertise saved us so much money while we sold our previous home. To top it all off he is so communicative, providing support and weekly updates so you are never in the dark. Even if you are in the really early stages of thinking about a loan, I would say go to Arman! He really enlightened us about what was possible in our financial situation and we wished we had seen him sooner. 5 stars!!!!
Big thanks goes to Arman Yazarloo for helping my wife and I secure a loan for our new home. We were in the position where we wanted to quickly buy our new home before selling our old one. After explaining the options available between standard and bridging we decided to go for a standard loan and go through the process of an extended settlement period on our purchase to give ourselves time to prepare and sell our old home. Arman guided us through this process ensuring we always knew what needed to be done. We settled on both homes and got a loan we are very happy with. Going for a standard loan over a bridging loan gave us more competitive options for lenders which resulted in much better value and left us in a better position overall. Thank you Arman!
Cesar from Clarity Home Loans worked with me off and on for several years as I tried to find the right house to purchase. He communicated clearly and was patient as I shifted from my decision to renovate to sell and purchase another house. Cesar helped me to secure a mortgage for my wonderful new home. It’s been great to work with him and Clarity Home Loans and I highly recommend this service.
I am currently working with Matt from Clarity Home Loans and he has been nothing but helpful! He takes all the time I need to understand each step of my home loan, and always helps ease any worries or confusions I have. He is incredibly friendly and professional, and always responds to any emails or calls within a timely manner. I have recommended Matt to friends who are looking for a mortgage broker, and will continue to do so.
I can’t speak more highly of my experience with Shannon O'Neill at Clarity Home Loans when I needed expert advice on short-term bridging finance. Shannon went above and beyond throughout the loan process – from initial meeting through to settlement of both my purchase and my sale. His highly personalised and professional approach exceeded my expectations and made everything as stressfree as possible. If you're looking for an authentic, hard-working broker who genuinely cares for their clients, I highly recommend Shannon and Cindy at Clarity!
Great experience refinancing with my broker, Arman Yazarloo, especially during a really uncertain time with fixed rates going up. We talked through several fixed-rate options and he was very clear about the urgency of making a decision as rates were moving quickly. When the original lender increased their rates, he acted fast and resubmitted my application to another bank to make sure I still got a great deal. He also explained the rate lock option really clearly, which I decided to go with — and that ended up saving me over $4,000 over two years when rates later went up by 0.3%. On top of that, he secured a loan with an offset account and lower ongoing fees than my previous loan. Super proactive, knowledgeable, and easy to deal with. Highly recommend!
Recent experience with Clarity Home Loans. Cesar M was excellent and very helpful at all stages of the process. He explained complex issues with clarity. Home loans can be a difficult process, but my experience with Clarity was really wonderful. Info always provided promptly and great liaison with legals thru the settlement process. Much better than dealing directly with banks. Highly recommend!!
I highly recommend Clarity Financial, especially if you are a first time buyer or feel out of your depth with buying a property. I was initially referred by a friend when I was looking to settle on my block of land. Although they were not able to provide me with brokerage services at the time due to the extremely short turn around time (less than a month from settlement), they directed me to a bank that they knew would be able to accommodate such short notice. So, when time came for me to start construction on my block, I contacted them again. Arman was assigned to my file this time, and it felt like he was Godsend. I am not going to lie, it was not easy with lowball land valuation, refusal to refinance and others from my existing loan servicer. He kept me focused on the goal though and worked around all these issues. Ultimately he got me accross the finish line, I got my new combo loan settled at a good rate and have now started the construction process.
Numbers
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Applications processed
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Canberrans helped
5 star reviews
Tailored loan options, built around you
Understand your options
Before we recommend anything, we help you understand the different loan types, structures, features and lender options available, so you can make sense of what may suit your needs.
Expert-led appointments
Our brokers aren't paid varying commissions, so your recommendations are focused on your circumstances, goals and long-term plans, not lender choice. With access to over 55 lenders, we’ll help you compare suitable options and move forward with confidence.
Not sure where to start?
That’s what we’re here for. We’ll walk you through the home loan process, answer your questions, and help you feel confident every step of the way.
Talk to usFrequently
asked questions
Our process begins with a detailed conversation to understand your personal and financial goals. As your mortgage broker, we then leverage our extensive network of trusted lenders to compare hundreds of loan products on your behalf.
We will help you assess all the critical factors, including interest rates, fees, and loan features, to find the perfect match. Because our brokers are salaried, not commission-based, you can be confident that our advice is transparent, conflict-free, and always in your best interest.
While we provide a personalised checklist for every client, lenders generally require the following to verify your financial position:
- Proof of Identity: A 100-point ID check is required (e.g., passport, driver’s licence).
- Proof of Income: This can include recent payslips, group certificates, or tax returns.
- Financial Records: Bank statements for your savings and daily spending accounts.
- Details of Liabilities: Information on any existing debts, such as car loans or credit cards.
- Living Expenses: A summary of your regular household spending.
For self-employed applicants, additional documents will likely be required, such as business financial statements and tax returns. We will guide you through exactly what’s needed for your situation.
Securing the most competitive interest rates typically depends on a few key factors. Lenders favour applicants with a strong credit history, stable income, and a healthy deposit to lower the loan-to-value ratio (LVR). It’s also wise to minimise credit applications in the lead-up to applying.
Working with experienced brokers for home loans can significantly improve your position. We ensure your application is presented professionally and can negotiate with lenders on your behalf. Additionally, certain eligible professionals (such as doctors, lawyers, and accountants) may qualify for special rates and LMI waivers, which we can help you explore.
A bank can only offer its own products, which may not be the most suitable or competitive option for you. As your Canberra mortgage brokers, we provide access to a broad panel of lenders.
This allows us to compare a wide variety of home loans and find a solution that fits your unique circumstances. At Clarity, we combine this flexibility with our in-depth knowledge of the local property market and lender policies, offering you expert guidance that puts your goals first.
Choosing the right mortgage broker comes down to trust and expertise. A great broker doesn’t just have access to lenders; they prioritise your long-term financial wellbeing. At Clarity, our team consists of experienced, fully accredited, and locally-based professionals who are experts in mortgage broking.
Our salaried model means our primary focus is achieving the best outcome for you, not the lender. We have a proven track record helping everyone from first home buyers to seasoned investors.
While a 20% deposit helps you avoid Lenders Mortgage Insurance (LMI), it is certainly not a requirement. Many buyers in Canberra successfully purchase property with a deposit between 5% and 10%.
Furthermore, government initiatives like the First Home Guarantee and the Help to Buy Scheme can make it possible for eligible buyers to purchase a home with a deposit as low as 5%. Options like guarantor home loans can also be an effective strategy. We can walk you through all available pathways for your home loan to find the one that best suits you.
A mortgage broker is a licensed professional who acts as the intermediary between you and the lenders. Our role is to assess your financial situation, explain your borrowing options, and manage the entire home loan process from start to finish.
Crucially, under the Best Interests Duty legislation, we are legally obligated to act in your best interests, ensuring our recommendations are tailored to your needs. Instead of being limited to one bank’s products, you gain access to hundreds of loan options through a single, dedicated expert.
In many cases, yes. Most mortgage brokers do not charge clients a direct fee for standard home loan assistance, because the brokerage is usually paid by the lender after the loan settles. At Clarity, our brokers are paid a salary, not lender-based commissions. Clarity Home Loans may receive commission from the lender, but your broker’s pay is not linked to which lender you choose. If any fees apply, we’ll explain them clearly upfront.
Every home loan journey is a little different, but as a general guide, pre-approval can take anywhere from a few hours to a few days, depending on the lender and how quickly we can collect the right documents from you.
Once you’ve found a property and your full loan application is submitted, formal approval typically takes 1 to 2 weeks, depending on the lender’s processing times, the complexity of your application, and whether a property valuation is required.
Our Clarity Mortgage Brokers will keep things moving behind the scenes, update you at every step, and do the heavy lifting so you’re not left wondering what’s next.
Our relationship doesn’t end once your loan settles; in fact, it’s just the beginning.
At Clarity, we’re here for the long term. We’ll check in regularly to ensure your loan still aligns with your goals and let you know if better options become available. If your circumstances change, we’re only a call away to discuss refinancing, topping up, or buying again.
We’ll also keep you updated on lender policies, interest rate shifts, and opportunities to save, because your financial well-being matters to us well beyond the paperwork.
