Clarity Home Loans

07/09/2026

Today we’re celebrating Rob Garth’s 18th year with Clarity.

Rob joined Clarity in 2008 as a lending assistant, and over the years has grown through the business to become a mortgage broker, mentor, Chief Operating Officer and part-owner.

In that time, a few things have changed. The industry has changed, Clarity has grown, and Rob may have had a little more hair when he first started.

What hasn’t changed is the trust Rob builds with his clients.

For clients, Rob is known for being approachable, down to earth and easy to talk to. The kind of broker who makes the process feel less intimidating, explains things clearly, and helps people see what might be possible, even when they thought the answer would be no.

Inside Clarity, Rob’s impact is just as significant. He has trained and mentored many of the successful, award-winning brokers who are part of our team today, and he continues to help shape the next generation of brokers coming through the business.

Happy 18 years, Rob!

11/08/2026

The cash rate is on hold today at 4.35%, but your home loan still deserves a check-in.

When the RBA leaves the cash rate unchanged, it is easy to assume there is nothing to do.

But your current lender may still have better rates available. Another lender may be more competitive. Your offset or redraw setup may not be working as well as it could. And if your circumstances have changed, your loan structure might not be the best fit anymore.

A rate hold is a good chance to pause and ask: is my home loan still doing what I need it to do?

You do not need to wait until repayments go up to review your options.

If you would like to understand whether your loan is still competitive, the Clarity team can help you take a look.

09/08/2026

Six years of Michele Dillicar at Clarity!

Michele is Arman Yazarloo’s personal assistant and plays a huge role in helping keep things organised, clients supported, and the process moving behind the scenes.

She’s been part of the Clarity team for six years now, and these days she joins us from Cairns, bringing a little extra sunshine to the team while the rest of us brave the Canberra winter 🌞

While we may be jealous of the weather, we’re very grateful for Michele and everything she does for Arman, his clients, and the wider team.

Happy 6 years, Michele!

30/07/2026

Could this be the change that helps you buy in Canberra?

Big changes have come in for the ACT Home Buyer Concession Scheme, and for some buyers, this could make a huge difference.

From 1 July 2026, eligible buyers may pay $0 stamp duty when buying a home or residential land in the ACT.

The biggest changes?

🏠The property price cap has been removed.

💰The income threshold has been removed.

That means the scheme is no longer limited in the same way by how much the property costs or how much you earn.

So, who could this help?

🪴First home buyers

If you’re buying your first home in the ACT, this could be a major opportunity. Stamp duty is often one of the biggest upfront costs when buying, and removing it could mean your deposit goes further than you expected.

🏡People who have owned before

This is the part many people may miss.

You do not necessarily have to be a “first home buyer” to qualify.

If you and your partner have not owned property in the last five years, you may still be eligible under the scheme. So if you owned a home years ago, sold, and have been renting or waiting for the right time to buy again, this could be worth looking at.

✅ To be eligible, you generally need to:

- Buy a home or residential land in the ACT
- Be 18 or over
- Meet the prior ownership rules, including your partner
- Have at least one buyer live in the home as their main residence for at least 12 months
- The property can be an established home, a new home, or vacant residential land.

For buyers who thought stamp duty was one of the biggest things holding them back, this could be the reason to revisit the numbers.

Maybe the house you ruled out now looks different.

Maybe the deposit you’ve saved goes further.

Maybe buying in Canberra feels a little more possible than it did before.

As always, eligibility matters, and it’s important to get the right advice before making decisions. But if you’ve been waiting for a change that could help you take the next step, this is one worth looking into.

Want to know whether these changes could help you? Chat to the Clarity team and we can help you understand what it might mean for your home buying plans.

29/07/2026

Our new digital home is live.

After a fresh new look, a move into our new office and celebrating 20 years of Clarity, it felt only right that our online home had a refresh too.

But this isn’t just a new website. Like any good home, it’s been built with room to grow.

The new Clarity website gives us a better place to share helpful resources, client stories, guides and plain-English home loan information, whether you’re buying your first home, refinancing, investing, building, or simply trying to understand your options.

Our goal is to make home loans feel clearer, easier to understand and a little less overwhelming.

Come on in and take a look around.

clarityfinancial.com.au

26/07/2026

Today we’re celebrating Fiona Mills' 6 year anniversary with Clarity!

Fiona started with us in administration, assisting Guy Curtis and supporting clients through the home loan process. These days, she works across the business as our Operations and Finance Manager, helping keep Clarity running smoothly behind the scenes.

From finance and reporting to keeping a thousand moving parts under control, Fiona plays a big role in making sure the business keeps ticking.

She’s also set a very high standard when it comes to office footwear, with quite possibly the fanciest shoe collection at Clarity 👠

Happy 6 years!

21/07/2026

We’re finalists again!

Clarity Home Loans has been named a finalist at the 2026 AFG (Australian Finance Group) Broker Awards, and we’re feeling pretty proud of this local team.

This year, Clarity is up for:

🏆 Regional Broker Group of the Year, NSW/ACT
🏆 Top 25 Broker Group, NSW/ACT

We also have five brokers named in the Top 50 Brokers for NSW/ACT:

👏 Arman Yazarloo
👏 Rob Garth
👏 Cesar Martinez
👏 Jared Parsons
👏 Shanice Briones

And a very special mention to Shanice, who is also a finalist for the Women on the Move Scholarship, recognising women in finance broking and supporting their growth, development and leadership in the industry.

We always feel incredibly proud to be named alongside some of the biggest brokerages across NSW and the ACT, including major Sydney groups, large franchises and national brands. For a locally owned and run Canberra business to consistently make these lists is something we never take for granted.

Most importantly, thank you to our clients. Every family home, first home, investment, refinance and next step you trust us with makes this possible.

We’re proud to represent Canberra, proud of our team, and very grateful to be recognised again.

22/06/2026

To celebrate 20 years in business, part of the Clarity team recently traded the Canberra winter for hot and sunny Phuket, Thailand as we came together for our 20 Year Conference.

The trip was a chance to properly pause and celebrate a huge milestone, but also to look ahead.

There were plenty of laughs, sunshine, great food, and a lot of moments that reminded us how lucky we are to work with people we genuinely enjoy spending time with.

We’re now back home in Canberra, slightly tanner, very grateful, and even more excited for what the next chapter of Clarity can deliver.

19/06/2026

A quick heads up for our NAB customers!

Heads up: There’s a phishing email going around pretending to be from NAB. It may have a subject line like “NAB Alert” or “NAB Customer Alert” and claim there’s been suspicious activity on your account, a declined transaction or an unusual payment.

The email asks you to call a phone number to secure your account. This email isn’t from us - please don’t call the number, share any personal information or transfer money.

If you’ve received this email, forward it to [email protected] and then delete it. If you’ve called the number, shared information or transferred money, contact us immediately on 13 22 65 or visit your nearest NAB branch.

You can read more about the latest scam alerts here: nab.com.au/securityalerts

31/05/2026

This week, Clarity celebrates 20 years in business.

We started in 2006 in a small office in the city. Back then, a home loan application meant paperwork. Lots of it. Many experienced brokers will remember standing over a fax machine, hoping it didn’t jam halfway through sending an application.

Since then, the way lending works has changed completely.

Paper applications gave way to electronic lodgements. Wet signatures turned into digital signing. What used to take days to move between parties can now happen in minutes.

Behind the scenes, the industry has evolved just as much.

We’ve seen policy and legislative changes, increased regulation, and the introduction of Best Interests Duty. We’ve seen the broker industry come under scrutiny, adapt, and become stronger as a result.

Interest rates have moved through full cycles. Each phase has brought a different set of challenges, questions and conversations for clients.

New suburbs have emerged across Gungahlin and Molonglo. Areas like Denman, Whitlam and beyond didn’t exist in their current form 20 years ago. The city has expanded, buyer profiles have shifted, and the way people think about property has evolved.

Clarity has grown too.

From that original office to our new space, designed to support the next phase of the business. A bigger team, new ways of working, and a very different day-to-day environment.

The tools have changed. The process has changed. The market has changed.

And while we’ve continued to evolve, we’ve held onto what matters most: clear advice, strong relationships, and putting our clients first.

To our clients, referral partners, lenders, BDMs, team members past and present, and everyone who has supported Clarity over the past 20 years, thank you.

Choosing a local, Canberra-owned and run brokerage means something. Especially in an industry filled with big banks, large franchises and national brands. Every client who has trusted us, every person who has referred a friend or family member, and every one of our more than 1,360 five-star Google reviews has helped shape Clarity into the business it is today.

We’re incredibly proud of where we’ve come from, grateful for the people who have been part of the journey, and excited for what comes next.

Here’s to 20 years of Clarity, and the next chapter ahead.