Clarity Home Loans

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.

15/05/2026

We’re excited to be partnering with the Canberra Kart Racing Club as the official sponsor of the Junior Heavy category for the 2026 season 🏁

While we might work in home loans instead of horsepower, we can definitely appreciate the focus, precision, and teamwork that goes into a successful race day.

We’re proud to support the next generation of local drivers and can’t wait to be part of the season ahead 🏎️

📣 Sponsorship Announcement 📣
Clarity Home Loans 🤝 Junior Heavy

We’re pleased to announce that Clarity Home Loans will be joining the Canberra Kart Racing Club as the official Junior Heavy Class Sponsor for the 2026 season.

A Canberra-based business, Clarity is a trusted team of mortgage brokers dedicated to helping clients navigate the home loan process with confidence. Known for their transparent and customer-first approach, their brokers are focused on finding the right loan solutions tailored to individual needs, with a strong emphasis on clarity, guidance and long-term support.

We’re proud to have them supporting our junior categories and contributing to the development of the next generation of drivers.

To learn more about Clarity Financial and their services, visit https://www.clarityfinancial.com.au/

05/05/2026

Another rate rise can bring a lot of questions.

- Should I refinance?
- Is this really the best rate my bank can offer?
- Should I fix my loan before rates go up further?
- What happens if my repayments start to feel too much?

This is exactly where having a broker on your side makes a difference.

At Clarity, we’re here to help you make sense of the options, not leave you guessing. We can help you request a sharper rate from your current lender, compare whether another lender might be worth considering, talk through whether fixing part or all of your loan makes sense, and guide you on what to do if repayments are starting to feel difficult.

And yes, you can ask as many questions as you need. There are no silly questions, no rushed conversations, and no expectation that you already understand all the moving parts.

It’s something our clients often mention in their reviews: feeling supported, having things clearly explained, and knowing someone is genuinely looking out for them.

Best of all, speaking with us doesn’t cost you anything. Even if you don’t refinance, and even if all you need is a quick chat to understand where you stand, we’re here to help.

When money feels tight, good advice shouldn’t be one more thing you have to budget for.

23/04/2026

Over the last 20 years, a lot has changed in lending.

Looking back, so has the team.

Some of the people here today have been part of Clarity since the early days, spanning close to the full 20-year journey. Others have been here for well over a decade, working through different markets, different client stages, and everything in between.

That kind of experience is hard to replicate.

This continuity means clients are working with people who bring years of context to the conversation, and often, a long history with the clients themselves.

A few more grey hairs, and in some cases a lot less hair 🤭, but through all of it, one thing has remained consistent. A focus on clear advice, long-term relationships, and putting clients’ interests at the centre of every decision.

20/04/2026

Today we’re celebrating 5 years with Clarity for Shanice Briones 🥳

In our Google reviews, her clients often highlight her clear, practical advice and the confidence they feel throughout the process. Many mention her hands-on support, how well she explains each step, and how much more manageable everything feels along the way.

During these five years, Shanice has been recognised across the industry, including being named a finalist for Best New Broker early in her career and going on to achieve multiple Top 50 Broker rankings.

Congratulations on an amazing 5 years, Shanice!

19/03/2026

Jared’s journey with Clarity actually started as a client.

After going through the home loan process himself, he was inspired by the experience and decided to step into mortgage broking. Fast forward eight years, and Jared has grown into one of our leading brokers, mentoring some of the newest members of the Clarity team today.

One thing clients consistently say about Jared is his ability to take complex lending scenarios and explain them in a way that’s clear and easy to understand. Home loans can feel overwhelming, but Jared has a knack for breaking things down into practical, digestible steps so clients feel confident about what comes next.

From client, to broker, to mentor. Congratulations on 8 years, Jared 🎉

17/03/2026

The RBA has increased the cash rate today, with lenders expected to announce their changes over the coming days.

We know rate rises can be tough, so here are a few things worth checking.

Ask about a better rate:
If you already have a home loan, it’s worth contacting your bank or broker to see if a discounted rate is available. Many lenders will review pricing for existing customers if you ask.

Consider refinancing:
When rates move, lenders often compete harder for new customers. Reviewing your refinance options could help reduce the impact of the increase. A broker can help compare lenders and make the process much easier.

Check your borrowing power if you're buying:
For buyers, a rate increase can slightly reduce borrowing capacity. If you're actively house hunting, especially heading to auction, it’s worth checking in with your broker to confirm your spending limit.

If you'd like to review your options, the Clarity team is here to help.

14/03/2026

Today we’re celebrating Guy's 9 year anniversary with Clarity!

Over that time, Guy has built something we value hugely at Clarity: strong, long-term relationships with his clients. Many return years later for their next move, and so many new clients come to Clarity because a friend, family member or colleague recommended Guy to them. That kind of loyalty and word-of-mouth trust says everything about the way he looks after his clients.

Guy recently took some well-earned long service leave, swapping loan scenarios for farm life while growing garlic and raising alpacas. Here's to another 9 years, Guy!

12/03/2026

Over the years, thousands of life-changing conversations have happened in our office. Moments where clients realised that owning a home might actually be possible. Moments where plans turned into reality.

As our team and our community continued to grow, we knew it was time for a new space.

A new home for Clarity, one we’re incredibly proud of.

A space where even more Canberrans will walk in with a dream, and walk out knowing their new home is within reach.

More room to grow.
More room to support our clients.

Best of all, our new office is just one level up, at Level 4, 33 Allara Street, so we'll still be easy find!

The doors to our new home open Monday the 16th of March, we can't wait to show you around.

08/03/2026

You know the moment.

Everyone trying to get ready at the same time.
One bathroom.
A queue down the hallway.

What once felt like the perfect space suddenly doesn’t quite fit anymore.

It’s a moment many homeowners reach.

When life grows, sometimes you need a little more room.

And lately… we’ve been having that same thought at Clarity.