What are the opening hours?

Monday 8am - 6pm Tuesday 8am - 6pm Wednesday 8am - 6pm Thursday 8am - 6pm Friday 8am - 5pm

Clarity Home Loans

Home
Australia
Canberra, ACT
Clarity Home Loans

Call Directions Website

Clarity provides a range of mortgage broking services to the people of Canberra with a staff of highly experienced Mortgage Brokers and administration.
(207)

Canberra Mortgage Brokers - Locally Owned
Over 1,400 5 Star Google Reviews - Award Winning

First Home Buyers, Purchases, Refinances, Investments, Off the Plan, Preapprovals, Bridging Finance

Speak with us today (02) 6209 1990

03/11/2026

Interest rates have risen again. What does this mean for you?

The Reserve Bank of Australia has today increased the official cash rate by 0.25 percentage points to 4.85%.

Whether you already have a home loan or you're planning to buy, here are a few things worth considering.

🔑Already have pre-approval?

Higher interest rates can affect how much you're able to borrow. Before making an offer on a property, check in with your bank or broker to confirm your borrowing capacity hasn't changed.

🔒 Considering fixing your interest rate?

There are pros and cons to fixed and variable rates, and you don't necessarily have to choose one or the other. Fixing a portion of your loan could be an option too. A broker can help you understand the differences and decide what might suit your circumstances.

💸 Worried about your repayments?

If you're concerned about meeting your repayments, speak with your lender early about what assistance may be available. You can also ask whether they can offer you a lower interest rate, or speak with a broker to explore whether there are more competitive options elsewhere.

🙏 Hoping to buy soon?

Changes to interest rates can affect your borrowing power, the repayments you can comfortably afford and potentially how much you'll need to save. Wondering what this means for your plans to buy? Reach out to our brokers for a chat and find out what might be possible for you.

Whether we arranged your home loan or not, our brokers are always happy to have a friendly, no-obligation chat about your options. We're here to help.

29/09/2026

The cash rate has increased. Here are a few things to consider.

🏠 Buying or pre-approved?
Check your numbers before making your next move. A rate rise can change how much a lender is willing to approve you to safely borrow, even if you already have a pre-approval. That means your comfortable purchase price may have changed too.

💸 Already have a mortgage?
Do not assume your current rate is the best your lender can offer. It may be worth asking for a sharper rate, comparing options, or reviewing whether your current loan structure still suits you.

🤔 Thinking about fixing?
Ask about rate lock. With some economists expecting another rise before the end of the year, it is important to understand when your fixed rate is actually secured, what rate lock costs, and whether it suits your situation.

😧 Worried about repayments?
Do not panic, but do act early. Speak with your broker or lender before things become unmanageable. Your bank may be able to discuss options, including a rate review, loan changes or hardship support if needed.

If today’s rate rise has left you wondering what to do next, give Clarity a call, even if we're not your current broker. Sometimes a quick chat over the phone is enough to help you understand your options, ask the right questions, and feel a little clearer about your next step.

25/09/2026

We did it again 🏆

Clarity Home Loans has been named Regional Broker Group of the Year NSW/ACT at the 2026 AFG (Australian Finance Group) Broker Awards.

We’re also incredibly proud to share that Clarity placed 2nd in the Top Broker Groups for NSW/ACT.

This one is huge for our locally owned Canberra team. To place second across NSW and the ACT, alongside some of the largest broker groups, major franchise networks and big Sydney brokerages, is something we are incredibly proud of.

And the recognition doesn’t stop there.

Winning Regional Broker Group of the Year NSW/ACT means Clarity now progresses to the national awards, where we’ll be in the running for Regional Broker Group of the Year Australia-wide.

A huge congratulations also to Cesar Martinez, who ranked in the Top 25 Brokers across NSW/ACT. An amazing achievement and a reflection of the care, consistency and hard work he puts into his clients every day.

Cesar also unofficially took out the title of Smartest Broker in the Room after winning the heads and tails game at the event, which we suspect he may mention once or twice around the office 🤭

For us, awards like this reflect the work of so many people: our brokers, support team, management team, and the partners who help us deliver the highest level of service to our clients, including the wonderful team at Keeping Clients.

Most importantly, thank you to our clients.

Every first home, next home, investment, refinance and family milestone you trust us with is the reason we get to do what we do. Your support, referrals and reviews continue to shape Clarity into the business it is today.

We’re proud to represent Canberra, proud of our team, and very grateful for another incredible result.

Now, onto nationals.

20/09/2026

This Thursday, part of the Clarity team will be heading to Sydney for the 2026 AFG (Australian Finance Group) Broker Awards, where we’re proud to once again be recognised among some of the top brokerages across NSW and the ACT.

Clarity has already been named in the Top 25 Broker Groups for NSW/ACT, with the final ranking to be announced on the day.

We’re also incredibly proud to have five of our brokers nominated in the Top 50 Brokers across NSW and ACT:

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

A special mention to Shanice, who is also a finalist for the Women on the Move Scholarship, recognising women in broking and supporting future leadership in the industry.

Clarity is also a finalist for Regional Broker Group of the Year NSW/ACT, an award we’ve been fortunate to win in previous years.

We’ve been lucky enough to take this one home a few times before…, can we do it again?

Recognition like this means a great deal to our locally owned Canberra team, especially when these lists include large broker groups, franchise networks and major brokerages from Sydney and across NSW.

We’re proud of our team, grateful to our clients, and looking forward to celebrating the industry on Thursday.

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!

Address

Level 4, 33 Allara Street
Canberra, ACT
2601

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 5pm

Telephone

+61262091990

Website

http://www.clarityfinancial.com.au/

Alerts

Be the first to know and let us send you an email when Clarity Home Loans posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.