We would never have been able to achieve what we have without Spencers guidance, knowledge and good humour! From our initial enquiry through to settlement and beyond he has been exemplary in helping us with our first ever home build/purchase. His response times and communication have always been on point and he has definately made our lives less stressful.
We highly recommend Spencer! He was incredibly helpful in guiding us through the process of buying our rural property. As first-time buyers, we didn’t have a clue where to start. It was a challenging purchase—almost 100 acres and a “house” that was, realistically, a bit of a dump—but Spencer worked tirelessly to help us secure the loan. Without him, we wouldn’t be living our dream. Thank you so much, Spencer!
My long held dream of buying a rural property was disappearing fast- Banks said NO,Other Brokers said that they didn't like my prospects and some never bothered getting back to me. Until I came across Spencer Clarke. He was so approachable, respectful and his knowledge and help getting me this loan was truly incredible. To have a home on acreage with peace and quiet amazes me- even 6 months later. I was basically scoffed at by other brokers - but with Spencer's prowess and guiding me step by step with excellent communication skills- my dream has been realised and I am forever grateful.
From the start Spencer was very informative and a great communicator, as a FHB Spencer made sure we knew every detail about the process with a realistic approach. Spencer got us the best deal possible and we are very greatful to have Spencer as our broker, we will absolutely use him again for any future brokerage needs!
Spencer took the time to explain things to us. Made us feel very comfortable with decisions and assisted us in funding our first home. We would highly recommend Spencer to anyone new to the market and really unsure about where to start.
We recently had the pleasure of working with Spencer Clarke during the purchase of our new property, and we couldn’t be more impressed. From our very first interaction, Spencer was professional, approachable, and genuinely invested in helping us secure the right home. His communication was clear, timely, and consistent throughout the entire process, and he went above and beyond to ensure we felt informed and supported every step of the way. Nothing was ever too much trouble—Spencer was always available to answer questions, coordinate inspections, and provide valuable insights that made the whole experience smooth and stress-free. It’s rare to come across someone in real estate who combines expertise with such a personal and down-to-earth approach. Spencer’s integrity and dedication truly set him apart, and we can’t thank him enough for helping us navigate one of the biggest decisions of our lives with confidence. We wouldn’t hesitate to recommend Spencer to anyone looking to buy or sell. He’s an absolute credit to the industry.
Spencer is everything you wish for in a broker. As a FHB guidance through the whole process is so important and Spencer really went above and beyond for us! He kept us updated and educated the whole time giving us frequent calls and messages to inform us on each stage. I would highly recommend him to everyone no matter what situation you are in, he gives realistic advice and we got the best possible outcome we could have asked for. Overall just the best broker we spoke to and we are so happy we chose him.
In an impossible time frame Spencer was able to help me far beyond my expectations. Dealing with other brokers earlier with Spencer i saw what a true professional in his field can achieve. Highly recommended!!
Spence was great, keeping us informed for the duration of the loan. Explained everything and was fully transparent. Reccomend
After being declined by several major banks and even another mortgage broker, we were starting to lose hope. Most lenders insisted on including my husband's income in the application, but with him unable to work following a stroke, that simply wasn’t possible. As a result, our attempts to secure finance were repeatedly knocked back. On top of that, I had been without a car for over a year, which made day-to-day life incredibly challenging and I wasn’t sure if I would ever be able to climb my day out of the pit I was in. Then we found Spencer Clarke from Cube Home Loans, and everything changed. Spencer took the time to understand our situation and, incredibly, was able to achieve what others couldn’t: he helped consolidate our debt and secure finance for a vehicle, all based solely on my single income. We're now enjoying days at the beach - even this close to winter! As an added bonus, we recently received confirmation that our new ender (arranged through Spencer) will be passing on the full 0.25% interest rate cut following the May RBA announcement. We are beyond grateful and wouldn’t hesitate to recommend Spencer to anyone, especially those facing difficult or unique financial circumstances. I look forward to working with him again in the future.
I had a great experience working with Spencer to get my home loan sorted. It was smooth sailing the whole way through and I was very happy with the result. Would highly recommed reaching out to Spencer to find you the best deal. His system is very organised so you can get the documents required at your own pace so if you're in a rush like I was, you can knuckle down and get it done.
We recently purchased our second home, and Cube Home loans made the mortgage process an absolute breeze! Our broker, Spencer Clarke, went above and beyond to find us the best loan option, even when Lender Mortgage Insurance was a challenge for us to juggle. He worked tirelessly to navigate our options, ensuring we secured a great deal while making everything clear, stress free and communicating with us the whole time. What truly sets Cube Home loans apart is their commitment to their clients. Spencer was incredibly responsive and proactive, always keeping us informed and confident in our decisions. The level of professionalism and dedication we experienced was unmatched. If you’re looking for a mortgage broker who genuinely cares about his clients I highly recommend Spencer Clarke. We couldn’t be happier with our experience. Thank you for making our dream home a reality—again!
