Star Home Loans

Star Home Loans Helping you secure the right loan. From first homes to investments and everything in between.

It depends.Paying down your car loan can reduce your existing commitments, but using a large portion of your savings to ...
03/09/2026

It depends.

Paying down your car loan can reduce your existing commitments, but using a large portion of your savings to clear the loan could also leave you with less available for your property purchase 💰

So while reducing debt can help your borrowing position, it’s important to consider the bigger picture and how it affects your overall funds available 🏡

A $0 balance doesn’t necessarily mean your credit card has no impact on a home loan application 💳When assessing your bor...
02/09/2026

A $0 balance doesn’t necessarily mean your credit card has no impact on a home loan application 💳

When assessing your borrowing position, lenders may consider the credit limit available to you, not just what you currently owe.

So even if you’re not carrying a balance, a high unused limit can still influence how much you may be able to borrow.

It’s one of those small details that can make a difference when you’re preparing for your next property purchase 🏡

A new job can be great for your career but what does it mean for your borrowing power? 👀When you change jobs, a lender ...
31/08/2026

A new job can be great for your career but what does it mean for your borrowing power? 👀

When you change jobs, a lender may look beyond your new salary. They can consider things like how long you’ve been in the role, whether you’re still on probation, your employment type and how consistent your income has been.

That doesn’t mean you need to put your career plans on hold. It just means the timing of your job change can be worth considering if you’re planning to borrow soon.

Fixed doesn’t always mean better 👀A fixed rate can give you certainty over your repayments, but it can also come with le...
27/08/2026

Fixed doesn’t always mean better 👀

A fixed rate can give you certainty over your repayments, but it can also come with less flexibility.

Want to pay your loan down faster? Refinance? Sell sooner than expected? Depending on your loan, there may be restrictions or costs involved.

The lowest rate isn’t always the whole story, make sure you know what you’re giving up for the certainty.

Really appreciate the feedback 🙏🏻We’re glad we could make the refinancing process straightforward and stress-free. Thank...
26/08/2026

Really appreciate the feedback 🙏🏻

We’re glad we could make the refinancing process straightforward and stress-free. Thank you for trusting the Star Home loan team, and for taking the time to recognise Anu and Ankit for their support.

Thinking about upgrading your car before buying a home? 🚗🏡A new car loan doesn’t just add another repayment to your budg...
25/08/2026

Thinking about upgrading your car before buying a home? 🚗🏡

A new car loan doesn’t just add another repayment to your budget, it can also affect how much a lender is willing to lend you for a home.

That’s why it’s worth considering the bigger picture before taking on new finance, especially if a home purchase is on the horizon.

A decision made today could impact your borrowing power tomorrow.

Your payslip doesn’t tell the whole story 👀When lenders assess your borrowing capacity, they’re looking at what’s left a...
24/08/2026

Your payslip doesn’t tell the whole story 👀

When lenders assess your borrowing capacity, they’re looking at what’s left after your regular living costs and financial commitments, from groceries and utilities to subscriptions, insurance and transport.

So even if your income looks strong on paper, your spending habits can still impact your borrowing power.

It’s not just what you earn. It’s what your overall financial position looks like.

When you’re preparing to buy a home, it’s easy to focus on the big numbers but smaller debts can still influence your bo...
19/08/2026

When you’re preparing to buy a home, it’s easy to focus on the big numbers but smaller debts can still influence your borrowing position 💰

Credit cards, personal loans and other ongoing commitments are all considered when assessing your application.

Understanding how your existing commitments may affect your borrowing power can help you plan your next move with greater clarity 🏡

It’s often the little things that can make a big difference 👀When you’re preparing to apply for a home loan, your overal...
18/08/2026

It’s often the little things that can make a big difference 👀

When you’re preparing to apply for a home loan, your overall financial picture matters, not just your income.

The habits you’ve built over time can give lenders a clearer picture of how you manage your finances and your ability to meet your commitments.

If buying a property is on your radar, getting your finances organised early can put you in a much stronger position when the time comes 🏡

The lowest interest rate doesn’t always mean the lowest-cost loan 💡A loan’s structure, features, fees and flexibility ca...
17/08/2026

The lowest interest rate doesn’t always mean the lowest-cost loan 💡

A loan’s structure, features, fees and flexibility can all impact the overall cost, which is why it’s important to look beyond the headline rate.

The right loan isn’t always the one with the lowest rate. It’s the one that makes sense for your goals and financial position.

Address

A217/20 Lexington Drive
Baulkham Hills, NSW
2153

Telephone

+61405610301

Website

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