STAC Home

STAC Home STAC Home are home loan specialists for business owners, professionals, and investors with complex corporate and income structures. Smart advice, straight talk.

Part of STAC Capital, so your home loan and commercial finance sit with one expert team.

Bridging Finance - Build First, Sell Later 🏗️🏡When timing doesn't line up between selling and building, a bridging strat...
21/07/2026

Bridging Finance - Build First, Sell Later 🏗️🏡

When timing doesn't line up between selling and building, a bridging strategy can keep things moving.

In this case, the client had already secured their new property and was ready to build their dream home - but didn't want to sell their current PPR too early.

The solution? A structured bridging loan using existing equity.

💰 Here's how it was set up:
• Total lending: $2.2M
• $1.04M bridging debt (interest capitalised)
• $1.16M end debt (Owner Occupied P&I loan)

🔑 Key features of the structure:
• Equity used from current PPR
• "As if complete" valuation used on the new build
• Build contract in place for the new home
• No repayments on the bridging portion during construction (interest capitalised)
• Standard repayments commence on the end debt only

✅ What this achieved:
• Build commenced without needing to sell first
• Flexibility to sell the existing home post-completion
• Cash flow managed during construction
• Clean transition from bridging to long-term lending

A practical solution when upgrading - giving you control over timing, not the market.

📩 Building your next home and unsure how to bridge the gap? Let's map it out.

16/07/2026

The best time is before you’re under contract pressure.

Early planning gives you more lender options and a cleaner approval path.

From Renting to Owning - Funded Through Smart Equity Use 🏡🔑Two applicants, with investment properties held by one party,...
12/07/2026

From Renting to Owning - Funded Through Smart Equity Use 🏡🔑

Two applicants, with investment properties held by one party, wanted to purchase a new Principal Place of Residence (PPR) and stop renting.

The strategy focused on refinancing, restructuring, and using available equity across the existing portfolio.

Here’s how it was structured:
New PPR Purchase
• Purchase price: $1.55M
• Loan: $1.24M (80% LVR, Owner Occupied P&I)

Investment Property 1
• $475K refinance
• $312K Interest Only split
• $68K equity release (Owner Occupied P&I split)

Investment Property 2
• $660K refinance
• $332K Interest Only split
• $196K equity release (Owner Occupied P&I split)

What this achieved:
• Secured a new PPR - eliminating ongoing rent
• Restructured investment debt to Interest Only to improve cash flow
• Utilised existing equity to fund the purchase - minimising cash contribution
• Aligned loan structure across multiple securities for long-term flexibility

A coordinated, multi-property strategy - turning existing equity into a new home and a more efficient portfolio.

Still renting but holding investment properties? Let’s map out how to make the move.

This scenario brought together two existing STAC Capital clients - matching a home loan client with a developer builder ...
09/07/2026

This scenario brought together two existing STAC Capital clients - matching a home loan client with a developer builder client to secure a new off-the-plan PPR unit.

A coordinated approach across relationships, purchase, and restructuring delivered a strong outcome for all parties involved.

Here’s how it was structured:

• $3.0M purchase price (off-the-plan PPR)
• $2.4M loan at 80% LVR
• Variable loan with multiple offset accounts for flexibility
• Existing PPR refinanced to Investment Interest Only
• Investment portfolio restructured - cross-collateralisation removed

What this achieved:

• Secured a premium off-the-plan residence
• Improved overall loan structure and cash flow across the portfolio
• Simplified lending by separating securities correctly
• Delivered a direct buyer outcome - saving the developer agent fees
• Supported two existing clients in achieving their next stage

This is where STAC adds value beyond finance - bringing the right people together, aligning goals, and creating opportunities that wouldn’t exist otherwise.

Looking to upgrade, restructure, or tap into the STAC network? Let’s map it out.

Family guarantees aren’t just for first home buyers.In this scenario, an existing homeowner was ready for the next stage...
03/07/2026

Family guarantees aren’t just for first home buyers.

In this scenario, an existing homeowner was ready for the next stage - converting their current home into an investment property while purchasing a new owner occupied home with plans to build.

The strategy needed to balance evolving finance goals, future investment planning, and construction funding - while also leveraging family support in a smart and structured way.

Working closely with the clients throughout the process, the focus wasn’t just on securing approval - it was about acting as a trusted advisor and helping structure the lending to support both current and future goals.

Here’s how it was structured:
• Existing PPR converted to an investment property
• Family guarantee used to assist with the new owner occupied purchase
• Pre-approval obtained for the future construction component
• Most recent year financials and tax returns used for servicing

The applicants were both PAYG within the construction business, with one applicant also holding additional PAYG employment externally as a secondary income stream. As part of the strategy, the purchaser was also the builder completing the build under their QBCC builder’s licence.

What this achieved:
• Allowed the clients to retain their existing property as an investment
• Secured the next owner occupied property with future build plans in place
• Leveraged family support without needing to sell existing assets
• Created a pathway from homeowner to long-term portfolio growth

A reminder that the right lending strategy should evolve alongside your goals - and that family guarantee structures can support far more than just a first home purchase.

Thinking about upgrading, building, or restructuring your lending strategy? Let’s map out the right approach.

Buying a home should feel clear, calm and well-managed from the start.That’s what Anthony focuses on with every client. ...
29/06/2026

Buying a home should feel clear, calm and well-managed from the start.

That’s what Anthony focuses on with every client. Making the finance process easier to understand, keeping things moving and giving clients confidence at each step.

Thanks to Tamara for the kind words. Anthony loved supporting you through your home loan process and helping make the experience feel easy and stress-free.

Keeping It in the Family - With the Right Structure 🏡This scenario involved purchasing a childhood home from parents at ...
22/06/2026

Keeping It in the Family - With the Right Structure 🏡

This scenario involved purchasing a childhood home from parents at market value, allowing a smooth transition into retirement for the parents - while securing a long-term home for the next generation.

With two self-employed applicants, each running their own business and managing multiple income streams, the focus was on keeping the process efficient and well-structured.

Here’s how it was set up:
• Purchase at market value
• 80% LVR on current valuation
• Equity effectively gifted by parents and used as security
• Reduced upfront cash requirement
• Surplus funds retained for future renovations

What this achieved:
• Seamless transition for the parents into retirement
• Secured a family home with long-term upside
• Preserved cash for improvements rather than tying it up in the purchase
• Structured around self-employed income with minimal disruption to their businesses

A great example of combining family planning with smart finance structuring. Looking at a family property transfer or similar setup? Let’s structure it properly from day one.

14/06/2026

Different lenders have different policies.

We compare options to find the best fit for your goals, not just the cheapest rate.

14/06/2026

Broker vs Bank: Avoid the 'Lazy Tax'

Most people accept their bank’s first offer.

A broker compares lender policies and structures, so you don’t overpay by default.

Want a quick review? Call today.

When you're managing multiple loans, responsiveness and expertise aren't optional - they're everything. At STAC Home, be...
10/06/2026

When you're managing multiple loans, responsiveness and expertise aren't optional - they're everything. At STAC Home, being available, knowledgeable and easy to deal with is just part of how we work.

Thanks to James Douglas for the kind words. It was a pleasure helping you navigate multiple loans and we look forward to continuing to support your property journey.

Address

Level 13, 100 Edward Street
Brisbane, QLD
4000

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+611300007822

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