Star Lending

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Star Lending

Brokerage services providing effective and personalised financial solutions.

03/09/2026

How long does it take to get approved for a home loan?

The answer depends on the complexity of your application, as well as the type of lender you're applying with.

While there are some online lenders that can have a decision made in a matter of a few days, if you want to optimise your options, it's never a good idea to leave your application to the last minute.

You'll also need to factor in time for the property valuation and settlement.

We suggest getting in touch with us a few months before it's time to apply, so we can give you guidance on what the lenders are looking for, and how they're likely to view your unique situation.

Getting started early also means you get to keep your options open, rather than being tied to the lenders with the quickest turnaround times.

What are you waiting for?

31/08/2026

Do you own your own home?

If you've built up equity in your property, there are two ways to leverage it:
🔑Negotiate a better deal with your lender
🔑Use it to secure finance for an investment

Ask us how.⠀

28/08/2026

If buying a home is on the horizon, before you even think about applying for a loan, make sure the way you manage your money is creating a good impression:

✔️Pare back your spending
✔️Show you're a good saver
✔️Rethink those credit cards
✔️Pay your bills on time
✔️Cut out the UberEats, AfterPay and Sportsbet
✔️Enlist the help of an expert

Lenders love it when you know where your money's going. It gives them confidence that you'll pay them back.

Get in touch to get started!

26/08/2026

Did you know that getting a better deal on your existing home loan doesn't always mean switching lenders.

Sometimes, it's simply a matter of us negotiating a better offer with your existing bank – otherwise known as repricing.

The lender won't always agree to the terms we request, but it's absolutely worth having the conversation. The market is so competitive and your bank will do their utmost to retain you as a customer.

Get in touch to find out whether repricing could be right for you.

22/08/2026

Thinking specifically of your home loan here - provided you haven’t had it reviewed in the last 12-24 months - but sure, feel free to use this as the sign you’ve been looking for.⠀⠀⠀⠀⠀

20/08/2026

Banks love a good acronym. Here are three you'll come across on your home buyer journey:

LVR: Loan to Value Ratio is how much you're borrowing compared to the value of the property (and accounting for all fees and taxes). An LVR of 80%, for instance, means you have a 20% deposit to contribute to the purchase once you've paid Stamp Duty and other costs.

LMI: Lenders Mortgage Insurance is what protects the bank on the off-chance you default on your loan before you've had a chance to build up your equity. Generally you'll have to take out this insurance if you have a smaller-than-usual deposit (as you'll be considered a bigger risk).

SVR: Standard Variable Rate is the interest rate of a lender's 'standard' home loan. These loan products usually include a lot of bells and whistles, and so will be more expensive than a basic variable loan.

Any questions on home loan jargon? Send us a DM.

17/08/2026

Consider us your finance matchmakers.

We start by understanding what you want and need, as far as your property strategy goes.

We scour the market and analyse a huge range of loan options, with the help of some exceptional tech.

We then facilitate the application process, letting you put your best foot forward to the lender.

We do all this so you don't have to!

15/08/2026

Did you know there’s more to applying for a home loan than simply getting approved?

When we work together, we look at how the structure of the loan is going to support both your immediate and longer term property investment strategy.

We want you to secure finance that works for you!

12/08/2026

Those online calculators are not exactly famous for being accurate. So how much can you really borrow?

It used to be that banks would let you borrow around ten times your annual income. These days it's closer to 6 or 7.⠀
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(It depends on your existing debts, of course).⠀
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Each lender has their own policies on how they judge different sources of income. Some won't factor in your overtime, for instance. Others won't include the earnings from your freelance work.

This can be the difference between being able to borrow enough for your dream home, or not.⠀

Or the difference between getting approved for Loan A, versus getting knocked back from Loans A, B and C.

Don't go it alone - get in touch to talk about the best approach to your unique situation.

10/08/2026

Investing in real estate is a long game. And as we know, a lot can (and will) happen in 5, 10, 20, 30 years.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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We don't see the Great Australian Dream losing its lustre any time soon.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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What's better than owning your own home, except maybe having an investment property or two under your belt as well?⠀⠀⠀⠀⠀⠀
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Get in touch to find out how you can climb the property ladder.

Address

Level 1, 282 Collins Street
Melbourne, VIC
3000

Telephone

+611300127827

Website

http://www.starlending.com.au/

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