Everyday Home Loans from WhiteStar Finance Pty Ltd

You can trust WhiteStar Finance to provide everyday home loans with personalised service, great value and great rates.  

Whether you are buying your first home, buying an investment property or renovating, we offer a range of Home Loans with features such as redraw, 100% offset and flexible repayments.

With the busy lifestyle we lead today, the team at WhiteStar Finance understands that it’s not always possible to take time off work to visit our offices to complete application forms.
 
This is why we have developed a full application service by phone.  Our dedicated staff will provide you with personalised service and will help you determine which loan is best suited to your needs. They will assist you in completing the application and step you through the approval and settlement process.

Standard Home Loans - Fixed or Variable or even a mixture of both

To safeguard you against interest rate increases, you can fix your interest rate for a period of time on our Standard Home Loan. This gives you the certainty of knowing what your repayments will be for a fixed period of time and the flexibility of repaying your loan without any penalty after the fixed interest rate period.

Principal and Interest or Interest Only

Depending on your situation, paying off the Principal and Interest as fast as possible may be the best for you. However if the loan is for investment use you may wish to use the Principal amounts elsewhere and just meet the interest repayments. Also if you run into some financial difficulty, the option of reducing your repayments because they are Interest Only may be the little bit of help you need.

Home Equity Loan

If you have equity in your home, you can consolidate all your debts into one loan by refinancing. For example, you might be able to add the cost of home renovations or a new car onto your home loan to take advantage of a lower interest rate.

Refinancing Home Loans

Refinancing can also be a good option if your home loan doesn’t suit your needs anymore or if you’re paying too much for it.

Some people will choose a more expensive home loan on the basis of the features offered. However, if they are not making use of these features they could be better off with a lower interest rate. Others may have a loan with a low interest rate only to find out that they cannot make extra repayments without being penalised and every time they need to use redraw they incur a fee.  

Refinancing, however, does not make good financial sense for everyone. Before you decide to refinance, it is important to look at the costs and whether it is worth it. However, the satisfaction you have from refinancing sometimes may be of more benefit to you than the costs involved – of course, this is entirely up to you.

Construction Loans

This is a flexible loan for people who are building a home or investment property, allowing for progress payments to the builder during the construction period.

Low Doc Loans & Asset Lends

For those people who are self employed and may be having difficulty substantiating income. We may be able to assist you with a suitable product solution.  

100% Loans

Available for Purchases or Construction. For those who have genuine or non-genuine savings. A higher lend against your new home may be the difference to making it a reality or not.

Call our friendly staff

Our friendly staff  are here to discuss your private financial circumstances in confidence. Call WhiteStar on 1300 667 837 or contact us.