At Steller Home Loans our professional team are primarily concerned with understanding your needs in order to place you in the right loan and facilitate a smooth settlement process.
Steller Home Loans is your financial solution, effectively a broker who works with you to obtain financing either to purchase or secure against a property from a financial institution.
There are many variables to consider when looking for a loan to suit you including the maturity, interest rate and method of payment. Our professional team can assist you to navigate the process and secure the loan that is best suited to you.
An investment plan is one that works toward building your wealth and securing your financial freedom, structured in a specific way that allows you to maximise your assets.
Property is a long-term investment and the Steller Home Loans team are committed to helping you take steps to secure your future and achieve your goals.
Due to expensive upfront costs and regulatory hurdles, smaller businesses do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. Commercial Loans are renewable loans used to finance a company’s immediate working capital needs. These can be large or small scale and usually operate short-term.
The variable rate loan offers more features and flexibility than a standard loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of a fixed rate loan is it allows you to organise your finances and repayments without the risk of rising interest rates, yet if interest rates drop you forfeit the ability to take advantage of such a drop.
A Honeymoon Loan offers lower repayments for the first six to twelve months. After the ‘honeymoon’ period, the loan becomes a standard variable loan and repayments increase. The key is to ensure you can meet the higher repayments for the remainder of the loan and bear in mind you could also incur a fee at the end of the honeymoon period to switch to another type of loan.
A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilising the equity in your existing property. Usually, bridging loans are short term and more expensive than other types of loans.
Steller Home Loans specialise in helping you secure your loan and financial freedom by offering risk and life insurance through our valued partnership arrangement with an insurance brokerage firm. With access to a range of different insurance opportunities, we offer free consultations and are happy to discuss price and cover options. We add value in providing a second opinion or comparison with your existing home or business insurance requirements.
We understand the frustrations faced by developers and our team is experienced in securing the following funding options:
Whether you are a first homebuyer or seasoned investor, Steller Home Loans are committed to facilitating the right loan to meet your requirements. Along with providing competitive interest rates, unlimited additional deposits and redraw facilities, we provide exceptional customer service for the life of your loan.
Our industry leading customer service is what sets us apart from other loan providers. Our commitment to you, our clients:
Our dedicated in-house team are ready to answer your questions. Qualified and fully compliant, you can feel confident that you are in safe hands and we will find the loan that's right for you.
Steller Home loans were amazing from start to finish. We didn't know where to start when it came to buying our first home, but Reece and the team made the entire process a breeze.
They are extremely knowledgeable and friendly and were always there to answer our questions. Communication was great from the first meeting right through to settlement.
Buying our first home was a stress free process and we have Steller Home Loans to thank for that. We would highly recommend Steller Home loans to our family and friends. - NATALIE
Thank you so much for all your help with the sale and the purchasing of my new home. Reece was professional and extremely friendly. He was so helpful and prompt with all of his communications, explaining everything in terms we could understand. Nothing was ever a problem. I would highly recommend your services. Thanks so much for your caring and understanding yet professional approach. - PETER
Thanks so much to Reece and the team at steller home loans for refinancing our loan on our investment property. Reece was able to get us a lower rate that was only available to brokers . Great service and would highly recommend to anyone. - CHRISTINE
Alex and I would express our deep gratitude for your help and patience all along the way, especially because this is our first time to buy a property on our own and we've bothered you with a lot of questions. Without you, we would not be able to go through all the loan application processes and solve the issues encountered smoothly. We'd definitely recommend Nathan and Steller Home loans to our friends. - SHUTING
If, for any reason, you are concerned with the level of service provided by the Steller Home Loans team we encourage you to share this with us. Please contact Director Reece Droscher on email@example.com or 1300 689 962.
We hope that you will be satisfied with how we deal with your complaint. Ultimately, should you wish to have your complaint heard by an independent party please contact Credit and Investments Ombudsman (CIO) on 1800 138 422.