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.
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
Amanda assisted me in obtaining personal finance for a holiday. It was honestly such a stress-free experience that I was dreading prior to speaking with Amanda. She made everything so easy and with a quick turnaround time. I have no hesitation in recommending Amanda to everyone I know as I know they will get a friendly service with great results. Thanks to Amanda I got my holiday of a lifetime. - CAMERON
Capital home loans have granted me finance a number of times. Would definitely recommend there service. Amanda was A1 went over and above to get me finance for my car and home on time and for the right rate. I have bought a sold property several times and wish I had known about capital sooner. - THOMAS
I had the absolute pleasure of working with Amanda in September of this year to arrange finance for my new car. In every aspect of services received, Amanda went above and beyond her call of duty to ensure that I was incredibly well looked after. The way in which Amanda conducted herself was a clear representation of her passion for her work and dedication to delivering the best service for her clients. Thank you Amanda for your first class service and I look forward to working with you again in the future. - CHARLOTTE