First Home Loan

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The Perfect First Home Loan

In your pursuit of the perfect first home Loan – we’re here to guide you. The journey to finding the first home loan may seem daunting, but by working with our mortgage brokers the stress can be less. Our objective is to match you with a home loan solution that not only meets but exceeds your expectations – and keep you updated along the way. A broker is better than a bank when it comes to options and solutions as home loans are not a one size fits all.

Our brokers not only find home loan solutions to match your situation, but we educate you along the way and explain about other important things like Deposits and Deposit Bonds, to Family Pledge Loans, First Home Grants and Concessions as well as Lenders Mortgage Insurance.

How we can help

With over 25 home loan lenders to choose from – your first home loan can be tailored to meet your unique requirements
Our expert mortgage brokers will work with you to ensure you can put your best ‘credit’ foot forward.
Explore multiple options to suit you & search for the best pricing possible.
Avoid a decline by using a qualified broker as lenders can have different credit policies & pricing especially for first home buyers.
Options also available for those with Poor Credit Scores or Bad Credit

Disclaimer: All applications are subject to a client interview, verification of documents and lending criteria.

Our Clients Say

Best brokers and service!Whitestar have been so easy to deal with, they did everything for me and kept me informed along the way! Smooth and easy process from start to finish - Can’t praise them enough

Highly recommend WhiteStar! Other brokers couldn't find many options for us but from the minute we spoke to WhiteStar, we were told that there would definitely be a great product that suited our needs. We can not fault them at all. From Kelly, to Marina, to Kat, to Liz in conveyancing - they have all provided the most brilliant service for us and we couldn't be happier.

Maria was sensational. Wealth of knowledge and understood my needs. the addition of Katerina made the process even smoother. from the beginning to the unconditional approval the communication was excellent

WhiteStar was an amazing support for us in securing our first home. Marina and Liz were there for us the whole way through and we could trust in their flexibility and knowledge to answer just about any question we had. They came highly recommended to us and we will certainly recommend their services to anyone looking to do anything in relation to their mortgage

Maria at Whitestar turned out to be our saviour! We were able to get our mortgage refinanced when all other banks had turned us down. Maria guided us at every step in getting our loan application approved and was extremely helpful and kind.

Helped me achieve success even in unfavourable circumstances! The Team was super friendly and helpful 😁 Whitestar were fundamental in helping me navigate the Loans Process and provided me with extremely Successful conveyancing and follow up assistance!

I highly recommend WhiteStar for their exceptional service and knowledge in the industry. Shout out to both my mortgage broker, Maria and Liz my conveyancer for being there the whole way and helping me get my house!

We dealt with WhiteStar for the loan and conveyancing on our house. Kelly, Liz & Katerina were beyond amazing to deal with. Each of them were so friendly, quick to respond to any queries we had, and broke down the technical jargon into language we could understand. They made everything so easy. We'd use them again in a heartbeat

Liz helped us buy and sell our investment property. Everything went smoothly and her professionalism was outstanding. If we do buy again, I will be using her as my Conveyancer

My experience was excellent Kelly was very efficient, her work is outstanding she was also very easy to talk to and always kept me updated I would highly recommend Kelly to family and friends Thanks Kelly very happy customer Carmel

The miracle mortgage – Before we use Whitestar, we went to our bank and three mortgage brokers and they couldn’t help us, they went out of their way to find us the best deal and the exact money we needed to borrow to get the property we appreciate their hard work and dedication

This is our second time using white star, in particular Maria & Kat for our home loan I cannot rate them highly enough Their product knowledge and ability to explain it thoroughly is fantastic and their personal attention and care has been a breath of fresh air Everything has been fully transparent the whole time and the process has been so easy I will use them again 100%

Both myself and my partner were assisted by Kellie at Whitestar. What a positive experience we both had, Kellie kept us fully informed and up to date at all times and a huge thanks to Kellie and the team as we are now both settled in our beautiful home

Max was Marvellous he went above and beyond to help me get a personal loan It wasn’t a easy process as with multiple home loans and out going But he made it work. Thanks Max and Whitestar you always helps us with impossible Situation

helped me achieve success even in unfavourable circumstances! The Team was super friendly and helpful 😁 Whitestar were fundamental in helping me navigate the Loans Process and provided me with extremely Successful conveyancing and follow up assistance!

We highly recommend Maria and Katarina who were outstanding in the friendly and professional service they provided from beginning to end and even now continue to offer assistance in any way they can. Thank you Whitestar!

Service was excellent, couldn't of hoped for more.

This is the second time I have used Liz of WhiteStar for my conveyancing needs. As previously, she has done a magnificent job for me. She is highly efficient, communicates well with updates and explanations where required, and is always friendly and accommodating. And she knows her stuff! I highly recommend her to anyone who is undertaking a property purchase and/or sale.

Above and beyond. The team have always been a pleasure to speak to. Clear understanding of what the process would take. We thank you and highly recommend WhiteStar Group.

Worth every cent!We were very happy with Liz, our Conveyancer. She was knowledgeable, highly responsive and on the ball at all stages, which made the process of buying our property super smooth and effortless (as much as buying a property can be). I can confidently recommend Liz (& Whitestar) to anyone looking for a good conveyancer who knows their stuff, she's worth every cent for the peace of mind!

The perfect support! – My partner and I are first home buyers and knew next to nothing about the process. Dealing with WhiteStar, specifically Marina and Liz, made an otherwise quite stressful process easy to understand and manage. We feel very happy with the loan and bank we went with and were able to raise any questions at just about any day or time.

Great team – Couldn’t be happier with the outcome we had when using the team at white star. As first home buyers, Maria was great at knowing exactly what we could do and how to get it. The whole team was great at answering any questions we had and made the whole process smooth

We had a great experience working with Whitestar team member 'Maria' as she was always very helpful, approachable and undertook the task and completed as informed in a timely manner. Thank you !Thanks everyone 5 stars. I am stoked with my new home.

Best staff! Great staff and communication from the beginning right through to the end. They went the extra mile for sure to get our purchased settled.

The team at Whitestar are incredible, efficient, proactive and informative. Thank you Kelly Flight, Elizabeth Alexander and Katerina Szabo an absolute pleasure doing business with you.

We've used the services of Whitestar Finance & Conveyancing for 10+ years, and can't fault any of the team. They are always willing to go the extra mile to help their clients, are always super responsive and knowledgeable in their field. Liz is fantastic and we highly recommend this team of professionals for any of your finance or conveyancing needs.

The process was very easy .Kelly was a great help during the whole process and taking time to explain and listen to what I needed. I would HIGHLY HIGHLY recommend anyone to work with Kelly and anyone at WhiteStar Conveyancing ,great company to work with .I work with them already nearly 20 years now .

I recently worked with a broker to secure a loan increase, and the whole process was incredibly smooth. They handled everything quickly and professionally. Communication was clear, fast and efficient and I felt supported every step of the way. Highly recommend!

Refinancing our homeloan – The whole process has been really good, very efficient and it looks like we'll be done within 3x weeks. My Wife & are both very impressed by the service

Thoroughly recommend Whitestar & in particular Kelly. The whole process of refinancing our home loan was easy from start to finish. Kelly gave great advice & fully informed us of all options allowing us to choose the best loan available with the best rate. We were kept informed throughout the whole process & was very happy with how quickly the loan was arranged & approved. Thanks Kelly & Whitestar

From the start Marina, Maria and Katerina were amazing with their help and guidance in getting us finance for our new warehouse. They were there when we need them to answer all our questions, they were able to obtain great deals on our finances, when the traditional banks let us down and there was no question that was too silly to ask. Highly recommend them and the team at Whitestar Finance for any services you are looking for. Thanks everyone 5 stars. I am stoked with my new home.

I can’t speak highly enough of the level of service, attention to detail and commitment from Maria and WhiteStar team in assisting me in obtaining loan approval from my preferred lender, all at a very competitive rate and under pressing circumstances! They were fully invested in ensuring I achieved my goal and secured my dream property. Thank you Maria, Katerina and the team!

Once again Kelly F has above and beyond, the whole process was smooth and very fast, she was as always, honest and transparent in how she operates, she was able to allow us to consolidate with a much better rate with savings of over $12000 a year. We would highly recommend her along with Whitestar to anyone.

Thankyou Max and team. The experience and service could not have been better. The ease of this purchase and the comunication you gave us was sensational. Anyone looking for a commercial car loan just call them. Thanks again Max. Many many thanks from one very very grateful and satisfied customer.

Home loan and new construction – The team at whitestar are incredible, efficient, proactive and informative. Thank you Kelly Flight, Elizabeth Alexander and Katerina Szabo an absolute pleasure doing business with you. Kindest regards Kirsty & Paul

How much can you afford

What is a variable rate home loan?

A Variable rate home loans is when the rate can move up and down. This can fluctuate over time.

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What is a fixed rate home loan?

Fixed rate home loans are structured so that for a fixed period of time (often the first 1 to 5 years) the interest rate does not change, regardless of the variable interest rate fluctuations, therefore monthly repayments are the same.

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What is a split home loan?

Split home loans allow you the best of both worlds; your loan amount can be split into portions which can be a combination of fixed and variable.

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What are interest only home loans?

Interest-only home loans only require interest repayments, therefore, the repayments are lower. Traditionally, interest-only loans are often used by investors for investment property loans. The term of interest only is typically 1-5 years.

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What is LMI?

LMI is Lenders Mortgage Insurance. This is an insurance premium for loans typically over 80% of the value of the home. This is insurance to protect the lender. This can change from lender to lender and the criteria is normally slightly stricter.

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What is a Deposit Bond?

A Deposit Bond is a Bond that buyers can apply for to replace the normal cash deposit required when buying a property. There are terms and conditions and fees associated with obtaining a deposit bond.

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What is a Family Pledge Loan or Family Guarantee Loan?

These loans are not available with most lenders and they have their own credit requirements. This is where a family member (typically parents) can offer some of their own equity to secure a property purchase instead of cash deposit. A second mortgage is placed on to the family members house to the value of the guarantee amount. The Family Members are not used to service the loan with income and they are not a co borrower.

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The Perfect First Home Loan

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