Unlike going directly to a bank, we compare multiple lenders and tailor a solution to suit you.

With over 30 years’ experience, we specialise in both straightforward and more complex scenarios — often finding solutions where others can’t.

As mortgage brokers, we’re also bound by Best Interests Duty, meaning we’re legally required to act in your best interests — not the lender’s.

We can review your options (including your credit file) without leaving multiple enquiry marks that may impact your score, so you can explore what’s possible with confidence.

With strong reviews, real client results, and conveyancing support in Victoria, we’re here to guide you from start to finish.

Read our Reviews and Case Studies to know more

If you’re self-employed and having trouble proving your income, it’s still worth exploring your options  with a mortgage broker before applying. Many lenders assess income differently, and some offer alternative income options with more flexible documentation requirements.

Rather than applying directly and risking a decline, it’s best to speak with a broker first. At WhiteStar, we’ll guide you on what paperwork may be accepted by different lenders and help you understand your options before you apply.  If you are about to lodge your tax returns, it can be a good idea to wait and speak to a broker before they are lodged. 

Self Employed Home Loan Case Study

Yes, a home loan is often still possible after missed repayments. Some lenders offering bad credit home loan solutions or poor credit options will look at your current position and ability to meet repayments moving forward. Also the story and events behind these arrears are also important for finding what options are available.  Our Home Loan Brokers often look deeper and try to get an everyday home loan solution if we can. Its important to understand your options before the arrears grow.  We always recommend in times of financial pressure to pay the mortgage first.  Ideally come to an experienced broker to not end up Trapped with finances you cannot manage as soon as possible.

 Great Case Study

Nearly 77% of home loans in Australia are arranged through mortgage brokers — because they offer a wider, more tailored range of options.

A broker compares multiple lenders (not just one bank), helping you find the right fit — especially if you have a poor credit score or need bad credit options.

We also follow Best Interests Duty (BID), meaning we must act in your best interests, and we can assess your options without leaving multiple credit enquiries on your file, which can impact your score.

Read some of Our Reviews Here

Yes — many people use equity in their home as a deposit, meaning you may not need cash savings.

Rental income can help with repayments, and there may be tax benefits, but it’s important to ensure the strategy suits your situation and risk comfort.

Lenders assess investment income and expenses differently, which can impact borrowing capacity — so working with a broker helps ensure the loan is structured correctly for you.

You’ll still need to service the loan based on your income and commitments.

Yes — refinancing can reduce repayments by securing a lower rate, restructuring your loan, or consolidating debts.

We help clients with this every day and have many case studies where repayments have reduced significantly.

Where possible, we aim to maintain your loan term, but sometimes extending it forms part of the solution. The key is ensuring the refinance genuinely improves your position.

Read a Case Study Here

Many Australians choose a Self Managed Super Fund (SMSF) to gain greater control and transparency over their retirement savings.

Following recent Government changes, new borrowing through an SMSF to purchase residential property is no longer available. However, eligible investors may still be able to purchase commercial property through an SMSF, and refinancing of existing SMSF loans may also be available.

SMSF lending remains highly regulated. Generally, you’ll need:

• A sufficient super balance (often $200,000–$300,000+ as a guide).
• The ability to service the loan through rental income and super contributions.
• The correct SMSF and bare trust structure established before purchasing commercial property.

Not every SMSF will qualify, and lender policies and borrowing requirements vary.

It’s important to speak with a broker early to understand your options before spending money on advice or setting up structures. An early conversation can help you determine what’s possible and avoid unnecessary costs

SMSF loans are structured differently from standard home loans. Where borrowing is permitted, the property is typically held in a separate (bare) trust, and lending options are more limited than traditional lending.

From June 2026, borrowing through a Self Managed Super Fund (SMSF) to purchase residential property is no longer permitted. However, you may still purchase residential property within your SMSF using available fund balances without borrowing, subject to superannuation laws and your fund’s investment strategy.

Borrowing may still be available for eligible commercial property purchases through an SMSF, and refinancing of existing SMSF loans may also be available, subject to lender criteria.

If you’re considering purchasing commercial property through your SMSF, refinancing an existing SMSF loan, or would like to understand what the new rules mean for your circumstances, the team at WhiteStar Finance & Conveyancing can help explain the lending process, borrowing criteria and finance options.

While we can guide you through the finance aspects, we cannot provide legal, taxation or financial advice. We recommend seeking advice from your accountant or licensed financial adviser to determine whether an SMSF investment strategy is appropriate for your individual circumstances.

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Yes in many cases you can get a home loan with Bad Credit.  Options are very much dependent on the situation and financials.

You Might Have More Options Than You Think

Many people come to WhiteStar thinking they need a bad credit home loan and that their options are limited.

In many cases, once we understand the full background, we’re able to help secure a standard home loan — simply by matching the right lender and approach to the situation.

Just because your credit score is low doesn’t always mean you’re out of options.

See some of Our Case Studies