Whether you’re buying your first home, upgrading, investing in property, refinancing, or renovating, Starkast Financial can help you save money, time, and stress by finding the right loan for your situation.

Our experts are here to provide strategic advice, outstanding service, and access to over 40 lenders — ensuring you get the best possible loan package.

Variable Rate Home Loan

A variable rate loan offers flexibility but comes with less certainty. Your interest rate may rise or fall depending on market conditions and changes to the Reserve Bank’s official cash rate.

• ✅ Pros: Potential to pay off your loan faster when rates drop

• ⚠️ Cons: Repayments may increase if interest rates rise

This option may suit borrowers who want flexibility and are comfortable with changing repayments.

Fixed Rate Home Loan

A fixed rate loan provides the certainty of knowing exactly what your repayments will be for a set period — typically between 1 and 5 years.

• ✅ Pros: Stable, predictable repayments

• ⚠️ Cons: May include break fees for early repayment, and higher costs if interest rates fall

This loan is ideal for those who value financial stability and want to plan ahead with confidence.

Split Rate Home Loan

A split loan combines both variable and fixed rate features. You choose how much of the loan is fixed and how much remains variable — e.g., 60/40 or 50/50.

• ✅ Pros: Combines flexibility and repayment certainty

• ⚠️ Cons: May still involve some complexity in managing repayments

Split loans are a great choice for borrowers wanting the best of both worlds.

Low Doc Home Loans (Self-Declared Income)

Low Doc loans are designed for self-employed borrowers, freelancers, or contractors who may not have traditional income documentation.

• ✅ Pros: Faster approval, flexible income declaration, access to lending even with irregular income

• ⚠️ Cons: May come with higher interest rates or require a larger deposit

With a Low Doc loan, you can self-declare your income instead of submitting full financials, helping you access finance more quickly — whether you’re purchasing a home, investing, or upgrading.

💬 Need Help Choosing the Right Loan?

We’re here to guide you. Talk to us today for expert advice and a tailored loan strategy that fits your goals.