From first homes to commercial portfolios — Starshine Finance connects you with 30+ lenders and loan strategies built around your goals.
Illustration only. Not a quote, approval or offer of finance.
Different products matched to where you are and where you're headed.
First home, next home, or investment. Structured around your circumstances, not just your credit score.
Learn more →Review your current loan, compare available options, and restructure it as your circumstances change.
Learn more →Funding released progressively in line with your builder's milestones, with interest only on funds drawn.
Learn more →Limited recourse borrowing through your self-managed super fund, arranged alongside your adviser.
Learn more →Temporary finance to help manage the gap between buying your next property and selling your current one.
Learn more →Finance for commercial property, asset acquisition, equipment and working capital requirements.
Learn more →Independent advice from a trusted finance expert with 30+ lenders — our obligation is to what's right for you, not the easiest sale.
From first call to final settlement — we handle every step.
15 minutes to understand your goals, situation, and timeline. Free, no commitment.
We search 30+ banks and specialists and present your best options with clear comparisons.
We prepare your application and manage the lender through assessment and approval.
We coordinate with your solicitor, agent, and lender to get you to the finish line.
Access to Australia's major banks and specialist lenders — so we find the right fit, not just the easy one.
Connective Excellence 2024
ANZ Excellence 2025
Bank of China 2025 Best Broker Partnership
CBA Elite Broker 2026/27
First home buyer, upgrader, downsizer, or growing a portfolio — we have the experience and lender access to get it right.
Published on our Google Business Profile and reproduced here unedited, with reviewers shown as they appear on Google.
Have been with Christine for many years for our loans across multiple properties and her services and professionalism exceeds all our expectations. Have since referred some friends to her and she ensured outstanding outcomes for them as always. Highly recommended if you are looking for a reliable, trustworthy, knowledgeable and professional ally for your home/property finances.
I knew Christine since 2017 she was referred to me by friend. She helped us with purchasing my first house. Couples years ago we planned to change house, Christine helped us apply bridging loan. The whole process is very smooth though initially we have no idea of bridging loan. Christine is very patient, knowledgeable, experienced and diligent broker. She always answers my questions and find the solution promptly. Highly recommended!
We have been clients with Christine for many years. She has helped us secure multiple loans including new purchases as well as refinances. Christine is so professional and can always help us find the best product that suits our needs. We've recommended her to many of our friends!
I had an amazing experience working with Christine. She took the time to understand my needs and situation, explained everything clearly, and found the most suitable home loan to me. She was incredibly knowledgeable, professional, and supportive and made the entire loan process like a breeze.
I'm very happy with the service from my broker. They were extremely reliable and always quick to respond whenever I had questions or needed help. I felt well supported at every step, and nothing was ever too much trouble. Thank you for your dedication and excellent service!
Thanks to Christine Dong! She is always responsive, helpful and efficient. From my home loan to refinancing, she guided me through everything smoothly. Very professional and experienced.
Reviews are the opinions of the individuals who wrote them and describe those clients' own experiences. They are not a promise of any particular outcome, loan approval or interest rate. Your circumstances will differ.
Contact us — a free 15-minute chat. No obligation, no jargon — just straight answers from a trusted finance expert.
Over 10 years of experience making finance clear, simple and personal — whatever stage you are at.
We’re an award-winning finance brokerage with over 10 years of industry experience, helping clients navigate their finance journey with confidence.
With access to a broad panel of lenders and extensive industry knowledge, we provide personalised finance solutions for home buyers, investors and businesses. Whether you’re buying your first home, refinancing, investing or growing your business, we take the time to understand your goals and explain your options clearly.
We believe great service starts with listening. With honesty, transparency and genuine care, we’re here to help you make informed finance decisions and build a long-term relationship you can trust.
Our team brings deep expertise across every loan type — with a shared commitment to getting every client the right outcome.
Helps first-time buyers into the market — government scheme eligibility, low-deposit solutions, and guarantor loans.
10+ years across residential, construction, and commercial lending. Award-winning status with multiple lenders.
Expert guidance for SMSF, commercial, and investment property lending, helping you navigate complex lending requirements with confidence.
We disclose our commission structure upfront, so you always know how we are paid and why we recommend it.
We are not aligned to any single bank, so our only obligation is finding the loan that genuinely suits you.
We do not disappear after settlement. Annual reviews and proactive rate checks are part of what we deliver.
Experienced brokers, wide lender access, and a straightforward process from first call to settlement.
FBAA-accredited brokers with experience across banking, residential and commercial finance.
Access to 30+ bank and non-bank lenders, so we can find a suitable option for loans of any size.
Clear guidance at every stage, designed to save you time and take the pressure off the process.
Honest advice you can rely on, with your goals guiding every recommendation that we make.
Prompt, reliable service and a forward-thinking approach that supports your long-term goals.
Recognised across the industry by Connective, ANZ, Bank of China and CBA over recent years.
Connective Excellence 2024
ANZ Excellence 2025
Bank of China 2025 Best Broker Partnership
CBA Elite Broker 2026/27
Contact us — no obligation, straight answers.
First home, upgrade or investment — finance structured around your circumstances.
Illustration only. Not a quote, approval or offer of finance.
Guidance on the Home Guarantee Scheme, First Home Owner Grant and stamp duty concessions.
Find a loan that suits you, with fixed, variable, split, offset and redraw options.
Finance for investment properties, including interest-only loans and equity release.
Low-deposit options, including LMI waivers for eligible medical, legal and accounting roles.
Use a family guarantee to reduce your deposit or increase your borrowing capacity.
Know your borrowing capacity before you start looking, so you can make an offer with confidence.
Buying your first home is a significant milestone. Depending on your circumstances and eligibility, you may be able to access government support programs to help with your purchase.
Eligible buyers may be able to purchase with a lower deposit and avoid Lenders Mortgage Insurance (LMI). Eligibility criteria, property price caps and scheme conditions apply.
Eligible first home buyers may qualify for a government grant when purchasing or building a new home. Requirements and grant amounts vary by state and territory.
Eligible buyers may receive stamp duty exemptions or concessions, subject to location, property value and eligibility requirements.
How we can help: We can help you understand your options and guide you through the home loan process from initial assessment to settlement.
To help us assess your application efficiently, please prepare the following documents where applicable.
Need help? Every application is unique. Contact us for a personalised document checklist based on your circumstances.
Property investment is a significant financial decision. We can help you understand your lending options and explore finance solutions that may support your investment plans.
Rental income may help contribute towards loan repayments and property expenses, depending on the property and market conditions.
Property values may increase or decrease over time. Future performance is not guaranteed.
Your accountant or tax adviser can explain how an investment property affects your position. We arrange the finance; we do not provide tax advice.
Consider loan repayments, maintenance, rates, insurance and other property-related expenses.
Disclaimer: This information is general in nature and does not consider your objectives, financial situation or needs. We provide lending assistance only and do not provide financial, investment or tax advice. Consider obtaining independent professional advice before making decisions.
An initial consultation to understand your objectives, income and timeframe.
We assess your borrowing capacity across our panel, so your planning uses real figures.
We arrange pre-approval, confirming how much you can borrow before you start looking.
You make an offer by private sale or at auction, with your finances already in place.
The agent issues the contract of sale for your conveyancer to review before it binds.
We obtain formal approval, then you sign the documents for the balance of the price.
Your lender will require building insurance before settlement, and we let you know early.
You inspect the property before settlement to confirm its condition and inclusions.
The lender releases the funds, completion is confirmed, and the keys are yours.
Speak with a trusted finance expert — free, no obligation.
Review your current loan, compare available options, and restructure it as your circumstances change.
Illustration only. Not a quote, approval or offer of finance.
Refinancing involves replacing your existing home loan with a new loan. Depending on your circumstances, it may help you access different loan features, restructure your lending, or review your current loan arrangements.
A new rate, structure or loan term may change your repayment. Weigh the overall costs before refinancing.
Eligible debts such as credit cards may be combined into your home loan, which can simplify repayments.
Compare your current loan against available options, including rates, fees, features and any offers.
Refinancing may give you access to offset accounts, redraw facilities or different repayment options.
Equity built in your property may allow access to additional funds, subject to lender assessment.
Adding or removing someone from a title may require refinancing to match the new ownership.
Need a refinance review? Our team can help you understand your options and compare loan solutions based on your individual circumstances.
Refinancing costs vary depending on your current lender and the new loan you choose. Common costs may include:
In some cases, lenders may offer cashback or refinance promotions to help offset these costs. Before you refinance, we will provide a clear breakdown of any applicable fees and help you determine whether refinancing is the right option for your circumstances.
We review your current loan, your financial goals and your reasons for considering a refinance.
We review your circumstances and compare suitable refinance options from available lenders.
We explain the available options, including rates, loan features, costs and the key differences.
We prepare your application, organise the supporting documents and submit everything to the lender.
We manage the process with the lender and coordinate the transition to your new loan.
After settlement we continue to review your lending as your financial circumstances change.
Disclaimer: This information is general in nature and does not take into account your objectives, financial situation or needs. Consider seeking independent financial, legal or tax advice before making decisions.
Speak with a trusted finance expert — free, no obligation.
Funding released progressively in line with your builder's milestones, with interest only on funds drawn.
Illustration only. Not a quote, approval or offer of finance.
Unlike a standard home loan, a construction loan usually provides funds progressively as your home is built. This means you generally only pay interest on the amount drawn during the construction period.
Your lender assesses the land value, building contract, plans, costs and your financial position.
The lender assesses the expected value of the property once finished, to help determine suitable lending.
Funds are released in stages as construction progresses, rather than as one lump sum at the start.
Once complete, your loan continues under the agreed structure, principal and interest or interest only.
Key point: During construction, interest is generally calculated on the amount drawn rather than the total approved loan amount. For example, a $600,000 construction loan with $200,000 drawn would generally incur interest on the $200,000 released, subject to your lender’s terms and conditions.
When building a new home, your lender typically releases construction loan funds progressively as each stage is completed and approved.
The land is cleared, levelled and prepared for construction.
Footings are completed and the concrete slab is poured.
The home's frame and roof structure are installed.
External walls, windows and doors are completed.
Internal works are completed, including flooring, cabinetry, plumbing and electrical.
Final inspections are completed and the property is ready for handover.
During construction, interest is generally charged on the amount drawn from the loan rather than the full approved amount. As additional progress payments are made, your repayment amount may increase. After construction is complete, repayments will depend on your loan structure and lender terms.
We discuss your building plans, budget and finance options to understand what may suit your circumstances.
We help assess your borrowing capacity and explore suitable construction loan options before you commit.
Once your plans, contract and documents are ready, we help submit your construction loan application.
Your lender typically makes progress payments as each construction stage is completed and approved.
We help monitor the loan process while your builder completes each stage of the construction.
After final inspections you receive the keys, and your loan moves to the next stage under your terms.
Disclaimer: This information is general in nature and does not take into account your personal objectives, financial situation or needs. Construction loan approval, valuation requirements, progress payment schedules and loan terms vary between lenders. Consider obtaining professional advice before making financial decisions.
Speak with a trusted finance expert — free, no obligation.
Finance for funds that have already taken advice. We arrange the loan; your advisers handle the rest.
Illustration only. Not a quote, approval or offer of finance.
Our role is the loan, and only the loan. We arrange credit. We do not advise on whether a self-managed super fund suits you, whether your fund should buy property, or how it should invest. Those decisions belong to your accountant, licensed financial adviser and legal professional. Come to us once they have advised you.
Source and arrange limited recourse borrowing from lenders that accept SMSF applications, and manage the paperwork through to settlement.
Advise on setting up a fund, on investment strategy, on contributions, or on whether borrowing inside super is appropriate for you.
Background on how SMSF lending is generally structured in Australia. This is not a recommendation, and the arrangement that applies to your fund is determined by your advisers and the lender.
Under an LRBA the lender's recourse is limited to the asset purchased. Terms vary between lenders.
Lenders generally require the property to be held in a separate trust while the loan is on foot.
Lenders set their own rules on fund balance, liquidity, property type and who may occupy it.
SMSF applications are assessed differently from standard loans and usually take longer.
Arranging finance for an eligible fund that has already decided, on advice, to purchase.
Reviewing an existing arrangement against what lenders currently offer.
Fewer lenders write SMSF loans. We can tell you which currently do and what each requires.
Your accountant, adviser and lawyer decide whether the fund borrows, and set the structure.
With that advice in hand, we identify which lenders will currently consider the fund.
We test the fund and the property against each lender's published SMSF criteria.
We prepare and submit the application with the documents that lender requires.
The lender assesses the fund, the trustees and the property, then makes its decision.
Your legal professional settles. Ongoing fund compliance stays with your advisers.
Important: SMSF lending involves complex legal, tax and superannuation considerations. We recommend obtaining advice from qualified professionals, including a licensed financial adviser and accountant, before making any decisions. This information is general in nature and does not take into account your objectives, financial situation or needs. SMSF rules, lender policies and government regulations may change.
Already taken advice? Talk to us about the finance — free, no obligation.
Temporary finance to help manage the gap between buying your next property and selling your current one.
Illustration only. Not a quote, approval or offer of finance.
A bridging loan is a short-term finance solution that may help you purchase a new property before selling your existing one. It can provide temporary funding to help manage the transition between properties, subject to lender requirements and your circumstances.
The highest loan balance while you temporarily own both properties.
The remaining loan balance after your existing property is sold.
Bridging loans are generally designed for short-term use, with many lenders offering terms of around 6 to 12 months, depending on the lender and your circumstances.
Like any lending solution, it is important to understand both the benefits and the considerations before proceeding.
A bridging loan may let you buy your next property before the current one sells.
Equity in your current property may count toward the arrangement, depending on the lender.
Designed for temporary use, with many lenders offering terms of around 6 to 12 months.
Interest may be paid during the bridging period or added to the balance, depending on the lender.
Bridging loans may have higher interest rates, fees and costs compared with standard home loans.
If your existing property takes longer to sell, additional costs and repayment commitments may apply.
Lenders assess factors such as your equity position, income, expenses, property values and ability to meet repayment obligations.
A clear exit strategy, such as the sale of your existing property or refinancing, is an important part of a bridging loan assessment.
We review your goals, current property position, planned purchase and expected sale timeline.
We assess your income, existing debts, equity position and overall lending requirements.
We compare available bridging structures, repayment arrangements and lender requirements.
Your application is submitted and the lender reviews your position, property details and documents.
Once approved, the bridging loan is established to help complete your new property purchase.
After your existing property sells, the bridging loan is reduced or repaid as agreed.
Disclaimer: This information is general in nature and does not take into account your objectives, financial situation or needs. Bridging loans are subject to lender approval, lending criteria, costs and risks. Loan terms, repayment arrangements and requirements vary between lenders. Consider obtaining professional advice before making financial decisions.
Speak with a trusted finance expert — free, no obligation.
Finance for commercial property, asset acquisition, equipment and working capital requirements.
Illustration only. Not a quote, approval or offer of finance.
Whether you are purchasing a commercial property, growing your business or reviewing existing finance, we can help you explore suitable lending options.
Finance solutions for purchasing, refinancing or restructuring commercial properties, including offices, retail, industrial and other commercial assets.
Funding solutions to support business growth, working capital needs, equipment purchases and other business requirements.
Review your existing commercial loans and explore options that may better suit your current circumstances, including loan structure, features and lender requirements.
Finance options for eligible Self-Managed Super Funds looking to purchase commercial property, subject to superannuation rules and eligibility criteria.
Funding options for business vehicles, machinery, equipment and other commercial assets.
How we can help: We work with you to understand your business objectives, assess your finance needs and compare suitable lending options from available lenders.
Commercial finance may help businesses and investors access funding solutions to support their property and business goals.
Access funding for business expansion, commercial property purchases, equipment or other business needs.
Preserve available funds while spreading the cost of business investments over time.
Explore finance options for purchasing, refinancing or restructuring commercial assets.
Loan structures can be tailored to different business needs, subject to lender requirements.
Depending on the loan type and lender requirements, you may need the following.
We learn about your business, your finance objectives and your funding requirements.
We assess your income, business performance, existing commitments and lending needs.
We compare suitable commercial lending options based on your circumstances and available lenders.
We help organise the supporting documents and submit your application to the selected lender.
The lender reviews your application, financial information, security and lending requirements.
Once approved we assist through settlement and remain available as your business evolves.
Important considerations: Commercial lending involves different risks and requirements compared with residential lending. Approval depends on factors including your financial position, business performance, security and lender criteria. This information is general in nature and does not take into account your objectives, financial situation or needs.
Speak with a trusted finance expert — free, no obligation.
A fixed rate secures your interest for a set term, giving you repayment certainty.
What fixing means for your repayments, and what to check before you commit.
A fixed rate home loan has an interest rate that is fixed for an agreed period, commonly between 1 and 5 years, depending on the lender.
During the fixed-rate period, your interest rate remains the same. For principal and interest loans, scheduled repayments are generally consistent unless changes are made to the loan in accordance with the lender’s terms and conditions.
At the end of the fixed-rate period, the loan will generally revert to the lender’s applicable variable interest rate unless another available option is selected, subject to lender requirements.
Important: Terms, conditions, fees, eligibility criteria and available fixed-rate periods vary between lenders.
Budget confidently — you know exactly what you'll pay each month.
If the RBA lifts rates, you're insulated for the fixed term.
Especially useful for tight cashflow or new homeowners.
Break cost example: Fixed at 6.5% for 5 years, rates drop to 5% after year 2 — the break fee on a $500k loan could be $15,000–$30,000.
A rate lock allows eligible borrowers to secure the fixed interest rate offered on an eligible fixed-rate home loan before settlement. This may help provide certainty if fixed interest rates change while the loan is being processed.
A rate lock fee may apply. Fees vary between lenders and loan products.
Rate lock is generally available on eligible fixed-rate home loans. Eligibility, availability and lender requirements vary.
A rate lock usually applies for a limited period (commonly up to 90 days), although the applicable period varies by lender. If settlement is delayed, some lenders may offer an extension, subject to their policy and any applicable fee.
A rate lock may suit borrowers with a longer settlement period who would like greater certainty about their fixed interest rate before settlement.
Important information: A rate lock applies only before settlement and only to eligible fixed-rate home loans. It does not guarantee loan approval, settlement, or the availability of any particular loan product. Terms, conditions, fees, eligibility criteria and availability vary between lenders.
Speak with a trusted finance expert — free, no obligation.
Rates that move with the market, often with offset accounts and redraw available.
How offset accounts, redraw and rate movements affect what you actually pay.
A variable rate loan has an interest rate that may change during the life of the loan based on the lender’s pricing decisions. Changes to the interest rate may affect your repayments and the total interest payable.
Unlike a fixed rate loan, a variable rate loan does not lock in the interest rate for a set period. Depending on the lender and loan product, it may offer features such as offset accounts, redraw facilities and flexible repayment options.
Make additional repayments to help reduce your loan balance sooner, subject to lender requirements.
Eligible variable rate loans may offer offset accounts to help reduce the interest charged on your loan while keeping your savings accessible.
Access eligible additional repayments made to your loan when needed, subject to lender policies and conditions.
Variable rate loans may offer flexibility to manage repayments and loan features, depending on the lender and product.
Depending on the lender and product, variable loans may include features such as split loan options, loan portability or flexible repayment structures.
A lower-cost option with fewer features. It usually has no offset account, though redraw and extra repayments may be available depending on the lender.
A fuller option that may include an offset account, redraw facility and flexible repayments, depending on the lender. Fees may apply.
A redraw facility allows you to access eligible additional repayments made above your minimum required repayments.
An offset account is a transaction account linked to your eligible home loan. The balance in the account is used to reduce the loan balance on which interest is calculated.
Some offset accounts may be available as part of a package loan or may involve monthly or annual fees. Consider whether the potential interest savings outweigh the costs involved.
For investment properties, the use of an offset account may affect the calculation of deductible interest depending on your circumstances. Keeping personal and investment funds separate and seeking advice from your accountant may help you understand the potential tax implications.
Because variable interest rates may change over time, your repayments and the total interest payable may increase or decrease during the life of the loan.
Speak with a trusted finance expert — free, no obligation.
How you repay changes your balance, your cash flow and the interest you pay overall.
A plain comparison of principal and interest against interest only.
Most home loans offer two repayment types. Each works differently and affects your repayments, your loan balance and the total interest payable over the life of the loan.
Each repayment covers the interest plus a portion of the loan itself, so the balance reduces over time and the loan is designed to be repaid by the end of the term.
You pay only the interest for an approved period. The balance generally stays the same, then reverts to principal and interest unless another arrangement is approved.
Each repayment helps pay down the principal, not just the interest charged.
Designed so the loan is cleared by the end of the agreed loan term.
Offered on many owner-occupied and investment home loans.
Repayments are generally lower during the interest-only period than under principal and interest.
May free up cash for other commitments or investment purposes during that period.
Interest may be deductible on investment properties depending on your circumstances. Ask your tax adviser.
Your principal generally does not reduce during the interest-only period.
Repayments usually increase once the loan switches to principal and interest.
Paying interest only for a period may mean more interest across the life of the loan.
Interest-only periods, eligibility and terms vary between lenders.
Which suits you? Principal and interest suits most owner-occupiers who want the balance going down. Interest only is usually a cash flow decision with a defined end date. We can model both against your circumstances before you commit.
Speak with a trusted finance expert — free, no obligation.
Divide your loan into portions, each with its own rate, features and repayments.
How to balance certainty and flexibility across a single loan.
A split loan allows you to divide your home loan into separate portions, so different parts of your loan can have different rates, features or repayment options. This can give you a combination of flexibility and certainty, depending on your financial goals and the options available from your lender.
For example, a split loan could include:
Combine different loan options to suit your needs, such as a fixed portion for repayment certainty and a variable portion for flexibility.
Different portions of your loan may respond differently when interest rates change.
Depending on the lender and product, variable portions may include features such as offset accounts, redraw facilities or additional repayments.
A fixed rate portion has an interest rate that is locked in for an agreed period.
A variable rate portion has an interest rate that may change based on lender pricing decisions.
The right loan structure depends on your circumstances, financial goals and preferences. We can help you compare available options and understand the features, costs and conditions that apply.
Reviewing your loan: Before a fixed rate period ends, it is important to review your options. This may include refixing, moving to a variable rate, restructuring your loan or refinancing, subject to lender requirements and applicable costs.
Speak with a trusted finance expert — free, no obligation.
LMI may apply when borrowing a higher share of a property's value. Costs vary by lender.
When it applies, what it costs, and the ways it may be avoided.
Lenders Mortgage Insurance (LMI) protects the lender, not the borrower, if a borrower defaults on their home loan and the property sale does not cover the outstanding loan.
LMI may apply when you borrow a higher percentage of the property’s value. The requirements and cost vary between lenders, loan products and individual circumstances.
Let’s say you buy a $600,000 property.
Deposit $120,000 · Loan $480,000 · LVR 80%. LMI is generally not required by many lenders, subject to lender policy.
Deposit $60,000 · Loan $540,000 · LVR 90%. LMI may apply, depending on the lender and loan product.
A smaller deposit may help you purchase sooner, but LMI can add to the cost of your loan.
There is no standard LMI premium. The cost depends on factors such as your loan amount, LVR, property value, lender and loan type. We can help you understand the potential LMI cost based on your circumstances.
Depending on your circumstances, you may have options such as:
Depending on the lender, LMI may be paid upfront or added to the loan. If LMI is added to the loan, you will borrow more and may pay additional interest over the loan term.
Example: If your loan is $540,000 and a $10,000 LMI premium is capitalised, your loan balance would become $550,000. The $10,000 figure is for illustration only — actual LMI costs vary.
LMI may allow eligible borrowers to purchase with a smaller deposit rather than waiting to save 20%. This may help you enter the property market sooner, subject to the lender’s lending criteria. We can help you understand your LMI options and compare suitable loan structures based on your circumstances.
Speak with a trusted finance expert — free, no obligation.
Estimate your stamp duty — built on current state rates across all Australian states and territories.
Based on current state and territory rates for the 2026-27 financial year. First home buyer concessions, foreign surcharges and property type all affect the actual amount payable.
Estimate only, based on current state and territory rates. Transfer and mortgage registration fees are indicative and vary by state. Confirm all figures with your conveyancer or the relevant state revenue office.
Eligible first home buyers may pay no stamp duty on homes up to $600,000, with a concession available for homes valued up to $750,000. An additional duty surcharge may apply to foreign purchasers.
Eligible first home buyers may receive a full exemption on homes up to $800,000, with a concession available for homes valued up to $1 million.
Eligible first home buyers may qualify for stamp duty concessions or exemptions, depending on the property value and whether the property is new or established.
Eligible first home buyers may qualify for a stamp duty exemption or concession, subject to the property’s value and other eligibility requirements. An additional duty surcharge may apply to foreign purchasers.
Eligible first home buyers may qualify for stamp duty relief on eligible new homes and vacant land, subject to applicable requirements.
Stamp duty generally applies to property purchases. The previous first home buyer duty exemption for established homes ended after 30 June 2026.
Eligible home buyers may qualify for a full conveyance duty exemption under the ACT Home Buyer Concession Scheme, subject to eligibility requirements.
Stamp duty generally applies, although certain exemptions and concessions may be available. Eligible first home buyers may also qualify for government assistance when buying or building a new home.
Important: Stamp duty rules, thresholds and concessions can change. Eligibility depends on your individual circumstances, including the property type, purchase price and whether you are a first home buyer. We can help you understand the potential stamp duty costs and concessions that may be available.
Get a free assessment including stamp duty, LMI, and total funds needed.
Request a free report — suburb stats, recent sales, and market trends for any Australian address.
Estimated value based on comparable properties.
Recent comparable sales in the area.
Suburb prices and recent market growth.
How quickly properties are selling.
Key local population and income insights.
Indicative rental returns and median rents.
It's our way of helping you make the best decision with real data — whether you're buying, selling, or exploring.
Fill in your details and address — we'll email your report within 1 business day.
We'll email your property report within 1 business day.
Pair your property report with a borrowing capacity assessment.
Common questions from first home buyers, refinancers, and investors — with straight answers.
Please note: The information above is general in nature and provided for reference only. It does not take into account your objectives, financial situation or needs. Lending is subject to lender criteria, terms and conditions. Product features, rates, fees and eligibility may change.
Ask us directly — we respond within one business day.
Start an enquiry for a free consultation, or just ask a question. We reply within one business day.
We’d love to hear from you. Whether you’re ready to apply or just exploring your options, there’s no obligation and no pressure — just clear answers to your questions.
Helping clients across Australia find the right finance solution.
Tell us what you need help with — we'll respond within one business day.
Clear process, no pressure, zero obligation at any step.
Usually same business day before 5pm, otherwise within one business day.
A friendly 15-min chat about your situation, goals, and timeline. No commitment.
Detailed review of your options with clear comparisons and a recommendation.
Application, approvals, settlement, and ongoing annual reviews — all handled.
Important information about us, our services, how we’re paid, and how we handle your information.
Credit Guide & Privacy Disclosure Statement — last updated July 2026
Starshine Finance Pty Ltd is licensed under the National Consumer Credit Protection Act 2009. Our licence details are:
Our broker’s priority is to you, our customer. We require our brokers to place your finance needs above those of anyone else. Our brokers are required to be transparent about products, your options, applicable fees and charges, and any conflicts of interest. They communicate in simple, easy-to-understand language, act with the highest standards of integrity, and are committed to ensuring the product selected meets your needs and is in your best interests at the time of assisting you to obtain finance.
This Credit Guide contains important information about us, the services we provide, and the activities of the credit representative operating under our credit licence. It also covers fees and charges that may be payable by you to us, commissions we may receive, commissions we may pay to third parties for the introduction of business, and what to do if you have a complaint. We provide this document as soon as practicable after it becomes apparent that we are likely to provide credit assistance to you — which is when we suggest or assist you to apply for a particular loan or an increase to an existing loan, or recommend you remain in an existing loan contract.
Before providing credit assistance, we must assess whether a particular loan is "unsuitable". A loan is unsuitable if, based on the information you provide, you would be unable to repay it (or only with substantial hardship), or it does not meet your requirements and objectives. We document our findings in a Preliminary Assessment that sets out your requirements and objectives, your financial and relevant personal situation, and your ability to repay. We also take reasonable steps to verify the information you give us, which may include requesting supporting documents and contacting third parties.
You may request a copy of your Preliminary Assessment any time for up to 7 years. If you request it before the Credit Day, we’ll provide it as soon as possible; up to 2 years after, within 7 business days; and between 2 and 7 years after, within 21 business days. The Credit Day is the date the loan is settled or increased. There is no charge for requesting or receiving a copy.
We may charge a fee for providing credit assistance. If applicable, details of any fees payable by you will be set out in a Credit Quote we give you before submitting your loan application. You may also have to pay other fees and charges (such as application fees, valuation costs and other applicable fees) to the lender or other parties — review your loan contract documentation for details.
Our aggregator receives commission from lenders and then pays us commission in relation to loan contracts. Upfront commission is paid by lenders on settled (drawn-down) loans, calculated as a percentage of the loan amount and usually paid after settlement. Trail commission is paid by lenders on settled loans, calculated monthly on the outstanding balance and paid in arrears. These commissions are paid by lenders and are not payable by you; details of commission to be received are included in the Summary of Requirements and Credit Proposal we provide when credit assistance is given. From time to time we may also receive a non-commission benefit such as training, professional development, or entry into a lender or aggregator competition, at no extra cost to you; where these are apparent as a result of assisting you, they will be disclosed.
Our aggregator — we are authorised to use credit providers and their lending products through Connective Broker Services Pty Ltd (ABN 77 161 731 111, Credit Representative 437202, under Australian Credit Licence 389328). The aggregator charges us a fee depending on our contract, consisting of a share of the lender’s commission, a membership fee, and a monthly fee for each accredited loan writer. Commissions paid by Connective’s lender panel are transparent and do not influence broker or consumer choice.
Referrers — we obtain referrals from accountants, financial planners, real estate agents and others. If you were referred to us, we may pay the referrer a commission or fee, with details included in the Summary of Requirements and Credit Proposal.
If you’re not satisfied, please tell us verbally or in writing with the details of your complaint so we can work towards a prompt, fair resolution. Complaints are handled in accordance with ASIC’s Internal Dispute Resolution requirements. You can contact our Compliance and Complaints Handling Officer on 03 9888 8516, at info@starshinefinance.com.au, or by mail at Suite 768, Level 2, UL40, 1341 Dandenong Rd, Chadstone VIC 3148.
If your concerns remain unresolved, or you have not heard from us within 30 days, you can have your complaint heard by the Australian Financial Complaints Authority (AFCA): phone 1800 931 678 (free call), email info@afca.org.au, web afca.org.au, or mail GPO Box 3, Melbourne VIC 3001. Time limits may apply, so act promptly.
We don’t provide tax, accounting, legal or financial planning advice. It’s important you understand your obligations under the loan and the financial consequences. If you have any doubts, obtain independent advice from an appropriately qualified professional before you enter any loan contract.
We are authorised to arrange loans from a panel of lenders. Our top six lenders over the last 12 months, by share of loans settled in the last completed financial year, were: ANZ (39.74%), Westpac (21.13%), Bank of China (11.85%), Bankwest (6.90%), Commonwealth Bank (6.68%) and St George Bank (6.42%). We settled loans with 12 lenders in the last completed financial year. A full list of the lenders we have access to is available at connective.com.au/lender-panel.
In handling your personal information, Starshine Finance Pty Ltd (ABN 48 622 197 442) and its representatives are committed to complying with the Privacy Act 1988 and the Australian Privacy Principles. Our brokers are authorised credit representatives of Starshine Finance Pty Ltd (ACL 539566), and "we, us, our" includes our aggregator, Connective.
We collect information about you to source consumer or commercial credit, to support a guarantor application, to source insurances you require, and as the law authorises. The personal information we collect may range from your name, address and contact details to your qualifications, employment history and financial information, and may include sensitive information where relevant to your application. If you don’t provide the information we need, we may be unable to process your application.
We may disclose your identification information to a consumer or commercial credit reporting service (where you consent), use information a reporting service provides to assess your application, disclose your information to insurers to source insurance, and disclose your information to our advisers, aggregators, licensees, credit providers and other financial intermediaries to apply for finance on your behalf. Some recipients may be based overseas, likely including the Philippines, India and Nepal.
How we protect your information — we take reasonable steps to protect your personal information from misuse, loss and unauthorised access. Access is restricted to employees whose job requires it, and our premises and systems are secured with locks, password protection and firewalls. We take reasonable steps to destroy or de-identify your information when it is no longer required.
Your rights — you can ask us to provide the information we hold about you, correct it if it’s wrong, and provide copies of our privacy policy and this document in a form that suits you. You can also ask a credit reporting service not to use your information for direct-marketing pre-screening, and to provide you with a copy of the information it holds. To access the information we hold, contact our Privacy Officer at Suite 768, Level 2, UL40, 1341 Dandenong Rd, Chadstone VIC 3148. An administration fee may apply to cover the cost of providing the information. For more on your privacy rights, visit oaic.gov.au.
Your consent — by asking us to assist, you consent to the collection, use and disclosure of the information you have provided for the purposes described above.
The consumer and commercial credit reporting services we may deal with are: Equifax (equifax.com.au, 13 83 32), Experian (experian.com.au, 1300 783 684) and illion (illion.com.au, 13 23 33).
By using our website, you agree to be bound by these Terms.
Last updated: July 2026
These Terms and Conditions ("Terms") apply to your access to and use of this website ("Website"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, you must immediately discontinue use.
These Terms and Conditions (“Terms”) apply to your use of the Starshine Finance website (“Website”). By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.
The Website is operated by Starshine Finance and provides general information about our business, finance services and related topics.
The Website is not an online loan application platform. Information provided on the Website is general in nature and does not constitute personal credit advice, financial advice, legal advice or tax advice.
In these Terms:
We aim to keep the Website available and information up to date. However, we do not guarantee that the Website will always be available, uninterrupted or error-free.
We may update, change, suspend or withdraw the Website or any Content at any time.
Information on the Website is provided for general and educational purposes only.
It does not take into account your individual objectives, financial situation or needs and should not be relied upon as personal credit, financial, legal or tax advice.
Using the Website does not create a broker-client, adviser-client or fiduciary relationship.
Before making a financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice where appropriate.
We take reasonable care when preparing information for the Website. However, information may change over time, including:
Any examples, estimates, calculators or market information are provided for general guidance only and may not reflect your actual circumstances. You should verify important information before making a financial decision.
Calculators and other tools available on the Website are intended to provide estimates only.
Results may vary depending on your individual circumstances, lender requirements, applicable rates, fees, government rules and other factors. Calculator results should not be treated as a final assessment, loan approval or financial advice.
Information on this Website does not guarantee:
All loan applications are subject to the relevant lender’s assessment criteria, policies and approval processes.
You agree to use the Website lawfully and responsibly. You must not:
Unless otherwise stated, the content and materials on this Website are owned by or licensed to Starshine Finance.
You may view, download or print material for your personal, non-commercial use. You must not reproduce, modify, distribute, publish or commercially exploit our Content without our prior written permission.
The Website may contain links or references to third-party websites, lenders, government agencies and other service providers.
These third parties operate independently from Starshine Finance. We do not control or guarantee the accuracy, completeness or availability of third-party information or websites. You should review the relevant third party’s terms and privacy policy before using their services.
We handle Personal Information in accordance with applicable Australian privacy laws and our Privacy Policy, which explains how we collect, use, store and disclose Personal Information.
We may take reasonable steps to protect the Website, our systems and users. We may monitor Website usage and restrict, suspend or terminate access where reasonably necessary, including where these Terms have been breached.
The Website and its Content are provided on an “as is” and “as available” basis to the maximum extent permitted by law.
We do not guarantee that all information will always be accurate, complete, current or suitable for your circumstances. Nothing in these Terms excludes, restricts or modifies any rights or remedies that cannot lawfully be excluded, restricted or modified, including rights under the Australian Consumer Law.
To the maximum extent permitted by law, Starshine Finance is not liable for loss or damage arising from your use of, or reliance on, the Website or its Content, including information that may be inaccurate, incomplete or out of date.
Nothing in these Terms excludes, restricts or modifies liability that cannot legally be excluded, restricted or modified.
To the extent permitted by law, you agree to indemnify Starshine Finance against reasonable claims, losses, liabilities, costs and expenses arising from your unlawful use of the Website or your breach of these Terms.
This does not apply to the extent that the relevant loss or liability was caused by our negligence, unlawful conduct or circumstances where liability cannot legally be excluded.
Notices relating to these Terms may be provided in writing by email to info@starshinefinance.com.au or by post to:
Starshine Finance
Suite 768, Level 2, UL40
1341 Dandenong Road
Chadstone VIC 3148
We may update these Terms from time to time. The updated version will be published on the Website. Your continued use of the Website after the updated Terms are published indicates your acceptance of the changes.
These Terms are governed by the laws of Victoria, Australia. You agree to submit to the jurisdiction of the courts of Victoria, subject to any applicable law that provides otherwise.
If any provision of these Terms is found to be invalid or unenforceable, it will be read down or removed to the extent necessary. The remaining provisions will continue to apply.
Important information about the general nature of the content on this website.
Information on this website, including loan products, rates, features and examples, is general in nature and provided for reference only. It does not take into account your objectives, financial situation or needs and is not financial, credit, legal or taxation advice.
Rates, repayments, fees, product features and other figures are indicative only and may change. They do not constitute an offer of credit, loan approval or a quote. Lending is subject to lender criteria, terms and conditions. Not all lenders or loan products may be available or suitable for every borrower.
Stamp duty and other government charges shown on this website are estimates only. Please consider your circumstances and seek professional advice where appropriate.
Starshine Finance Pty Ltd is an Australian Credit Licence holder. Australian Credit Licence 539566.
