Starlight Home Loans Blog Articles

Sharing with you ideas on how to get into a Home Loan

Business Finance Without The Banks

Business Finance Without The Banks

Small business finance without the bank While SMEs account for 97 per cent of Australian businesses, it can still be difficult to make a case to a bank when looking for f... Read More

Negotiating Debt When You Can't Get a Home Loan

Negotiating Debt When You Can't Get a Home Loan

Protecting the family Home when Debt becomes uncontrollable. Negotiating Debt when you cant get a Home Loan Approval for enough to consolidate your debts. When things go wr... Read More

Borrowing From the Mum and Dad Bank

Borrowing From the Mum and Dad Bank

Parents love their kids and want to help them out. Kids love being able to realise their dreams and their folks can be a big help. But sometimes its complicated. With... Read More

When Would I Refinance My Mortgage?

When Would I Refinance My Mortgage?

Whenever it makes financial sense to do so. Heard about mortgage refinancing? In the past, most people who took out a mortgage doggedly continued with it until they had p... Read More

The Average Saver Will Spend Their Entire Super Within 5 Years

The Average Saver Will Spend Their Entire Super Within 5 Years

The average saver will spend their entire super within five years, leaving them dependent on the age pension for more than 12 years, new research has warned. The secret t... Read More

The Added Cost of Purchasing Property

The Added Cost of Purchasing Property

Buying a property carries more costs than just the purchase price, so dont forget to account for these extras when considering a Home Purchase. In addition to moving costs, council... Read More

Sydney Couple finds they have 2 options to Solve Credit Card Debt.

Sydney Couple finds they have 2 options to Solve Credit Card Debt.

Theresa and Peter put everything they had on the line to start a family, including their credit and home loan. With the expert advice of Fast Debt Help they were able to start fresh for their baby ... Read More

Top 10 Tips To Save Money On Your Mortgage

Top 10 Tips To Save Money On Your Mortgage

There are always steps borrowers can take to pay their loan off faster. To begin your journey, here are a few ideas that may help you along the way. 1. Skip the Honeymoon RateRead More

Everything You Need To Know About Reverse Mortgages

Everything You Need To Know About Reverse Mortgages

If you would like the financial ability to spend your retirement how you choose, with independence and dignity, you should talk to us. A Reverse Mortgage will allow you to borrow against the equity... Read More

Avoid These Common Refinancing Traps

Avoid These Common Refinancing Traps

Whether youre after lower repayments or want to tap into the equity sitting in your home, refinancing can offer a world of benefits. Here are some things to be aware of so that you don&rsquo... Read More

Is Selling and Re Buying Better Than A Nonconforming Home Loan

Is Selling and Re Buying Better Than A Nonconforming Home Loan

If you now have multiple Loans and Credit Cards, including car loans on top of your Home Loan you may find things are getting a bit stretched. If bills and payments are actually starting ... Read More

Interest Rate Rise Mortgage Risk

Interest Rate Rise Mortgage Risk

ONE in five Australians are walking such a fine mortgage tightrope that they could lose their homes if interest rates rise by even 0.5 per cent. Our love affair with property has pushed A... Read More

Minimise the Risk when Guaranteeing Your Children's Loans

Minimise the Risk when Guaranteeing Your Children's Loans

Guaranteeing your childrens loans Rising house prices are making it increasingly difficult to enter the market. Parents who guarantee their childrens loans ... Read More

Flying Solo and Buying a Home

Flying Solo and Buying a Home

Are you flying solo and starting to think that buying a property will never be possible? Theres really no need to wait for a knight, or lady, in shining armour to come along, as securi... Read More

How Lenders Work Out If You Can Afford a Loan

How Lenders Work Out If You Can Afford a Loan

Different lenders use different formulas to work out how much you can borrow, but the biggest loan isnt always the best idea. Being able to secure your ideal loan amount can seem l... Read More

Fixed Rate Loans Explained

Fixed Rate Loans Explained

Explainer: Fixed-rate loans With interest rates at an all-time low, taking the option of locking in an interest rate on your home loan to guard against possible future fluctuation may be ... Read More

Comparison Interest Rates Explained

Comparison Interest Rates Explained

Comparison rates were introduced a number of years ago, in an effort to help consumers compare apples with apples when reviewing different home loans. It is difficult to com... Read More

Cash Poor Pensioners Taking Advantage of Reverse Mortgages

Cash Poor Pensioners Taking Advantage of Reverse Mortgages

A reverse mortgage can release the equity in their Homes to allow a retiree to enjoy their retirement years. Used intelligently they can supplement pensions, remove other debt and allow f... Read More

Keeping the Family Home Through Refinance

Keeping the Family Home Through Refinance

Case study: Newcastle Couple keep the home despite family difficulties The stakes were high for David and Karen, who were dealing with a childs ill health and, as a result, extreme... Read More

Is the Housing Market Better Now than 20 Years Ago

Is the Housing Market Better Now than 20 Years Ago

Housing markets and wage growth - were we better off 20 years ago? Its a great topic of conversation at many a backyard barbecue. At some point over the past year... Read More

Exit Costs When Refinancing

Exit Costs When Refinancing

Refinancing can be a great way to save money if you believe you are paying too much for your loan, but there is more to it than just finding a loan with a lower interest rate and making the change.... Read More

What counts as genuine savings in a loan application?

What counts as genuine savings in a loan application?

If you apply for a home loan, particularly if the loan is for more than 80 per cent of a propertys value, youll more than likely have to prove to lenders that you have a satisfactory ... Read More

Rentvesting - enter the property market without sacrificing your current lifestyle

Rentvesting - enter the property market without sacrificing your current lifestyle

As property prices continue to rise, purchasing in a centrally-located or sought-after area is out of reach for the average working millennial. Instead, many are opting to rent rather than buy as i... Read More

3 Things You Need to Ask Your Partner Before Applying For a Home Loan Together

3 Things You Need to Ask Your Partner Before Applying For a Home Loan Together

Before you apply for a home loan with your partner, there are a few discussions that you need to have that go a little beyond what you may know already. Youve found someone you wan... Read More

Applying for a Business Loan? Follow These 5 Rules to Get It

Applying for a Business Loan? Follow These 5 Rules to Get It

Preparing a detailed business plan will inform the lender about your business proposal so that it can assess your application as favourably as possible. 1. Know your numbers. In ord... Read More

A Better Way for Parents to Help Their Children Buy a Home

A Better Way for Parents to Help Their Children Buy a Home

A Better Option For Parents to Help their children buy a home Another advantage of dealing with a Specialist Lender via Read More

Avoiding a Home Loan Default

Avoiding a Home Loan Default

Late payments and loan defaults leave marks on a credit history that can complicate any effort to refinance or secure a loan in the future. Default can also lead to a home being repossessed and sol... Read More

Are you Fifty Something Now?

Are you Fifty Something Now?

Are You fifty something now? Scary Right?!? Heres a Decade by Decade Plan with some options to see you through. Realistically most people now, ... Read More

Case Study: Jin had an incorrect listing in his credit report

Case Study: Jin had an incorrect listing in his credit report

Jin had a personal loan with a bank. Even though hed been meeting all his repayments, he received a default notice on his loan. Due to a processing error, his payments had not been credited to... Read More

How to Check and Correct Wrong Credit Listings

How to Check and Correct Wrong Credit Listings

When you get your credit report you should check all the loans or debts listed are actually yours and check details like your name and date of birth. If you dont agree with what... Read More

4 Ways to Get into a Home Loan

4 Ways to Get into a Home Loan

From Debt to Home Ownership Plan 1 Clean Start If youre just starting out and have decided that a home of your own, or as an investment is what you wan... Read More

Starlight Home Loans
Address

PO Box 6100
Kincumber NSW 2251

Contacts


Phone: 1800 825 010