Self Employed Home Loans: How to Get Approved Without Payslips
I sit down with a business owner almost every week…
Welcome to Lodestar Finance
Home, Business and Personal Loans, Compared Across 60+ Lenders
Loans don’t have to be complicated, we make them simple. A completely free service from start to finish, with unlimited support and proactive six-month reviews, so your loan always keeps working for you.
Lodestar Finance Pty Ltd · Credit Representative (CRN 571879) of Purple Circle FS · Australian Credit Licence 486112 · FBAA Accredited · 60+ Lenders Compared
Australia’s Trusted finance experts
With over 60 lenders, we’ve helped 950+ people secure the best loan they deserve
Lenders
10
+
Transparency
10
%
Clients Served
10
+
The right people and the right process—helping you get approvals faster and settle sooner, without the stress.
Our Services
We Search the Market to Find the Right Lender and the Best Deal for You
Home Loans
Dreaming of your first home? We help first-time buyers, families, and investors find a home loan that actually fits their budget, whether you're buying your first place or your fifth.
Business Loans
Running a small business is tough, we make it easier with business loan funding that grows with you, not against you.
Personal Loans
Get a personal loan approved quickly, without the stress, for life's curveballs or its opportunities.
Also Exploring
Low Deposit Home Loans
Self-Employed Home Loans
Our Lenders
The Right Lenders, The Right Loan
We partner with Australia’s most reliable banks and financial institutions to bring you competitive rates, flexible terms, and stress-free loan options.
HOW IT WORKS
Getting a Loan Sorted, in Four Simple Steps
Whether it’s your first home, growing your business, or covering life’s next big move, here’s exactly what working with Lodestar Finance looks like:
A Free, No-Pressure Chat
We start with a quick, obligation-free conversation about what you need and what you can afford, usually around 20 minutes.
We Compare 60+ Lenders for You
Instead of one bank’s one answer, we search across our full panel of 60+ lenders to find the options that actually suit your situation.
Application & Approval Support
We handle the paperwork, chase the details, and keep you updated at every stage, so you’re never left wondering what’s happening.
Settlement & Ongoing Reviews
Once you’re settled, we don’t disappear. We check in every six months to make sure your loan is still the best option available to you.
WHY A BROKER BEATS GOING DIRECT
One Bank Gives You One Answer. We Give You 60+.
Walk into a bank and you’ll get whatever that bank is offering that week. Go directly to an online lender and you’re locked into one product, one set of rules, one rate. A mortgage broker works differently, and for you, not for a single lender.
Going Direct to a Bank | A Single Digital Lender | Lodestar Finance | |
|---|---|---|---|
Lenders compared | 1 (their own) | 1 (their own) | 60+ |
Cost to you | Free | Free | Free, always |
Who they work for | The bank | The lender | You |
Ongoing reviews | Rarely | Rarely | Every 6 months |
CALCULATORS
Get a Real Number in Under a Minute
Curious what you could borrow, or what your repayments might look like? Try one of our free calculators, no signup required.
Why People Choose Us?
Because life’s too short for complicated finance
100% Free Service, No Fees, Ever
We never charge you for paperwork or advice. Our service is completely free, from application to approval.
Unlimited Support, Anytime You Need
Have questions before, during, or after your loan? Our team is always here to guide you.
Our aggregators
Backed by Accreditation You Can Check
Lodestar Finance is proud to partner with Purple Circle Financial Services Pty Ltd for aggregation, and holds FBAA accreditation as part of our commitment to professional standards.
Testimonials
Amazing Reviews From Our Clients
Jake Wilson
Went through Lodestar Finance for my home loan and it was honestly a really good experience. No pressure, no confusion. They just explained things properly and got it done. Would use them again.
Lauren McKay
I was expecting the whole loan process to be a headache, but it wasn’t. Lovepreet handled most of it and kept checking in so I knew where things were at. Made life a lot easier.
Tom Reynolds
Everything was pretty straightforward and communication was solid the whole way through. Saved me money too, so no complaints.
Gurpreet Singh
As a first home buyer I had no idea what I was doing. The team at Lodestar were patient and answered all my questions without making me feel silly. Really appreciate that.
Chloe Bennett
Really easy to deal with and super responsive. If I had a question, they got back to me quickly. Didn’t feel stressed at any point, which says a lot.
Rohan Patel
The process was smooth from start to finish. Nothing dragged on and everything was explained clearly. Overall just a solid, reliable experience.
Our Vision
Helping people isn’t just part of our business, it’s the reason we exist. Whether it’s a new home, a car, or a better loan, our purpose is simple: to make life easier and brighter for the people we serve.
Lovepreet Singh Sangha
Director, Principal Broker
Our Team
Meet Our Professional Team Members
Lovepreet Singh Sangha
Director, Principal Broker
Lovepreet Singh Sangha
Director, Principal Broker
- Phone:+61 416 914 466
- Email:Lovepreet@Lodestarfinance.com.au
Harjinder Singh
Business Development Manager
Harjinder Singh
Business Development Manager
- Phone:+61 481 311 000
- Email:Harjinder@lodestarfinance.com.au
Armaghan Afzaal
Digital Marketing Manager
Blog & News
Insights From Lodestar Finance
Investment Property Loans: How They Differ From Owner-Occupier Loans
I get a version of this question constantly from clients…
Refinancing Your Home Loan: When and Why It Makes Sense
Almost every second conversation I have with an existing client…
FAQs
Frequently Asked Questions
Usually 20% of the property value, but some lenders accept less with conditions.
Yes, but options may be limited, and interest rates are generally higher.
Many lenders give approval within a few days if documents are ready.
Not always — unsecured loans are available but may come with higher interest.
It varies by lender, but most require steady proof of income.
Yes, though some lenders may charge an early repayment fee.
It depends on your purpose, income, and repayment capacity — a finance advisor can guide you.
Yes, too many applications in a short time can lower your score.
Ready to Compare 60+ Lenders and Find Your Best Loan?
It’s free, it’s obligation-free, and it usually takes less than 20 minutes to get started.