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Let’s Talk Loans. No Fees. No Awkward Invoices
Contact
- +61 416 914 466
- info@lodestarfinance.com.au
- Craigieburn VIC 3064
We believe finance is not just about numbers — it’s about freedom. The freedom to dream bigger, to take bold steps, and to live life on your own terms. Whether it’s owning your first home, growing a business you’re passionate about, or navigating life’s biggest milestones with confidence, we’re here to make it possible without the weight of financial stress.
Our vision is to empower people with the tools, guidance, and support they need to turn money into a pathway toward opportunity, security, and lasting freedom
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From home loans to business and personal finance, we’ll find solutions that actually fit your life—not just numbers on paper.
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We’re not another faceless lender. Our team takes the time to understand your goals and guide you every step of the way.
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FAQs
Frequently Asked Questions
Most lenders want 20% to avoid LMI. From 1 October 2025, eligible first home buyers can purchase with a 5% deposit and no LMI under the Home Guarantee Scheme, subject to price caps.
LMI is a premium you pay that protects the lender, not you, when you borrow over 80% of the property value.
Pre-approval typically lasts 3 to 6 months. Timing to get pre-approved can range from minutes to a few weeks, depending on the lender and checks required.
Yes. Housing Australia's Home Guarantee Scheme helps eligible buyers with small deposits. From 1 October 2025 it has unlimited places, no income caps, and increased property price caps.
Expect to provide ABN/ACN details, ID, recent bank statements, financials or BAS, and a basic plan or forecast. Exact requirements vary by lender.
Not always. Secured loans use assets as security, while unsecured loans rely on business performance or personal guarantees and usually cost more.
It's a single number that blends the interest rate with most fees, so you can compare loans on a like-for-like basis. Lenders are required to display it in their advertising.
Often yes. Variable-rate loans usually have no early exit fee, while fixed-rate loans may charge early repayment costs, so it's worth checking your contract before assuming either way.
A bank can only offer you its own products, while a broker like Lodestar compares options across 60+ lenders to find what actually suits your situation. Both services are free to you, but a broker works for you, not for a single lender.