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We speak English, Mandarin and Cantonese |
Frequently asked questions
You may find the answers to your home lending queries, or specific queries about Gold Star Finance loan brokers through our frequently asked questions.
What is unique about your services?
- We provide high quality, experienced financial assistance to clients in three languages: English, Cantonese and Mandarin.
- Besides home mortgages, we can assist you to borrow for your commercial project, small business and even personal loans.
How much do you charge?
Our brokerage services are absolutely free of charge. Once we find our clients a business/home loan package from our panel of well-known banks and financial institutions, the lender pays us a fee for introducing them to you. We have no preferred business / home lenders and will only ever suggest a lender or loan product on the basis of what they can provide for each individual client. We are happy to offer you a no-obligation initial consultation, so contact us to arrange your appointment today.
What if I am a first home buyer?
If you are buying your first home, you probably have many questions relating to securing your first home loan, as well as the First Home Owners Grant. Choosing your first home can be difficult and we will help you make the process as easy as possible to get your home loan approved and, to fill in and submit your First Home Owner Grant application.
Do I get a choice of lenders or business / home loan products?
You get to choose from a very wide range of lenders and products. We act as agents / brokers for over 40 financial institutions. These include lenders for residential, commercial, business and personal loans. We know that our clients have very different needs so we are not limited to banks. We are also agents / brokers for credit unions, building societies and other non-bank lenders.
How much can I borrow?
How much you can borrow is based on the specific loan product. Depending on your situation and the type of loan, you may borrow up to 97% of the value of the purchase price of the property (with appropriate insurance). Of course, this is dependant on the property type and your financial history. To find out more, read our product information, or contact us now.
What do I need to bring to my appointment?
When you first come to discuss your financial needs, you will be asked to give a frank account of your financial situation. You need to provide recent pay slips, as well as your tax return from a previous year, any savings history if you are a first home buyer, previous home loan statements if you are investing or refinancing, as well as a current rates notice. Based on this information, we can begin assessing your home loan options right away. All information is kept private and confidential.
Is Gold Star Finance industry accredited?
Yes, the principal of Gold Star Finance loan brokers, Catherine Yap, is an accredited member of the Mortgage & Finance Association of Australia (MFAA), the Finance Brokers Association of Australia (FBAA) and an accredited consultant for Reverse Mortgage.
Being accredited by these associations is highly important. It ensures members are accountable, up-to-date and highly professional consultants with their clients’ best interests in mind. It also allows clients to find out about the reliability and professionalism of a consultant through an independent third party.
Where are you located?
Gold Star Finance is conveniently located in the Brisbane metro region at Macgregor, and services clients throughout the south east Queensland area. See our contact information for details.
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