 |
We speak English, Mandarin and Cantonese |
Our professional expertise and experience means we are able to offer a wide range of knowledge and loan brokerage services to a variety of clients. Our clients include:-
First home buyers
Investors
Self-employed
Seniors
Refinance-seekers
Commercial clients
Small Businesses
First home buyers
We know that when you are buying your first home the process may be daunting. Gold Star Finance loan brokers will help you get the right home loan finance to suit your circumstances. We want to help take some of the strain out of that first home purchase. First home buyers may be eligible for the First Home Owner Grant. Gold Star Finance can help new buyers go through the process of applying for the $7000 grant, in addition to your home loan application.
For more information about the First Home Owner Grant, visit the Federal Government FHOG website and the Queensland Government First Home Owner Grant website.
[ top ]
Investors
Finding the right mortgage for your investment property can be a complicated process. Unlocking the equity in your home to purchase an investment property can be a very rewarding option, but finding the right investment loan can be complicated. We will discuss what you need from your financing. Do you want flexibility in your repayments? Do you understand negative gearing? Do you need an amortising or an equity loan (or both)?
Gold Star Loan Brokers will help you negotiate investment borrowing to get the financing that suits your needs.
[ top ]
Self-employed
People who own and run their own businesses may have trouble borrowing for their new home because they cannot provide the financial information normally requested by lenders such as; profit & loss statements, balance sheets, taxation returns.
We can help you look at low-doc home loan options to secure the finance you need for your home.
[ top ]
Seniors
More and more people over 60 are turning to reverse mortgages. This is a very useful option for people who own their own home but do not have enough cash available for day-to-day living. A reverse mortgage means that you borrow against the value of your home, paying the money back when you sell your home or permanently move out.
Gold Star Finance’s principal, Catherine Yap, is a SEQUAL-accredited Reverse Mortgage Consultant and can advise seniors on the pros and cons of this type of financing.
[ top ]
Refinance-seekers
When people find themselves with a number of debts and multiple repayments, it can be difficult to get back on top of a messy financial situation. If you have equity in your home, we can advise on the best way to consolidate all your debts into one home loan package. In this way, you can get rid of separate credit card, car loan and personal loan repayments and put them into one loan, with one repayment.
We have a range of lenders and packages to help get you refinanced and make things more comfortable again.
[ top ]
Commercial clients
Gold Star Finance Loan Brokers is an agent for several lenders who specialise in commercial property lending. We can arrange a commercial loan that enables you to maximise your cash flow and development profit. Finance for properties such as; housing developments, shopping centres, hotels or factories require special expertise.
We can assist you in the process of choosing and applying for the right commercial loan for your project.
[ top ]
Small businesses
If you are developing or building a small business then a business loan may be just what you need. Small business loans can be used to buy your business premises, to expand, to buy plant or machinery, or any other worthwhile business development or venture. We can assist you to secure leasing finance. This can be useful if you want to lease 100% of the value of equipment for your business.
Gold Star Finance can explore chattel mortgage, leasing and hire purchase options based on your desired business outcomes.
[ top ]