BUYING YOUR FIRST HOME

Empowering First-Time
Buyers with Confidence

Why choose Credit Star?

Exceptional Value and Savings

At Credit Star, we redefine home loans to deliver real savings, helping thousands of Australians make their dreams a reality. Whether it’s building equity or managing your finances with ease, we’re here to support every step of your journey.

Unlock Your Home-Buying Potential

Securing your first home is a major milestone, and Credit Star makes it achievable with tailored borrowing solutions. We help enhance your borrowing capacity by providing comprehensive credit pre-approval within days, empowering you to move forward with confidence.

Save with Flexible Offset Accounts

Our Power Up loan’s offset accounts allow you to reduce your interest and maximize savings. With every deposit, you’ll pay less in interest, making it easier to manage your finances as a first-time homeowner.

Personalize Your Loan Structure

Buying your first home is a big commitment, and we’re here to help you make it manageable. Divide your mortgage into flexible portions with up to 10 customizable loans. Choose fixed or variable rates, opt for principal and interest (P&I) or interest-only (IO) repayments, and find terms that fit your financial plan.

Guidance from First-Home Experts

Our specialists understand the unique challenges faced by first-time buyers. From exploring borrowing options to understanding the entire process, our team is ready to guide you every step of the way. Connect with an expert through SMS or live chat—they’re here to make your journey as seamless as possible.

Finding the Right Loan for You

We offer a range of home loan solutions tailored to first-time buyers, including support for construction, bridging loans, and self-employed applicants. Our team will handle the search, paperwork, and negotiations, so you can focus on the excitement of finding your first home.

Our loans for Investors

Whether you’re looking for a straightforward or complex solution, we’ve got a loan with competitive rates tailored for your property needs.

Straight Up

Our hassle-free, low-rate variable loan.

Power Up

Feature packed, super flexible variable loan

Fixed Years

Get repayment certainty by fixing your rate

How can I...?

Investor-Friendly Borrowing Power

Our inclusive borrowing policy empowers investors to secure their desired properties quickly and easily.

Rapid, Reliable Pre-Approval

Get ready to bid in no time! We offer a 90-day, rate-locked pre-approval completed in just days, not weeks.

Comprehensive Investor Toolkit

Enhance your borrowing capacity with options like fast equity release, loan top-ups, split loans, multi-offsets, no-fee choices, cross-collateralisation, and competitive interest-only rates.

Lightning-Fast, Accurate Pre-Approval

We provide fully credit-approved pre-approval in just days, not weeks. It’s locked in for 90 days, ensuring that if rates fluctuate, your borrowing power remains intact.

Your Dedicated Investor A-Team

Equip yourself with all the answers to be ready to take action! Get quick responses via SMS, chat, or phone to stay informed and confident.

Quickly Unlock Your Equity

Enhance your returns by refreshing your investment property. Our borrower-friendly policies and efficient cash-out processes make it easier than ever.

Reduce Your Interest Rate

Save on interest costs with AcceleRATES2 as you pay down your loan.

Comprehensive Investor Toolkit

Tailor your portfolio with split loans, multiple offsets, and cross-collateralisation strategies. Optimize your tax situation and expand your portfolio.

Fee-Free Loans, No Loyalty Tax

Enjoy competitive “no-negotiation” investor rates that remain consistent. Existing customers receive the same great rates as new clients on comparable loans.

Your Dedicated Investor Specialists

By choosing Credit Star, you gain access to a dedicated Investor Specialist who understands your unique situation.

Quick Responses, Your Way

Your dedicated team is always ready to assist via rapid SMS or online chat, with phone and email options available as well.

Tailored Loan Structuring for Maximum Returns

Your Investor Specialists can strategically structure your loan to align with your investment goals, ensuring optimal returns.

TAKE THE NEXT STEP

Get your calculations done quickly

We’ve slashed the time, paperwork and hassle. Get a quote fast and start owning!

Calculate

Evaluate your existing loan, determine your eligibility, and estimate your repayments—all without any credit checks!

Apply

Our online application takes just 15 minutes and delivers a decision in 60 seconds.

Settle

After approval, simply review and return your documents, and we'll ensure you get settled and start saving quickly.

Real Homeowners.
Real Care

Join the thousands of satisfied customers and discover their experiences on Trustpilot.

LOCAL EXPERTISE

Get in Touch with Our First-Time Buyer Team

Connect with our dedicated First-Time Buyer A-team to explore options for your dream home. With quick SMS or live chat responses, you’ll never have to wait. Prefer a call? Our specialists would be happy to discuss your needs and answer your questions.

Looking to gain an edge in the property market

FAQs

How much deposit will I need to buy my first home?

Typically, a 20% deposit is recommended, but at Credit Star, we help first-time buyers explore options with as little as a 5% deposit. Keep in mind that lower deposits may require lenders’ mortgage insurance (LMI), which we can also help you navigate.

Your borrowing power depends on your income, expenses, credit history, and other financial factors. Our team provides a personalized borrowing assessment to give you a clear picture of your borrowing capacity and guide you to the right loan amount for your goals.

Pre-approval is a key step in your home-buying journey. At Credit Star, we make it simple: after an initial consultation, we’ll review your financial details and provide a comprehensive pre-approval within days. This gives you confidence to start house-hunting with a clear budget in mind.

Yes! Our Power Up loan includes an offset account feature, which lets you reduce the interest payable by offsetting the balance of your loan with your deposits. This is a great way to save on interest while managing your cash flow.

A fixed rate keeps your interest rate the same for a set period, offering predictability in repayments. A variable rate, on the other hand, may change over time, reflecting shifts in the market. Our specialists can help you weigh the pros and cons to find the right fit for your needs.

From loan pre-approval to final settlement, the process generally takes a few weeks to a couple of months, depending on the property and market conditions. Our team works to expedite every step, ensuring a smooth and timely experience from start to finish.

Have questions or need help with your application? Our Aussie Loan Experts are ready to assist.

Call us

Weekdays 9am – 5pm AET

Lower Your Rate Your Way

With AcceleRATES, we’ll reduce your rate as you pay down your Straight Up or Power Up home loan.

Loyalty Deserves Rewards

At Credit Star, we ensure both new and existing customers enjoy the same competitive rates for comparable loans with our Automatic Rate Match.

Zero Credit Star Fees

Our Straight Up and Power Up loans come with absolutely no Credit Star fees!