How do Start Finance home loans compare?
Because Start Finance is a boutique funder we offer lower rates than any other of our competitors.
But don’t take our word for it compare for yourself.

How long does it take to get approval?
In most cases your home loan specialists will be able to give you pre-approval straight away. How quickly you get full approval depends on you providing the necessary documentation to support your application and Start Finance getting a valuation of the property. This generally takes no longer than 10 working days.

Where is the Start Finance Offices Located?
The Start Finance Office is located
Level 2
530 Lonsdale Street
Melbourne 3000

How experienced are Start Finance Loan Specialists?
Most over our Loan Specialists have between 10-30 years experience as home loan lenders, so you can feel one hundred per cent secure in putting your finance in our hands.

Can I make extra repayments?
Yes. In most cases you can, but this depends on the type home loan option you decide to purchase.
See individual product features for full details.

Can I get access to my home loan online?
Yes. By logging on to www.capitaltrust.com.au and registering to Application Status where you can view specific home loan account information, transaction history and balances on-line at any time.

How do I apply for a loan?
You can apply for a Start Finance home loan in two ways.

• Arrange to see a Home Loan Specialist by calling Start Finance hotline on 1300 768 425, where you will speak to a on of our customer service advisors who will organise an appointment for a Home Loan Manager to come to you.
• Apply online

Can I pay out my loan early?
Yes. Although in some cases depending on the type of loan you decide on there is an early repayment fee. Other fees and charges may also apply depending on information contained in you loan agreement.

USEFUL TERMS

Amortisation: The reduction of the principal and interest of a loan over time.

Asking Price: The initial price the real estate agent and owner are asking for the property on sale.

Body Corporate: Refers to a home owners association in Australia charged with the administration of one or more housing units. Owners pay a monthly fee to provide for common maintenance and help cover future repair.

Comparison rate: A rate which includes both the interest rate and both fess and charges related to the loan, reduced to a single percentage figure.

Contract: A legally enforceable agreement to purchase or sell, more often than not exchanged when the deposit is paid.

Conveyancing: The act of transferring the legal title in a property from one person to another. 

Cooling- off period: The period after a purchase during, which the purchaser has the right to return goods for a refund, or to cancel a contract without penalty.

Covenant: A condition or contract term that specifies a particular use or constraint of a use on property.

Establishment Fees: Fees charges by the lender to set up the loan.

Equity: The market value of an asset, including a property, deducting what you owe.

Lenders Mortgage Insurance: An insurance policy that insures the lender against the borrower defaulting on a loan. 

Mortgage: A document that legally binds a property to the lender as security to the payment of debt.

Settlement: The time at which final payments are made on a property purchase and its possession changes hands.

Stamp duty: A tax on the transfer of property or other assets such as shares.