Buying your first home
Understand borrowing capacity, deposit needs, government schemes, costs and the steps between planning and getting the keys.
See first-home options →Melbourne mortgage broker · Australia-wide support
Clear advice. Strong preparation. A loan strategy built around you.
Whether you are buying, refinancing or trying to make a complicated position work, David will explain the options, do the policy work and stay personally accountable from the first conversation to settlement.
No call centre and no hand-off. You speak directly with David Gasparini, your mortgage broker.
Personal from start to finishDeal directly with David
Clear loan strategyUnderstand the why and next step
Options researched carefullyPolicy fit matters as much as rate
Broker Daily Innovation Awards finalistRecognised for industry innovation
A quicker way to start
Tell David what you need help with.
Complete the short form and your enquiry will go directly into Stellar Home Loans—not to a call centre.
- Choose the finance goal that best matches your position.
- David receives the enquiry directly and can prepare before responding.
- You can still call or book a time if that is easier.
Start with what you are trying to achieve
Finance should feel like a clear path—not a wall of lender jargon.
Select the situation that sounds most like yours. David will help work out what is possible, what needs attention and what happens next.
Help to Buy and deposit support
Explore whether a shared-equity or low-deposit pathway may fit your income, property, location and circumstances.
Explore scheme support →Refinancing your home loan
Review your rate, structure, cash flow and future plans—not just the advertised interest rate.
Review your current loan →Debt consolidation
See whether restructuring expensive debts could create breathing room, with the total cost and trade-offs explained.
Explore consolidation →Buying an investment property
Build a lending structure that considers cash flow, usable equity, buffers and what you may want to do next.
Plan an investment purchase →Car, asset or business finance
Talk through practical finance options for a vehicle, equipment or business need, with repayment impact made clear.
Discuss asset finance →
Advice from a person who stays accountableDavid Gasparini · Mortgage Broker and Founder
Straight answers and personal ownership
You will always know who is looking after your application.
Stellar Home Loans was built around a simple belief: better decisions happen when the advice is clear, the preparation is thorough and the broker remains personally involved.
- The reasoning behind each recommendation is explained.
- Limitations, costs and trade-offs are discussed openly.
- Your documents and application are prepared carefully.
- You receive clear updates and know what happens next.
A simpler way through finance
Three steps. One clear point of contact.
Tell David what you want to achieve
Start with a focused conversation about your goals, timing, income, deposit and anything making the position difficult.
See the strongest realistic pathway
David reviews borrowing capacity, lender policy, costs and possible structures before explaining the most useful options.
Move forward with preparation and support
If you choose to proceed, David manages the application, lender questions, approval process and progress updates.
Trust is built through the work
Careful research, honest conversations and follow-through.
The goal is not to force every situation into a loan. It is to help you understand your position and make a confident decision about the next step.
Direct accessSpeak with David—not a different person each time
Australia-widePhone and video appointments available
Award finalistBroker Daily Innovation Awards finalist
Questions clients often ask
Useful answers before you take the next step.
What does a mortgage broker do?
A mortgage broker helps you assess borrowing options, understand lender policy, compare suitable products, prepare an application and manage the process through to settlement.
Do I have to pay for the first conversation?
No. Stellar Home Loans offers a free initial 20-minute loan review so you can understand whether there is a sensible next step.
Can David help if my situation is complicated?
Yes. David regularly works through first-home buyer schemes, Centrelink income, debt consolidation, refinancing and other scenarios that require careful policy research.
Does Stellar Home Loans help clients outside Melbourne?
Yes. Appointments can be completed by phone or video, and Stellar Home Loans assists clients across Australia subject to licensing and lender availability.