Expert Home Loans in Sydney's Inner West
Your property journey deserves more than a one-size-fits-all mortgage. Whether you’re a first home buyer, upgrading, or refinancing, our tailored home loan solutions in Sydney Inner West are designed to align with your goals and financial situation.
How to Apply for a Home Loan
1. Understand Your Financial Position
Before applying, it’s important to evaluate your income, expenses, assets, and liabilities. This helps determine your borrowing capacity and choose the most suitable loan product. As experienced mortgage brokers in Inner West Sydney, we’ll help you assess your financial position and build a personalised plan.
2. Get Your Documents Ready
To streamline the home loan process, prepare documents such as payslips, tax returns, bank statements, and identification. For self-employed applicants, BAS statements or accountant declarations may be needed. This preparation improves lender confidence and speeds up pre-approval.
3. Choose the Right Loan Product
Fixed, variable, split, low-doc, offset, redraw, there are many home loan options available. We compare over 40 lenders to help you select the right loan that matches your goals, whether you’re buying a family home or investment property in Sydney Inner West.
4. Apply for Pre-Approval
Pre-approval gives you a clear price guide and buying power. Our team handles all the paperwork, negotiates with lenders, and positions you as a serious buyer in a competitive Inner West market. This step is especially useful when bidding in forthcoming auctions near suburbs like Ashfield or Newtown.
5. Find Your Property and Make an Offer
Once pre-approved, you’re ready to explore Inner West suburbs confidently. With a solid pre-approval and expert guidance, you’re in a stronger position to negotiate with real estate agents and sellers.
6. Finalise and Settle
We’ll handle all lender communication, documentation, and final approvals through to settlement. Our expert mortgage broking service ensures every step is clear, compliant, and seamless.
Who We Are
DR. LISA BRIDGETT
At Stellar Finance Group, we’re more than mortgage brokers—we’re strategic finance partners. Since 2017, we’ve helped Australians access competitive, personalised home loans by comparing hundreds of loan products across dozens of lenders.
Led by Dr. Lisa Bridgett, our team specialises in supporting professionals, self-employed individuals, and growing families with clear, structured mortgage advice. Whether you’re navigating a complex income situation or looking to maximise equity, we’re here to help you make confident, informed choices.
What We Offer
Full-Service Home Loan Services Across Sydney Inner West
We provide personalised home loan services to meet the unique needs of Inner West borrowers:
- First home buyer loans
- Next home / upgrading loans
- Low doc loans for self-employed
- Investment loans
- Refinance & equity release
- Construction & renovation loans
- SMSF property finance
- Offset and redraw features
- Help navigating Lenders Mortgage Insurance (LMI) waivers
How Home Loans Work
We Compare, Structure, and Secure the Right Loan
With access to 40+ lenders, we help you navigate and secure the most suitable home loan in Sydney Inner West, whether you’re buying in Balmain, Summer Hill, or Leichhardt.
We’ll help you:
- Choose between fixed, variable, or split rates
- Maximise your borrowing power
- Avoid unnecessary LMI
- Structure your loan product based on goals and lifestyle
- Understand repayments, exit costs, and terms
Why Choose Stellar Finance for Your Home Loan?
At Stellar Finance Group, we go beyond rate comparisons. We provide end-to-end mortgage broking that’s strategic, personalised, and focused on your success. Here’s what makes us different:
Choosing a mortgage broker in Sydney Inner West can save you time, stress, and money. Here’s why locals choose Stellar:
- Access to over 40 lenders for better home loan comparisons
- Strategic loan structuring tailored to your income and goals
- Time-saving support with all documentation
- Experience with complex financial situations
- 100% client-first, unbiased advice
Local Market Insight: Home Loans Tailored for Inner West Buyers
Local Market Insight: Home Loans Tailored for Sydney Inner West Buyers
Whether you’re looking to buy in Annandale, Leichhardt, Balmain, Marrickville, or Petersham, our expert team offers tailored home loan advice specific to Sydney Inner West suburbs. We understand the unique property market trends, stamp duty rules, and lender policies that impact buyers in this sought-after region. Our local knowledge helps you navigate competitive auctions and secure the best home loan solutions for your Inner West property purchase.
From charming heritage homes to modern apartments near Sydney Park and St Peters, Sydney Inner West offers diverse opportunities for first home buyers, upgraders, and investors alike. With our suburb-specific guidance and mortgage broker expertise, you can confidently explore the Sydney Inner West property market knowing you have a trusted partner supporting your home loan journey.
Our Commitment to Inner West Home Buyers
We know that choosing a home loan is one of life’s biggest decisions. That’s why we deliver ethical, clear, and tailored advice to help you buy with confidence. Whether you’re working with a small deposit or seeking low-doc options, we make the process simple and stress-free.
Hear From Our Clients
Lisa has a fantastic way of tuning into needs and ensuring we have confidence in our important decisions, through being well informed and not rushed. Lisa really made us feel assured and helped to break down any knowledge barriers, making us feel in control of our decisions. Thank you Lisa for your ongoing support and helping to build a positive future for our family!
Wayne Jones
From the moment you first meet, Lisa will be here to inform you, guide you and along with you, make your financial dreams come true. Sam Asadollahi recent experienced this when he asked Lisa to help him with purchasing his first property.
Sam Asadollahi
Got a dream? Lisa and her team can help you make it happen. I can’t think of a better person to have on my team to achieve my goals. Her hard work and determination bring results and she always has plan B and C (at least!) to make sure she can make things happen for you. Her team are excellent, keeping you well informed in the progress of negotiations and very responsive. I can’t recommend Lisa and her team enough!
Jennifer Hsu
Lisa was awesome in the way she carried out her services. She was fully engaged from the very first meeting in understanding our needs to then take us through options in the market and eventually help us choose the right product. The whole process was well defined and managed by Lisa and her team all the way till we settled. If you are on the lookout for a professional who knows the mortgage industry well, spends time to understand your needs and maintains a proactive communication at every step of the process, then Lisa should be your choice for a broker. I highly recommend the services of Lisa Bridgett and thank her for the efforts.
Babu Narayanan
It was an absolute pleasure working with Lisa on our loan financing. Lisa is extremely professional, dedicated and knowledgeable. We were very impressed with how responsive Lisa always was (and still is) to all our questions and we valued the fact that we could communicate with her outside of the normal working hours. We would recommend Lisa highly to anyone in need of mortgage financing.
Magda Louw
Lisa Bridgett is all about making her clients’ life easier! From the moment you first meet, Lisa is there to inform you, guide you and along with you, to make your financial dreams come true. Hear what her client Renee Vella has to say.
Renee Vella
Frequently Asked Questions
How do I apply for a home loan in Sydney Inner West?
Applying for a home loan in Sydney Inner West starts with assessing your borrowing capacity and financial situation. An experienced mortgage broker can help you choose the right loan product tailored to the Inner West property market. From preparing your documents to securing pre-approval, a local mortgage broker simplifies the home loan process.
Why should I use a mortgage broker for my Sydney Inner West home loan?
A Sydney mortgage broker has access to multiple lenders and loan options, helping you find the best home loan with competitive rates and flexible terms. They understand local lending policies and Inner West suburb property values, which ensures you get a loan suited to your financial goals and the specific Sydney Inner West market.
What home loan options are available for buyers?
Home buyers in Sydney Inner West can access a variety of loan products including fixed rate, variable rate, offset accounts, low doc loans for self-employed borrowers, construction loans for land packages, and investment loans. A mortgage broker can guide you in selecting the right loan option for your unique financial situation.
How does borrowing capacity affect my home loan?
Your borrowing capacity determines how much you can borrow based on your income, expenses, debts, and credit score. Understanding your borrowing power is essential when house hunting in competitive Sydney Inner West suburbs, ensuring you target properties within your financial means.
What is Lenders Mortgage Insurance (LMI) and how does it apply?
LMI is typically required if your deposit is less than 20%. Many lenders require LMI for Sydney Inner West buyers with smaller deposits. A mortgage broker can help you explore loan structures or negotiate LMI waivers to reduce upfront costs.
Can I get a home loan if I’m self-employed?
Yes, many lenders offer low doc home loans tailored for self-employed borrowers. Mortgage brokers in Sydney Inner West can assist in preparing your documentation and finding lenders with flexible lending criteria suited to your financial situation.
How long does the home loan process take?
The home loan process usually takes between 3 to 6 weeks from application to settlement, depending on the lender and complexity of your financial situation. Getting pre-approval early can speed up your purchase in competitive Inner West Sydney suburbs.
Speak to Us
Your Expert Mortgage Broker for Home Loans
Looking for the best home loan for your situation? Let’s make it happen. Contact Stellar Finance Group today to speak with a knowledgeable, trusted mortgage broker who puts your goals first. Whether you’re buying, investing, or refinancing, we’re with you from day one.
