Tailored Loans for Engineers
Expert mortgage solutions designed for Australia’s engineering professionals. Whether buying your first home, investing, or refinancing, we simplify complex incomes and deliver strategic finance that works for you.
How to Apply for Loans for Engineers
1. Initial Consultation with a Specialist Mortgage Broker
Start with a free consultation to discuss your engineering career, financial situation, and loan goals. Whether you’re a civil, mechanical, or software engineer, we’ll tailor mortgage solutions that fit your unique income structure, PAYG, contractor, or self-employed.
2. Document Preparation for Home Loans and Low Doc Loans
Gather required documents such as payslips, tax returns, contracts, BAS statements, or accountant declarations. Our team guides you through paperwork for low doc loans for engineers or traditional home loans to ensure a smooth application.
3. Loan Strategy Development & Pre-Approval
We craft a strategic loan plan designed to maximise your borrowing power and fit your goals, whether for a first home loan, investment loan, or refinance. Your application is submitted for pre-approval with lenders experienced in complex income loans.
4. Formal Loan Application & Negotiation
Once pre-approved, we complete the full loan application, negotiate terms with lenders, and manage paperwork to secure the best rates and conditions tailored for engineers.
5. Loan Approval, Settlement & Ongoing Review
After approval, we coordinate settlement and continue to review your mortgage strategy annually. Refinancing options and investment loans are also considered as your financial situation evolves.
Who We Are
DR. LISA BRIDGETT
Stellar Finance Group is a trusted team of expert mortgage brokers specialising in loans for engineers across Australia. Led by Dr. Lisa Bridgett, PhD-qualified with 20+ years’ experience, we understand the unique financial needs of engineers, from salaried to contractor and self-employed.
We provide tailored home loans, investment loans, and low doc loans designed to maximise your borrowing power and simplify complex income situations. With offices in Sydney and Newcastle, we’re dedicated to delivering strategic, personalised finance solutions that help engineers achieve their property and wealth goals.
Why Engineers Choose Stellar Finance Group
Complex Income Specialists
Many engineers have varied or project-based income structures. Whether you’re on a contract, split across PAYG and self-employed roles, or consulting globally, we understand how to present your income clearly to lenders. We excel at securing loan approvals for complex income profiles.
Strategic Mortgage Planning
With a sharp focus on long-term wealth building, we help you go beyond the transaction. We meet annually to review your goals and restructure your loans accordingly, ensuring you’re always getting the most out of your financial position.
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Expert Negotiation and Loan Structuring
Our team negotiates with an extensive panel of banks, credit unions, and specialist lenders to craft bespoke solutions. This includes reduced Lenders Mortgage Insurance (LMI), waived fees, or structuring multiple loan products across different lenders to suit your goals.
Home Loans for Engineers
Your Trusted Partner in Property and Finance
Buying your first home, upgrading your residence, or moving into luxury property?
Stellar Finance Group offers tailored home loans for engineers across all disciplines, including civil, electrical, mechanical, and software engineers. We manage the paperwork, approvals, and strategy so you can focus on your career.
Key Features:
- Owner-occupied and investment home loan options
- Low doc home loans for self-employed engineers
- Solutions for overseas income or dual residency
- Offset accounts, redraw features, and fixed/variable loan splits
Engineer home loans can be structured to minimise your repayments, maximise tax efficiency, and support your broader wealth strategy.
How Loans for Engineers Work
At Stellar Finance Group, we specialise in loans for engineers across Australia, including civil engineers, mechanical engineers, software engineers, and more. Whether you need a home loan, investment loan, or construction loan, our expert mortgage brokers tailor finance solutions to your unique income and career demands.
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Here’s how we guide you through securing the right engineer home loan:
- Assess Your Financial Situation and Borrowing Power
We analyse your income, employment type (PAYG, contractor, self-employed), credit score, and expenses to determine your maximum loan amount and ideal loan products. - Tailor Your Loan Strategy
Our brokers design customised professional home loans, low doc loans for engineers, and investment loans based on your goals and financial situation. - Gather Required Documentation
We assist with collecting payslips, BAS statements, accountant letters, and other evidence to support your complex income home loan or low doc loan application. - Submit Applications to Specialist Lenders
Your application is sent to lenders familiar with loans for engineers, including banks, credit unions, and specialist financiers with competitive rates and flexible terms. - Negotiate Loan Terms and Lenders Mortgage Insurance
We secure the best possible interest rates, and where eligible, negotiate lenders mortgage insurance (LMI) waivers or discounts to reduce your costs. - Manage Loan Approval and Settlement
We coordinate all steps from loan approval to settlement, ensuring a smooth process and clear communication. - Provide Ongoing Support and Refinancing Options
Our service continues with annual reviews, refinance advice, and assistance with additional car loans, business loans, or SMSF loans to support your growing financial portfolio.
What Sets Stellar Finance Group Apart
- Led by Dr. Lisa Bridgett, PhD: Research-driven, award-winning mortgage broker with deep problem-solving experience.
- Over 20 Years of Experience in finance and mortgage broking
- Specialists in Complex Incomes: Contractor, PAYG, mixed income, overseas earnings
- Access to Over 40 Lenders: Including Resimac, ING, Firstmac, Adelaide Bank, and more
- Annual Reviews: We realign your strategy with your evolving career and financial goals
- Advanced Digital Tools: Seamless, intelligent mortgage experience with smart tech
Types of Loan for Engineers
Low Doc Loans for Engineers
For consulting engineers, contractors, or those running their own practice, traditional PAYG requirements can be limiting. Our low doc loans for engineers are designed with flexibility and precision, using alternative documentation such as:
- BAS statements
- Accountant declarations
- Business bank statements
- Contracts or invoices
Our expert brokers can help structure a low doc solution that doesn’t compromise your access to competitive rates or features.
Investment Loans for Engineers
Looking to build wealth through property? We provide investment loans for engineers tailored to both first-time and seasoned investors. Whether you’re targeting capital growth suburbs or dual-income properties, we work to optimise your borrowing power and returns.
Investment Loan Solutions Include:
- Interest-only or principal & interest options
- Cross-collateralisation advice
- SMSF property lending
- Tax-effective loan structures
Our clients often combine investment property strategies with other loan products to create a smart, scalable portfolio.
Refinance Loans and Equity Release
Engineers often miss out on better rates simply due to lack of time. We help you refinance to:
- Lower your monthly repayments
- Access better interest rates
- Release equity for renovation, investment or personal projects
Refinance for engineers is also ideal for consolidating debt or funding large purchases such as home extensions, car loans, or business investments.
We also help navigate home equity loans and line-of-credit facilities, ensuring you can access your funds with control and flexibility.
Construction and Development Loans
Planning to build your dream home or develop property? We assist engineers with:
- Construction loans for personal builds
- Development finance for duplexes, townhouses, or multi-dwelling projects
Our brokers will guide you through staged drawdowns, building contracts, and valuation timelines to ensure smooth funding throughout the build.
Car Loans and Asset Finance
Whether you’re purchasing a new car, leasing heavy equipment, or financing business assets, we provide:
- Car loans for new and used vehicles
- Equipment finance for tools, tech, and machinery
- Chattel mortgages and leasing options
Engineers running a business or side consultancy often benefit from combining personal and business asset lending into one streamlined strategy.
SMSF Lending Options for Engineers
Self-Managed Super Funds (SMSFs) offer engineers a powerful path to long-term wealth creation through property. We specialise in SMSF loans that align with ATO regulations and your fund’s investment strategy.
We’ll help with:
- SMSF loan structuring and setup
- Lender selection based on fund profile
- Compliance with contribution caps and arm’s-length rules
SMSF Lending Options for Engineers
Self-Managed Super Funds (SMSFs) offer engineers a powerful path to long-term wealth creation through property. We specialise in SMSF loans that align with ATO regulations and your fund’s investment strategy.
We’ll help with:
- SMSF loan structuring and setup
- Lender selection based on fund profile
- Compliance with contribution caps and arm’s-length rules
Frequently Asked Questions
What types of loans are available for engineers?
At Stellar Finance Group, we provide a comprehensive range of loans for engineers, including home loans (owner-occupied and investment), low doc loans, refinance solutions, SMSF loans, construction loans, car and asset finance, and equity release. Each loan product is tailored to your unique income structure and financial goals.
Can engineers qualify for low doc home loans?
Yes. If you’re a contractor, consultant, or self-employed engineer, we specialise in securing low doc loans for engineers using alternative documents such as BAS statements, accountant letters, or business bank statements. These loans suit engineers with fluctuating or complex income streams.
What’s the advantage of using a mortgage broker for engineers?
As a specialist mortgage broker for engineers, we understand the complexity of engineering incomes and financial situations. We negotiate with over 40 lenders to secure competitive rates and tailor home loans for engineers that maximise your borrowing power while saving you valuable time.
Can I get a loan if I work overseas or have multiple income streams?
Absolutely. We assist engineers working on overseas contracts, FIFO roles, or earning income from multiple sources. Our expert brokers know how to present your income clearly to lenders and help you access the right loan products for your financial situation.
Do engineers qualify for LMI discounts or waived Lenders Mortgage Insurance?
In many cases, yes. Some lenders offer Lenders Mortgage Insurance (LMI) discounts or waivers for high-income engineers or specific engineering professions. We assess your eligibility and negotiate with lenders to reduce or eliminate this cost where possible.
Can I use my Self-Managed Super Fund (SMSF) to invest in property as an engineer?
Yes. Many engineers use SMSF loans to grow long-term wealth through property investment. We ensure your SMSF complies with ATO regulations and help you find lenders who specialise in SMSF property finance.
How much can engineers borrow for a home or investment loan?
Your borrowing power depends on your income, expenses, credit score, and the loan product you choose. We conduct a personalised assessment to determine your maximum loan amount and structure your application to increase your chances of loan approval.
How long does the loan approval process take for engineers?
Approval times vary depending on your financial complexity and the lender, but most loan approvals occur within 5–10 business days. We manage all documentation and lender communications to streamline the process.
Can I refinance my loan to get better rates as an engineer?
Yes. Many engineers miss out on lower rates due to busy schedules. We help you refinance your home loan or investment loans by comparing lender offers and managing the entire refinance process to reduce repayments or release equity.
Does Stellar Finance Group offer annual reviews for my loan strategy?
Yes. We provide proactive annual reviews or more frequent check-ins to ensure your loan structure remains aligned with your evolving career, financial goals, and market conditions, helping you build wealth strategically.
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
Speak to Us
Specialist Mortgage Broker for Australian Engineers
Contact Stellar Finance Group today, your reliable partner for tailored, professional mortgage advice. Whether for your first home loan, refinancing, or an investment property, we’re here to guide you every step of the way.