STAC Home

We’re excited to welcome Lachlan Papasavas to the STAC team!

Lachlan joins as Mortgage Broker, bringing 6 years experience across residential lending, first-home buyer support, investor finance, SMSF lending and self-employed lending.

With a strong focus on transparency & education, Lachlan supports clients through every stage of their evolving finance goals.

He’ll be focused on supporting clients across refinancing, pre-approvals and purchases, while helping make the journey to settlement as smooth and stress-free as possible.

At STAC Home, we’re proud to become more than just a service provider - we aim to be a genuine partner on every journey. Thanks to Emmy-Lou Stringfellow for the kind words and ongoing trust.

Professional, efficient, and easy to work with – that’s what you can expect when you work with us.

Siblings Buying Together: One Property, Two Households 🏡🏡

This scenario involved two siblings and one of their partners coming together to purchase a dual dwelling home, allowing both households to live under one property while keeping everything clearly structured.

As first home buyers with a limited deposit, the strategy needed to balance cash contributions, ownership structure and lender requirements.

Here’s how it was structured:

• $1.437M loan, including LMI, at 90% LVR
• 2 PAYG applicants + 1 self-employed applicant
• Most recent year income used for servicing
• Deposit contributed across all 3 applicants
• Loan splits aligned to each person’s contribution
• All 3 applicants on title and loan

What this achieved:

• Secured a dual dwelling property for two separate households
• Enabled entry into the market with a lower deposit
• Structured ownership and lending to reflect each party’s position
• Balanced PAYG and self-employed income into one cohesive application

A practical structure that brought multiple borrowers together with clarity and alignment from the outset.

Looking to purchase with siblings or combine households? Let’s map it out.

At .home, we’re all about clear advice, genuine support, and making finance feel simple - just as Anthony delivered for Steve.

With deep knowledge and a no-fuss approach, they helped Steve navigate his finance needs with confidence.

Thanks for the kind words, Steve - we’re glad to have been part of the process.

Ready to work with a team that makes it easy? Let’s chat.

When it comes to securing finance across multiple lenders, having a broker who knows how to get deals across the line is everything. At STAC Capital, that's what Anthony and the team do every day.

Thanks to Brendan for the kind words. Anthony loved working through multiple loans and lenders to get the right outcomes for you and looks forward to continuing to support your journey.

Buying Through a Trust or Company? We’ve Got You Covered.

Some brokers focus solely on standard home loans. At STAC Home, we go further - helping clients secure lending solutions that account for the full complexity of their financial structures.

Whether you're purchasing through:

• A trust or company entity
• A self-employed income stream
• Or navigating both personal and business liabilities

We take a holistic approach - structuring home loans that reflect your actual financial position, not just what's shown on a payslip.

If your situation doesn’t fit inside a tick-box application, we’ll help you tell the right story to the right lender - and get the deal done.

Residential Apartment Finance | Low Doc, 80% LVR, Valuation $400k Short

We just settled a residential apartment purchase in Woody Point for a client whose strategy hinged on accessing 80% LVR through a low-doc loan supported by an accountant's letter.

Here's what made this deal complex
- First valuation came in $400k under the contract price - ruling out the initial lender entirely
- Low-doc lending at 80% LVR on apartments in this area meant a very short list of options
- Settlement timelines were tight, with a significant deposit at risk

Here's how we got it done:
- Released equity from an existing commercial property to fund the deposit and costs
- Sourced a valuer and lender willing to support the contract price
Worked closely with both the lender and seller to protect the settlement date
- Simultaneously refinanced and consolidated existing commercial debt, releasing further equity to support the purchase

The result - the client completed the purchase at a highly competitive rate, with a structure that fits their broader investment strategy. Without it, they were looking at losing a substantial deposit.

At STAC Capital, it's never just about the finance. It's about protecting the opportunity and delivering certainty when it matters most.

DM us or visit staccapital.com.au

Buying the Family Home with a Little Help? Here's How We Made It Work.

A returning client - who we’d previously assisted with finance for their business - reached out for support in securing a home loan for their new family home.

They needed a lender who could:

- Offer a sharp rate with flexible loan features
- Accept a gifted deposit from family
- Provide a smooth, straightforward approval process

We matched them with a major bank that ticked all the boxes - offering a flexible loan structure, competitive pricing, and the ability to proceed with a gifted deposit. The loan was set up on a variable P&I package with offset, making it a great fit for their needs both now and in the future.

With the right setup in place and no hurdles around their contribution source, they’re now comfortably settled in their new home.

If you're planning a move and working with a gifted deposit, we’ll help you structure it the right way from day one.