Hot Rate Home Loan

You must be thinking that our rates can’t get any lower right? The excitement does not stop there — we offer exclusive hot rates for customers with a maximum LVR of 70%! Our Hot Rate Home Loan products offer one of the lowest interest rates in the home loan market without compromising on features and service. But hurry, these Hot Rate Home Loan products are only available for a limited time only- speak to a Loan Specialist today!

Owner Occupied

3.49%

Interest Rate p.a.1

3.53%

Comparison rate p.a.1

hot-rate

Investment Property

3.74%

Interest Rate p.a.1

3.78%

Comparison rate p.a.1

Principal & Interest (P&I)

INTEREST RATE P.A.1 COMPARISON RATE P.A.1
Variable 3.49% 3.53%
Fixed 1 year 3.89% 3.57%
2 years 3.89% 3.60%
3 years 3.89% 3.63%
4 years 4.09% 3.73%
5 years 4.29% 3.86%

Interest Only (I/O)

INTEREST RATE P.A.1 COMPARISON RATE P.A.1
Variable 3.74% 3.78%
Fixed 1 year 4.14% 3.82%
2 years 4.14% 3.85%
3 years 4.14% 3.88%
4 years 4.34% 3.98%
5 years 4.54% 4.11%

Variable Owner Occupied Home Loan

  • Redraw facility
  • 100% Offset account
  • Visa Debit ATM card
  • Internet Banking
  • Maximum LVR of 70%

Fixed Owner Occupied Home Loan

  • Maximum LVR of 70%
  • Extra repayments of $20,000 per annum

Principal & Interest (P&I)

INTEREST RATE P.A.1 COMPARISON RATE P.A.1
Variable 3.74% 3.78%
Fixed 1 year 4.14% 3.82%
2 years 4.14% 3.85%
3 years 4.14% 3.88%
4 years 4.34% 3.98%
5 years 4.54% 4.11%

Interest Only (I/O)

INTEREST RATE P.A.1 COMPARISON RATE P.A.1
Variable 3.89% 3.93%
Fixed 1 year 4.29% 3.97%
2 years 4.29% 4.00%
3 years 4.29% 4.04%
4 years 4.49% 4.13%
5 years 4.69% 4.26%

Variable Investment Home Loan

  • Offset account
  • Redraw facility
  • Split accounts
  • Visa Debit ATM card
  • Maximum LVR of 70%

Fixed Investment Home Loan

  • Maximum LVR of 70%
  • Extra repayments of $20,000 per annum

Key Features and Fees

Principal & Interest (P&I)

Key Features

Variable Rate Fixed Rate
Offset Account
Redraw Facility
Repayments (W, F, M) (W,F,M) (W,F,M)
Split Accounts
Extra Repayments Max $20,000 pa
Debit ATM Card
Internet Banking
BPay®

Loan Setup Fees

Application Fee $0 $0
Valuation Fee $303.082 $303.082
Legal Documentation Fee $3302,3 $3302,3
Fixed Rate Lock In fee (optional) $395

Fees

Monthly Fee $0 $0
Annual Fee $0 $0

Post Settlement Fees

Loan Account Variation Fee $150 $150
Loan Facility Variation Fee $300 plus Third Party Costs2 $300 plus Third Party Costs2
Fixed Rate Lock Fee $395 per request
Lender Facility Fee N/A N/A
Settlement Cancellation Fee $300 $300
Break Costs (Fixed Loans) Undeterminable
Manual Redraw Fee $25 $25
Ad Hoc Statement Fee $15 $15
Discharge Administration Fee $535 $535

Interest Only (I/O)

Key Features

Variable Rate Fixed Rate
Offset Account
Redraw Facility
Repayments (W, F, M) (M) (M)
Split Accounts
Extra Repayments Max $20,000 pa
Debit ATM Card
Internet Banking
BPay®

Loan Setup Fees

Application Fee $0 $0
Valuation Fee $303.082 $303.082
Legal Documentation Fee $3302,3 $3302,3
Fixed Rate Lock In fee (optional) $395

Fees

Monthly Fee $0 $0
Annual Fee $0 $0

Post Settlement Fees

Loan Account Variation Fee $150 $150
Loan Facility Variation Fee $300 plus Third Party Costs2 $300 plus Third Party Costs2
Fixed Rate Lock Fee $395 per request
Lender Facility Fee N/A N/A
Settlement Cancellation Fee $300 $300
Break Costs (Fixed Loans) Undeterminable
Manual Redraw Fee $25 $25
Ad Hoc Statement Fee $15 $15
Discharge Administration Fee $535 $535
  1. Rates shown apply to new loans only and may change at any time. Existing borrowers may have different interest rates which depended on the rate offered to the borrower at the date when a home loan settled and any reductions or increases the lender decided to make on the existing loan over time. Accordingly, there is not one standard variable rate that applies to all Homestar home loans and existing customers can confirm their current rate (s) by logging in to internet banking or by contacting customer service.
    Terms, conditions and eligibility criteria apply.
    Comparison rates are based on a basic Homestar loan, on a $150,000 loan amount over 25 years.
  2. Third Party Costs: cost/s incurred by services provider/s external to Origin Mortgage Management Services and will vary depending on the nature of the service and request. These cost/s are passed on directly to the applicant/s.
  3. Disbursements payable.