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Owner Occupied Home Loan
Homestar Finance was awarded the 2017 Non-Bank Lender of the Year. Our Owner Occupied home loans are ideal for people who want a low rate but with all the benefits. Our loans have no application fees, no monthly fees and no annual fees.
Rates From:
3.54% 3.94% 3.94% 3.94% 3.94% 4.14% 4.34%
3.79% 4.19% 4.19% 4.19% 4.19% 4.39% 4.59%
Interest rate p.a.1
3.58% 3.62% 3.62% 3.65% 3.68% 3.78% 3.91%
3.83% 3.87% 3.87% 3.90% 3.93% 4.03% 4.16%
Comparison rate p.a.1
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Repayment Method
Principal and Interest Interest OnlyRate Type
Variable FixedLoan Term
1 2 3 4 5Variable Owner Occupied Home Loan
- Redraw facility
- 100% Offset account
- Visa Debit ATM card
- Internet Banking
- Maximum LVR of 80%
Fixed Owner Occupied Home Loan
- Maximum LVR of 80%
- Extra repayments of $20,000 per annum
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 |
Variable Rate | Fixed Rate |
| 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 |
Variable Rate | Fixed Rate |
| Monthly Fee | $0 | $0 |
| Annual Fee | $0 | $0 |
| Discharge 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.
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 | ✓ | ✓ |
| Phone Banking | ✓ | ✓ |
| BPay® | ✓ | ✓ |
Loan Setup Fees |
Variable Rate | Fixed Rate |
| 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 |
Variable Rate | Fixed Rate |
| Monthly Fee | $0 | $0 |
| Annual Fee | $0 | $0 |
| Discharge 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.