I’m looking
to refinance
Expert Home Loan Lenders Australia
Explore our market-leading range of mortgage options, rates and features:
Star Gold
Variable principal & interest
5.98%
Interest rate p.a.1a
5.98%
Comparison rate p.a.1a,2
- Zero fees*
- Up to 70% LVR
- Offset account
- Weekly, fortnightly or monthly repayments
- Visa Debit card provided with ATM access
- Unrestricted extra repayments
- Free online redraws
- Multiple loan splits possible
- Pay anyone, BPAY® and digital wallet payments
- Schedule recurring payments or transfers
Star Choice
Principal & interest
6.75%
Interest rate p.a.1a
6.42%
Comparison rate p.a.1a,2
- Revert rate features
- Up to 90% LVR
- Offset account
- Weekly, fortnightly or monthly repayments
- Visa Debit card with ATM access
- Unrestricted extra repayments
- Free online redraws
- Multiple loan splits
- Pay Anyone, BPAY® and digital wallet payments
- Schedule recurring payments or transfers
- Lender Paid LMI
Star Classic
Variable principal & interest
6.35%
Interest rate p.a.1a
6.38%
Comparison rate p.a.1a,2
- Up to 80% LVR
- Offset account
- Weekly, fortnightly or monthly repayments
- Visa Debit card with ATM access
- Unrestricted extra repayments
- Free online redraws
- Multiple loan splits
- Pay anyone, BPAY® and digital wallet payments
- Schedule recurring payments or transfers
Star Classic Fixed
Fixed principal & interest
6.95%
Interest rate p.a.1a
6.79%
Comparison rate p.a.1a,2
- Up to 80% LVR
- Weekly, fortnightly or monthly repayments
- Extra repayments up to 20k p.a.
- Free online redraws
- Multiple loan splits
- Pay anyone, BPAY® and digital wallet payments
- Schedule recurring payments or transfers
Star Essentials
Variable principal & interest
6.25%
Interest rate p.a.1a
6.28%
Comparison rate p.a.1a,2
- Up to 80% LVR
- Weekly, fortnightly or monthly repayments
- Unrestricted extra repayments
- Free online redraws
- Multiple loan splits
- Pay anyone, BPAY® and digital wallet access
- Schedule recurring payments or transfers
Star Classic
Variable principle and interest
6.55%
Interest rate p.a.1b
6.58%
Comparison rate p.a.1b,2
- Up to 80% LVR
- Offset Account
- Visa Debit Card Provided with ATM Access
- Unrestricted Extra Repayments
- Free Online Redraws
- Pay Anyone & BPAY® Available
- Multiple Loan Splits Possible
- Weekly, Fortnightly or Monthly Repayments
- Schedule Recurring Payments or Transfers
Star Classic
Variable interest only
6.95%
Interest rate p.a.1b
7.03%
Comparison rate p.a.1b,2
- Up to 80% LVR
- Offset Account
- Visa Debit Card Provided with ATM Access
- Unrestricted Extra Repayments
- Free Online Redraws
- Pay Anyone & BPAY® Available
- Multiple Loan Splits Possible
- Monthly Repayments Only
- Schedule Recurring Payments or Transfers
Star Classic Fixed
Fixed principal & interest from
7.35%
Interest rate p.a.1b
7.01%
Comparison rate p.a.1b,2
- Up to 80% LVR
- Extra Repayments up to 20k p.a.
- Free Online Redraws
- Pay Anyone & BPAY® Available
- Multiple Loan Splits Possible
- Weekly, Fortnightly or Monthly Repayments
- Schedule Recurring Payments or Transfers
We’re here, and we’re ready
to work with you
With personalised service and a smoother, faster application process, Homestar Finance reduce the hassle that comes with the money side of home ownership while our competitive home loan rates help make Australian home ownership more affordable.
Get access to a range of additional benefits
Some of our mortgage options can offer greater flexibility of loan terms, while others can help you pay off a loan faster. Your Homestar Finance loan specialist will help find the best home loan deal for you. Here are just a few of the features available:
- Weekly, fortnightly or monthly repayment options
- Unlimited additional repayments on our Variable Home Loans, making it easier than ever to pay off your home loan faster
- On our Fixed Rate Home Loans you can make additional repayments to a maximum amount of $20,000 per annum
- Split your home loan up to four ways, including the option of fixed or variable
- Every split can have an individual offset account. With up to four offset accounts, so that keeping track of your savings and spending stays easy
- Should you need to access your funds, you can do so as many times as you like
- Redraw options available via our online access platform
- Keep your funds at your fingertips. With the Homestar Finance VISA Debit card, you can access your money from anywhere that accepts VISA
- No fees for card set-up or usage
- Cash withdrawals are free when using any major bank ATM networks
- Homestar Finance provides our customers with a real-time online platform to help you access all your information
- View your transactions and balances easily in a single place
We're an award winning lender
Homestar Finance has been providing Australians with competitive and customer-focused home loan solutions since 2004.
Our dedicated team of loan specialists are there to support you through your home loan journey, and take the time to get to know you so we can offer our customers a personalised service – making it easy to find a home loan solution that suits you.
Investor Home Loan
Home Lender
Variable Home Lender
Variable Home Lender
Investment Variable Home Lender
Investment Variable Home Lender
Great rates. Great service. Where customers feel at home.
Our home loan calculators
Whether you want to know the stamp duty, how much you could save by refinancing your home loan or if it’s better to rent or buy, our range of home loan calculators and tools can help provide the information you need to make the most informed home loan decision.
Ready to get started? It’s simple!
Your home loan pre-approval application can be done completely online via our form with no paperwork involved!
The form takes only 5 minutes to complete, and you can save your progress and finish at any time.

Let’s get to know each other!
Talk to us about your home loan needs and we will package up a home loan with the features you want and tailor the rate to your circumstance.
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1 Rates shown apply to new eligible Owner Occupieda or Investment home loansb only, loan limits may apply depending on your product (refer to the product page) and at least one applicant is on PAYG employment. For fixed rate loans, after the fixed rate term, a variable rate will apply. Rates are subject to change without notice. Existing borrowers may have different interest rates which are dependent 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.
2 Comparison rates are based on a basic Homestar loan, on a $150,000 loan amount over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
3 Third party cost(s) incurred by service provider(s) are payable and may vary or increase depending on the service provider, nature of the service and request. Any additional cost(s) are passed on directly to the applicants(s). If there is a variation or an increase, a separate quote will be provided..
4 Disbursements may also be payable.
Other fees and charges may apply.
DISCLAIMER: Terms, conditions and eligibility criteria apply to all our loan products and features. Fees, charges and disbursements are payable. Final approval is subject to credit assessment. Information valid as at 15th November 2023 which is subject to change without notice. Please consider if the product is appropriate for your individual circumstances. If you need assistance or have any questions about a product or feature and its suitability, please contact our Loan Specialists.
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