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Easy Refinance

With Easy Refinance it’s quick and easy, with less paperwork.
You can have your approval ready within three days!

 

SMSF home loan

Use your self-managed super fund to get into the property investment market. Take advantage of our simplified lending process.

 

Award-winning provider

For Aussies everywhere, here’s why we are the people’s choice of home loan provider

 

Looking to lower your home loan balance?

Ask about our Star Gold home loan. Get one
of the lowest interest rates, plus save on fees

*Refer to our fees table. Disbursement costs and Government charges still apply.

 

Pre-approval for a home loan

Fast-track your home loan qualification
process in 4 easy steps.

 

Get our mobile app now!

Enjoy the convenience of managing
your payments from wherever you are


Download on the App Store Get it on Google Play

 

Easy Refinance

With Easy Refinance it’s quick and easy, with less paperwork. You can have your approval ready within three days!

 

SMSF home loan

Use your self-managed super fund to get into the property investment market. Take advantage of our simplified lending process.

 

SMSF home loan

Use your self-managed super fund to get into the property investment market. Take advantage of our simplified lending process.

 

Award-winning
provider

For Aussies everywhere, here’s why
we are the people’s choice of home loan provider

 

Looking to lower your home loan balance?

Ask about our Star Gold home loan. Get one of the lowest interest rates, plus save on fees.
*Refer to our fees table. Disbursement costs and Government charges still apply

 

Pre-approval for a home loan

Fast-track your home loan qualification process in 4 easy steps.

 

Get our mobile app now!

Enjoy the convenience of managing your payments from wherever you are.

I'm looking to refinance

I’m looking
to refinance

I want to buy an investment property

I want to buy an
investment property

I'm buying my first home

I’m buying my
first home

I'm comparing home loans

I’m comparing
home loans

I'd like to pre-approval for a home loan

I’d like a pre-approval
for a home loan

I’m experiencing financial hardship

I’m experiencing
financial hardship

Expert Home Loan Lenders Australia

Explore our market-leading range of mortgage options, rates and features: 

Star Gold

Variable principal & interest

5.99%

Interest rate p.a.1a

5.99%

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
Find out more

Star Choice

Principal & interest

6.59%

Interest rate p.a.1a

6.26%

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
Find out more

Star Classic

Variable principal & interest

6.09%

Interest rate p.a.1a

6.09%

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
Find out more

Star Classic Fixed

Fixed principal & interest

6.95%

Interest rate p.a.1a

6.21%

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
Find out more

Star Essentials

Variable principal & interest

5.99%

Interest rate p.a.1a

5.99%

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
Find out more

Star Classic

Variable principle and interest

6.39%

Interest rate p.a.1b

6.42%

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
Find out more

Star Classic

Variable interest only

6.79%

Interest rate p.a.1b

6.82%

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
Find out more

Star Classic Fixed

Fixed principal & interest from

7.35%

Interest rate p.a.1b

6.52%

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
Find out more

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.

Enquire now
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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: 

flexible payments illustration
  • 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
offset accounts illustration
  • 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 
redraw illustration
  • 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 
HSF VISA Debit Card illustration
  • 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
online access
  • 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.

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Mozo Experts Choice Award 2023

Investor Home Loan

award icon
Canstar Outstanding Value Home Loan Awards 2022

Home Lender

award icon
Canstar Outstanding Value Home Loan Awards 2021

Variable Home Lender

award icon
Canstar Outstanding Value Home Loan Awards 2022

Variable Home Lender

award icon
Canstar Outstanding Value Home Loan Awards 2021

Investment Variable Home Lender

award icon
Canstar Outstanding Value Home Loan Awards 2022

Investment Variable Home Lender

An illustration of awards

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.

calc-1

Home loan repayment calculator

calc-2

Refinance
calculator

calc-3

Loan comparison
calculator

calc-4

Stamp duty
calculator

calc-5

Extra repayments
calculator

Explore more
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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.

1

Give us a call on 1300 462 209

or fill in the contact us form or chat online
2

Talk to our sales assessment team

they will guide you step-by-step with all the information that's needed
3

Meet your dedicated loan specialist

discuss your needs and select a home loan that's right for you
4

Pre-approval with ease

receive your offer, and enjoy shopping for a property with confidence
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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.

    Home loan enquiry

    Get started. Want to apply or have a chat? Complete the form below, and we’ll contact you within 24 hours.








    Explore our library of articles related to your property and investment journey

    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.

    6This is a limited time special, applications must be received by the 30th June and Settled by the 31st July. Homestar may withdraw this offer at any time without notice.


    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 18th April 2024 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.

    Registered to BPAY Pty Ltd ABN 69 079 137 518