Star Classic
Variable
Up to 70% LVR 5
5.49
%
p.a.
5.49
%
p.a.
Great rates. Great savings. Great service.
Market leading rates
Up to 90% LVR
Say goodbye to pesky fees
Split loan into multiple portions
Digital wallet and Visa Debit card
Weekly, fortnightly or monthly repayments
Flexible features
Up to four free offset accounts
View our owner occupied product brochure
Explore your options
Wondering how much your repayments will be each month?
Our calculator can crunch the numbers for you.
Let's explore some of the options.
Enter loan amount
$
Loan purpose
Interest Rate
Your
repayments could be:
$
Owner occupier, principal & interest, 30 year loan term. Based on interest rate of 5.49%2a and comparison rate of 5.49%2a,^
Owner occupier, principal & interest, 30 year loan term. Based on interest rate of 5.59%2a and comparison rate of 5.59%2a,^
Owner occupier, principal & interest, 30 year loan term. Based on interest rate of 5.69%2a and comparison rate of 5.66%2a,^
Owner occupier, principal & interest, 30 year loan term. Lenders Mortgage Insurance still to be applied. Based on interest rate of 5.99%2a and comparison rate of 5.99%2a,^
Investment home loan, principal & interest, 30 year loan term. Based on interest rate of 5.89%2b and comparison rate of 5.92%2b,^
Investment home loan, interest only, 30 year loan term. Based on interest rate of 6.29%2b and comparison rate of 6.32%2b,^
Ready to take the next step?
Our loan specialists are ready to help you.
Estimates only. Want to explore how this calculation works?
The results from this calculator should be used as an indication only. Repayment is principal and interest, or interest only, dependent on the product and based on a 30-year loan term. Changes in interest rates, repayment frequency and loan term will affect the repayment and savings amounts.
Fees and charges are payable. It's important to note that the calculations do not consider fees, charges or other amounts that may be charged to your loan. If you borrow more than 80% of the property's value, Lenders Mortgage Insurance may apply. Any additional amounts will increase the repayments and decrease the savings under the loan, so factoring them in is crucial.
Lending is to approved applicants only, and all lending is subject to a detailed credit assessment.
This is general information that does not take into account your objectives, financial situation, or needs. Before acting on it, consider the appropriateness of the information.
Calculate your repayments in more detail by visiting the link below.
Compare our competitive interest rates
Rates and fees
Check out our rates and consider your options.
|
Rates |
||
|---|---|---|
| Loan-to-Value Ratio1 | Interest Rate2 | Comparison Rate^ |
| Variable - Up to 70% LVR1 | 5.49% p.a.2 | 5.49% p.a.^ |
| Variable - Up to 80% LVR1 | 5.59% p.a.2 | 5.59% p.a.^ |
| Variable – Up to 90% LVR1 | 5.99% p.a.2 | 5.99% p.a.^ |
| Fixed (5 years) – Up to 80% LVR1 | 5.69% p.a.2 | 5.66% p.a.^ |
| Fixed (2 year) – Up to 80% LVR1 | 5.39% p.a.2 | 5.58% p.a.^ |
| Fixed (1 year) – Up to 80% LVR1 | 5.39% p.a.2 | 5.60% p.a.^ |
| Variable - Up to 80% LVR - P&I1 | 5.89% p.a.2 | 5.92% p.a.^ |
| Variable - Up to 80% LVR - Interest only1 | 6.29% p.a.2 | 6.32% p.a.^ |
| Fixed (1 Year) - Up to 80% LVR - P&I1 | 5.69% p.a.2 | 5.90% p.a.^ |
1 LVR means ‘Loan to Value Ratio’. It is the amount of your loan divided by the valuation of your property, calculated as a percentage. For example, if you apply for a loan of $400,000, which will be secured by a property valued at $500,000, your LVR is 80%.
2 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. 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.
^ Comparison rates are based 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.
|
Fees |
Owner Occupied Variable Products Principal & Interest |
Owner Occupied Fixed Rate Product Principal & Interest |
Investment Variable Rate Principal & Interest |
Investment Fixed Rate Principal & Interest |
|---|---|---|---|---|
| Application Fee | $0 | $0 | $0 | $0 |
| Annual / Monthly Fee | $0 | $0 | $0 | $0 |
| Valuation Fee (the minimum cost will be covered, any additional expenses incurred due to travel or properties greater than $1m in value may incur a fee) Valuation Fee (the minimum cost will be covered, any additional expenses incurred due to travel or properties greater than $1m in value may incur a fee) | $0 | $0 | $0 | $0 |
| Lenders Legal Preparation Fee | $0 | $0 | $0 | $0 |
| Fixed Rate Lock in Fee (optional) | $0 | $4953 | $0 | $4953 |
| Settlement fee | $0 | $3953,4 | $3953,4 | $3953,4 |
| PEXA Fee | $66.333 | $66.333 | $66.333 | $66.333 |
| Government Charges | At Cost3 | At Cost3 | At Cost3 | At Cost3 |
| Disbursements (including title search fees) | $1503 | $1503 | $1503 | $1503 |
| Discharge Fee | $5955 | $5955 | $5955 | $5955 |
| Break Cost | $0 | Varied6 | $0 | Varied6 |
Other fees and charges may apply.
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.
The benefits of low interest
home loans
When seeking out or comparing home loans, low interest rates are a deciding factor. Home loans are long term debts, usually lasting between 25 and 30 years. Small changes in interest rates can add up to big expenses over time. The interest rate that you pay impacts your monthly repayments and the total amount of money paid for the overall loan. Therefore, low interest rates home loans like Star Classic will help you own your home sooner.
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If you meet certain criteria, you could be eligible for an extra speedy approval.
Why choose Homestar Finance?
Australians deserve a better deal. That’s why we’ve been challenging the market and rewriting the rulebook, since 2004.
By listening and understanding what’s important to property owners, we’ve developed a customer focused approach that helps thousands of property owners feel in control and save money every day.
On top of that, in 2018
Homestar Finance joined leading non-bank lender ColCap Financial Group
making us stronger and more determined than ever.
But what does all that mean for Australian homeowners and property investors? It means, we can focus our full attention on getting you a fair deal.
More about ColCap Financial Group
Columbus Capital Pty Ltd ACN 119 531 252 (Australian Financial Services Licence and Australian Credit Licence 337 303) trading at ColCap Financial Group is a major Australian non-bank lender headquartered in Sydney with offices in London and Manila.
Great customer service and competitive rates
Amazing service from the retention team, they were very efficient, fair and straight to the point. From the moment I first contacted them, to the last step of getting my rate updates in the system, everything was done and dusted within 10 days. I had a lot of queries, so I'm sure they would have done it in less than a week!Read more
by Sandra L. on 20/03/24
Cheap and cheerful home loans
We have been with Homestar for over 5 years now and we are very satisfied with their service. Rates are fantastic too. Some of the cheapest on the market for a full featured mortgage.
We are renovating and have had to top up our loan a few times and Homestar has always been easy to deal with.Read more
by Gabrielle G. on 14/11/24
Great Product and Customer Service
My dealing with Homestar has been exceptional from initial enquiry through to settlement whilst refinancing my SMSF property. By far the sharpest rate in the market with prompt and clear communication the entire way. Highly recommend this lender and SMSF mortgage product.Read more
by Jonathan M. on 14/11/24
John and Michel were fantastic- the entire process was smooth and both were very responsive
Beats any bank hands down. Their Service was top notch and thorough and helped me navigate my way around what could have been a challenging process give mine was spread between a Top Up and an investment loan. Read more
by Michael K. on 21/03/24
Great customer service
I've been a Homestar customer for a few years now, and recently requested a switch to a more competitive product. I've been impressed by the quality of the customer service (especially Regina from the Retentions team), and have had friendly & professional responses throughout the process. Importantly, the turnaround time has been super quick, with minimal time spent on hold / waiting for email responses. Read more
by Tom L. on 22/03/24
Get more than a better deal with Homestar Finance.
For great rates, great savings and great service, Homestar Finance has you covered. Fill in your details to connect with a dedicated lending specialist who will guide you through your purchase or refinancing options.
Our disclaimers
1 LVR means "Loan to Value Ratio". It is the amount of your loan divided by the valuation of your property, calculated as a percentage. For example, if you apply for a loan of $400,000, which will be secured by a property valued at $500,000, your LVR is 80%.
2 Rates shown apply to new eligible Owner Occupieda or Investmentb home loans only, loan limits may apply depending on your product (refer to the product page) and at least one applicant is on PAYG employment. 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.
3Third 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.
4Disbursements may also be payable.
5Discharge fee is waived if loan reaches full term as per the loan agreement.
6The break cost fee varies based on several factors, including the number of days left on the fixed rate period, the amount the market rate has moved, the outstanding loan amount and remaining cash flows. Refer to Fact Sheet: Break Cost to find out more.
^ Comparison rates are based 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.
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 2nd June 2025 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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