Buy Down Home Loan
Canstar Outstanding Value Awards
2021, 2022 and 2025
Award-winning market-leading home loan rates
No application, annual, monthly or offset account fees
Weekly, fortnightly or monthly repayments
Up to four free offset accounts
Visa Debit card
Split the loan across multiple portions
Digital wallet
Extra repayments at any time (with free redraw)
Dedicated loan specialist
Easy online account management
An explanatory brochure on the Buy Down Home Loan
Please review our explanatory brochure to gain more information about the Buy Down Home Loan. This will help you understand how Homestar Finance and ALAND Finance are able to offer up to 100% LVR home loans at exceptionally low rates.
We’ll do more than just
get you a better deal.
At Homestar Finance, we help property owners get a better deal – with market leading rates, personalised service and loans packed with features (not fees).
Get more of what you want (and less of what you don’t) with Homestar Finance.
Experience a smooth and easy
application process.
Say goodbye to pesky fees. No application,
annual, monthly or offset fees.
Don’t be tied to monthly repayments. Make fortnightly or weekly repayments where you’ll save more.
And pay extra at any time
(with free redraw on the extra repaid).
Managing your finances is a breeze with our online platform, digital wallet and Visa Debit card.
Fees |
|||
|---|---|---|---|
| Application Fee | $0 | PEXA Fee | $66.331 |
| Annual / Monthly Fee | $0 | Government charges | At Cost1 |
| Valuation Fee | $0 | Disbursements | $1501 |
| Settlement fee | $0 | Loan Account Variation Fee | $150 |
| Loan Establishment Fee | $0 | Loan Facility Variation Fee | $300 |
| Discharge Fee | $5952 | ||
Fees |
|||
|---|---|---|---|
| Application Fee | $0 | ||
| Annual / Monthly Fee | $0 | ||
| Valuation Fee | $0 | ||
| Settlement fee | $0 | ||
| Loan Establishment Fee | $0 | ||
| Government charges | $66.331 | ||
| Government charges | At Cost1 | ||
| Disbursements | $1501 | ||
| Loan Account Variation Fee | $150 | ||
| Loan Facility Variation Fee | $300 | ||
| Discharge Fee | $5952 | ||
Why choose Homestar Finance?
Australians deserve a better deal. That’s why we’ve been challenging the market and rewriting the rulebook, since 2004.
We listen and understand what’s important to property owners, they want to save money and be treated like a person, not a number.
At Homestar our market leading rates and personalised service are just part of the deal. Our award winning products adapt to your changing needs and help you thrive.
Multiple Award
Winning Lender
Canstar Outstanding Value –
Variable Home Lender 2025
Mozo Experts Choice Award
2023
Canstar Outstanding Value Home
Loan Awards 2021 & 2022
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! Continue Reading
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. Continue Reading
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. Continue Reading
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. Continue Reading
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. Continue Reading
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 refinancing options
Our disclaimers
1 Third party cost(s) incurred by service providers are payable and may vary or increase depending on the service provider, nature of the service and requests. Any additional costs are passed on directly to the applicant(s). If there is a variation or an increase, a separate quote will be provided.
2 Discharge fee is waived if loan reaches full term as per the loan agreement.
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.
You may choose to pay the premium fee for a further discounted rate. Speak to your Lending Specialist or ALAND Finance for more information.
The offset facility and extra repayments have a combined limit of $20,000 per year while the loan is fixed. If this limit is exceeded, a break cost will apply. Refer to Fact Sheet: Break Cost to find out more.
Other fees and charges may apply or vary. Please refer to the full loan agreement for a detailed breakdown.
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.
Ⓡ Registered to BPAY Pty Ltd ABN 69 079 137 518
ALAND Financial Solutions Pty Ltd is the representive of Allied Financial Consulting Pty Ltd, which holds Australian Credit Licence 393845 issued by ASIC
