Best Deal

Star Gold

A home loan with all the features and a Super Low Rate

Find Out More

Star Essentials

No-Frills Owner Occupied Loan

2.04%

Interest rate p.a 1a
(Principal and Interest)"

2.07%

Comparison rate p.a 1a,2


  • Up to 80% LVR
  • Unrestricted Extra Repayments
  • Free Online Redraws
  • Pay Anyone & BPAY® Available
  • Multiple Loan Splits Possible
  • Weekly, Fortnightly or Monthly Repayments
  • Schedule Recurring Payments or Transfers
View Product

Most Popular

Star Gold

Home Loan with all the features

1.79%

Interest rate p.a 1a
(Principal and Interest)"

1.84%

Comparison rate p.a 1a,2


  • Up to 60% LVR
  • Offset Account
  • Visa Debit
  • Unrestricted Extra Repayments
  • Free Online Redraws
  • Pay Anyone & BPAY® Available
  • Multiple Loan Splits Possible
  • Weekly, Fortnightly or Monthly Repayments
  • Schedule Recurring Payments or Transfers
View Product

Star Classic

Full Features Owner Occupied

2.14%

Interest rate p.a 1a
(Principal and Interest)"

2.17%

Comparison rate p.a 1a,2


  • Up to 80% LVR
  • Offset Account
  • Visa Debit
  • Unrestricted Extra Repayments
  • Free Online Redraws
  • Pay Anyone & BPAY® Available
  • Multiple Loan Splits Possible
  • Weekly, Fortnightly or Monthly Repayments
  • Schedule Recurring Payments or Transfers
View Product

Are you Ready to Save? We’ve made it Easy

1

Fast & Effortless to Apply

Simply place an enquiry online or call us
2

Speak over the phone (at your convenience)

with one of our Loan Specialists
3

Feel Fully Supported

Throughout the process

After Settlement

Enjoy the Savings!

Check out our other Calculators

Check out some of the other calculators we have available, for example switching to fortnightly re-payments could save you $$$ over the lifetime of your loan.

Take Me There
  • Home Loan Repayment
  • Stamp Duty
  • Loan Comparison
  • Mortgage Switching
  • Extra Repayments
  • Borrowing Power
  • Home Loan Offset
  • Budget Planner Calculator
  • Rent vs Buy Calculator
  • Split Loan Repayments

Award Winning Lender

Got questions?

What do I need to know before applying?

All you need to begin your application online are details of your income, current credit obligations (like personal loans and car loans), available credit limits (from credit cards, store cards and interest fee accounts) and the amount you are looking to borrow.

Can I apply for a Homestar home loan face-to-face with a lending specialist?

In general, we do not offer face-to-face appointments because this would significantly add to the cost of providing you with your loan. We would need to pass this cost on to you in the form of higher interest rates or fees – which we really do not want to do! Our Lending Specialists use great loan processing technology so that we can do all the things that you would typically expect in a face-to-face loan application process by phone- and we can do it in a fraction of the time that a face-to- face meeting would take.

What is Lenders Mortgage Insurance (LMI)?

Lenders Mortgage Insurance (LMI) is insurance that protects the lender in the event the borrower defaults and the security property is sold and the funds from the proceeds of the sale are not enough to discharge the loan. The LMI then pays the Lender the shortfall.  The rights to recover the shortfall from all of the parties on the loan (borrowers) are then transferred across to the LMI who will pursue the shortfall. The cost of LMI insurance is a one off payment at the start of the loan. It is usually added to the loan amount and should not be confused with Building Insurance or Income Protection Insurance

What is a Comparison Rate?

A comparison rate is a legislated calculation which gives consumers an idea of the actual cost of the loan, as it includes the interest rate and the standard fees applicable to that loan. It avoids consumers being misled by lenders advertising a lower interest rate, but charging high fees to compensate for the low rate.

1 Rates shown apply to new eligible home loans only, loan and LVR 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..

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.

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 25th May 2021 which is subject to change without notice. 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. 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