5.24
%
p.a.
5.24
%
p.a.
5.64
%
p.a.
5.67
%
p.a.
Are you looking to refinance your home loan?
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Have you been repaying your home loan for 12 months?
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Are you paying a higher interest rate somewhere else?
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Do you already have at least 20% equity in your property?
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Are you borrowing under your name or with one other person?
Yes? You could be eligible to switch with an Easy Refi3!
Better off
We can move you fast if your home loan interest rate and repayments will be lower at Homestar.
Easy process
Switch easily, with less paperwork using our new streamlined Easy Refi process.
Help all the way
Our team of loan specialists will be on hand to guide you through application and approval.
Better off
We can move you fast if your home loan interest rate and repayments will be lower at Homestar.
Easy process
Switch easily, with less paperwork using our new streamlined Easy Refi process.
Help all the way
Our team of loan specialists will be on hand to guide you through application and approval.
Am I eligible to switch with an Easy Refi?
Key Easy Refi eligibility criteria
To apply for an Easy Refi with Homestar, you need to be:
- An Australian Citizen or a Permanent Resident of Australia
- Have a good credit history
- Refinancing a loan to a maximum value of $3.5 million Refinancing a home loan with a maximum LVR of 80%.
- Please note a full credit check will be undertaken as part of your refinance application and applications are subject to our eligibility criteria at the time of the application.
Is Easy Refi for owner occupiers and investors?
Yes, if you’re not investing through an SMSF.
Is Easy Refi for PAYG and self-employed borrowers?
PAYG and self-employed borrowers are accepted.
Not refinancing? Don’t tick all the boxes? No problem!
Whether you want to buy your first property, invest in property for the future, or build your dream home – we can help.
Refinance
Buy my first property
Purchase
Investment
NDIS loan
Build my dream home
Invest through an SMSF
You’ll get more than a better deal
We pack our home loans full of features (not fees), and back it with awesome service and support from Homestar’s humans.
Market-leading rates
We offer competitive rates to suit all refinancing needs.
Say goodbye to pesky fees
No application fee, no annual fee, no monthly fee, and no offset fees.
Managing your finances is a breeze
Be in control of your money with our online platform, digital wallet and Visa Debit Card.
Smooth and easy application process
All wrapped up in just a few days with the help of your dedicated loan specialist.
You call the shots
Pay fortnightly or weekly over monthly and save. Repay extra any time.
Bonus features to help you thrive
Split your loan into multiple portions and get up to four free offset accounts.
You’ll be in
safe hands
Homestar is part of one of Australia’s largest non-bank lenders, ColCap Financial, which has been challenging the banks to offer better borrower deals since 2006.
With Homestar, you’ll be joining a tribe of 100,000+ customers who’ve already had their home ownership and investment ambitions made possible by ColCap Financial.
Our disclaimers
1 Rates shown apply to new eligible Owner Occupieda or Investmentb home loans only, up to 80% LVR, loan amounts up to 3,500,000. 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 Finance 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 $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 Please note a full credit check will be undertaken as part of your refinance application and applications are subject to our eligibility criteria at the time of the application.
4 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.
5 Discharge fee is waived if loan reaches full term as per the loan agreement. 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 5th January 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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