The home loan packed with features, not fees!
Home Loan Rates starting from
Home Loan Rates starting from
% p.a.1,2
Variable & comparison rate Principal & interest
Easy Refinancing with just three essential documents. With our dedicated team of loan specialists by your side, you’re set for a seamless and transparent refinancing tailored to your needs.
Mozo Experts Choice Award 2023
Investor Home Loan
Canstar Outstanding Value Home Loan Awards 2022
Home Lender
Variable Home Lender
Investment Variable Home Lender
Canstar Outstanding Value Home Loan Awards 2021
Variable Home Lender
Investment Variable Home Lender
Our award-winning home loans are customised to meet your needs. So you don’t have to pay for home loan features you won’t use. Your dedicated loan specialist will help you tailor a solution for you and help you decide what features you do and don’t need.
Our dedicated team of loan specialists will help build an affordable home loan solution for you.
More than transactions, we value connections. Our commitment is to stand beside you, understanding your needs, and curating a home loan package that echoes your unique circumstances. With Homestar Finance, it’s always a shared journey towards realizing your dream home.
Say “No” to additional lending fees! Why pay more when you don’t have to? Benefit from our straightforward lending process, free from application, monthly, and ongoing charges.
Here at Homestar Finance, we provide you with an uncomplicated and affordable lending experience.
Star Gold | |
Principal & Interest | |
Application Fee | $0 |
Annual / Monthly Fee | $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) | $0 |
Legal Preparation Fee | $0 |
Fixed Rate Lock in Fee (optional) |
$0 |
Settlement Fees | $0 |
PEXA Fee | $66.333,4 |
Government Charges | At Cost3,4 |
Disbursements (including title search fees) | $1503,4 |
Discharge Fee | $ 5955 |
Take a deep dive about your home loan and be more prepared for your next step!
We are always here to guide you on your next investment journey.
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.
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.
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
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.
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.
*Refer to our fees table. Disbursement cost and Government charges still apply. 1 Rates shown apply to new eligible Owner Occupied home loans only, up to 70% LVR, loan amounts minimum of $250,000 and up to $1,000,000 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 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.
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 payable.
5Discharge fee is waived if loan reaches full term as per the loan agreement.
6 Rates shown apply to new eligible SMSF home loans only, up to 70% LVR, loan amount minimum of $150,000 up to max of $1,500,000 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.
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 21st 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.
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