

No matter how much you love a property, you need to base your decision on more than gut feel. See if you can get hold of a suburb profile, which can help you get a clearer picture of the neighbourhood and estimated sale/rental prices.
Make sure you’ve seen enough potential properties to know what works for you, and what doesn’t. Check out how much similar properties in the area sell for – in good times and bad.
You should also check out the lifestyle factors you need today, like public transport and local facilities, or maybe tomorrow, like access to schools and hospitals. You should also try and find out if there are any development applications nearby that could impact the property in the future.
If you’re buying an apartment, be sure to get hold of the strata report- in advance to discover any upcoming maintenance projects that could affect your strata costs. If you’re buying a house, an up–to–date building condition and pest inspection report is essential.
Discover the possibilities with our mortgage calculator. Get an estimate of how much you could afford to borrow based on your lifestyle.
Calculate your borrowing power at an early stage to help narrow down your property search to things you can afford. Our Borrowing Power calculator can help you see the maximum amount you’re eligible to borrow.
A good place to start is to get an idea of how much you might be able to borrow. Then you’ll not only be able to take a look at what’s on the market in your price range, you’ll also have some indication of what size deposit you’ll need. Generally, most lenders like a 20% deposit of the purchase price of the property. If you have less than 20% deposit but you’re still keen to purchase, there are options available that could help you buy a property sooner.
Explore our market-leading range of home loan options, rates and features:
Star Gold
Variable Principal & Interest
1.79%
Interest rate p.a.1a
1.84%
Comparison rate p.a.1a,2
Star Essentials
Variable Principal & Interest
2.24%
Interest rate p.a.1a
2.27%
Comparison rate p.a.1a,2
Star Classic
Variable Principal & Interest
2.34%
Interest rate p.a.1a
2.37%
Comparison rate p.a.1a,2
Star Classic Fixed
Fixed Principal & Interest From
5.14%
Interest rate p.a.1a
2.62%
Comparison rate p.a.1a,2
Star Classic
Variable Principal & Interest
2.54%
Interest rate p.a.1b
2.57%
Comparison rate p.a.1b,2
Star Classic
Variable Interest Only
2.84%
Interest rate p.a.1b
2.87%
Comparison rate p.a.1b,2
Star Classic Fixed
Fixed Principal & Interest From
5.34%
Interest rate p.a.1b
2.82%
Comparison rate p.a.1b,2
The First Home Owner Grant (FHOG) is a national scheme funded by the states and territories introduced to offset the effect of GST for first home buyers on buying their first home. Each state and territory differ in amount and have their own criteria for eligibility.
Each state and Territory have different amounts for the First Home Owner Grant. Click any of the below links for more info on your State or Territory.
Australian Capital Territory | New South Wales | Queensland | Victoria | South Australia | Western Australia | Northern Territory
Fast-track your home loan qualification process in 4 easy steps.
Our dedicated team of Home Loan Specialists take the time to get to know you so we can offer every one of our customers personalised service – making it easy to find a home loan that’s right for you. Whether it’s your first home, you’re looking to refinance or finding an investment property, Homestar’s award-winning deals are here to help.
1 Rates shown apply to new eligible Owner Occupieda or Investment loansb only, loan limits may apply depending on your product (refer to the product page) and at least one applicant is on PAYG employment. After a fixed rate term, a variable rate will apply. 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 12th May 2022 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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