Pre-approval for a home loan

Fast-track your home loan qualification process in 4 easy steps.

Get started

Designed to fit your lifestyle with flexible payment options.
We make it easy for you to apply online and make your property dreams come true.

step 1 laptop with star and phone with chat bubble icon
Start the pre-approval on your desktop or mobile
step 2 form
Fill out the
online form
step 3 confirmed email icon
You’ll receive a confirmation on screen and via email
step 4 woman with chat bubble phone icon
One of our team will be in touch to check in and see if you’d like to proceed

The benefits of our
pre-approval process

  • Take the stress out of your home loan journey
  • Feel confident about your financial situation, whether refinancing or purchasing
  • Takes only 5 minutes to complete
  • You can save and finish at any time
  • No paperwork involved – your application is completely online
a man looking at his phone happily

Not ready to complete your pre-qualification online?

We can give you a call to chat through the details.

Things you should know

We’re here to guide you step-by-step through our pre-approval process. In order to work out how we can help you with your home loan enquiry, we need to determine the following:

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Credit checks

A credit check is not completed until an application is submitted.

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Income verification

Information about your income is not verified until an application is submitted.

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Eligibility

For your loan to meet our serviceability and lending criteria, terms and conditions apply.

Home loan products with great features and the lowest rates

Take advantage of our award-winning Homestar Finance low home loan rates and personalised customer service! Make the switch to Homestar and start saving today.

Learn more
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Your home loan options

Explore our market-leading range of home loan options, rates and features: 

Star Gold

Variable principal & interest

3.58%

Interest rate p.a.1a

3.58%

Comparison rate p.a.1a,2


  • Up to 60% LVR
  • Offset account
  • Visa debit card provided with ATM access
  • Unrestricted extra repayments
  • Free online redraws
  • Pay anyone & BPAY® available
  • Multiple loan splits possible
  • Weekly, fortnightly or monthly repayments
  • Schedule recurring payments or transfers
Find out more

Star Essentials

Variable principal & interest

3.80%

Interest rate p.a.1a

3.82%

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
Find out more

Star Classic

Variable principal & interest

3.90%

Interest rate p.a.1a

3.93%

Comparison rate p.a.1a,2


  • Up to 80% LVR
  • Offset account
  • Visa debit card provided with ATM access
  • Unrestricted extra repayments
  • Free online redraws
  • Pay anyone & BPAY® available
  • Multiple loan splits possible
  • Weekly, fortnightly or monthly repayments
  • Schedule recurring payments or transfers
Find out more

Star Classic Fixed

Fixed principal & interest from

7.30%

Interest rate p.a.1a

4.24%

Comparison rate p.a.1a,2


  • Up to 80% LVR
  • Extra repayments up to 20k p.a.
  • Free online redraws
  • Pay anyone & BPAY® available
  • Multiple loan splits possible
  • Weekly, fortnightly or monthly repayments
  • Schedule recurring payments or transfers
Find out more

Star Classic

Variable principal & interest

4.10%

Interest rate p.a.1b

4.13%

Comparison rate p.a.1b,2


  • Up to 80% LVR
  • Offset Account
  • Visa Debit Card Provided with ATM Access
  • Unrestricted Extra Repayments
  • Free Online Redraws
  • Pay Anyone & BPAY® Available
  • Multiple Loan Splits Possible
  • Weekly, Fortnightly or Monthly Repayments
  • Schedule Recurring Payments or Transfers
Find out more

Star Classic

Variable interest Only

4.50%

Interest rate p.a.1b

4.53%

Comparison rate p.a.1b,2


  • Up to 80% LVR
  • Offset Account
  • Visa Debit Card Provided with ATM Access
  • Unrestricted Extra Repayments
  • Free Online Redraws
  • Pay Anyone & BPAY® Available
  • Multiple Loan Splits Possible
  • Monthly Repayments Only
  • Schedule Recurring Payments or Transfers
Find out more

Star Classic Fixed

Fixed principal & interest from

7.50%

Interest rate p.a.1b

4.45%

Comparison rate p.a.1b,2


  • Up to 80% LVR
  • Extra Repayments up to 20k p.a.
  • Free Online Redraws
  • Pay Anyone & BPAY® Available
  • Multiple Loan Splits Possible
  • Weekly, Fortnightly or Monthly Repayments
  • Schedule Recurring Payments or Transfers
Find out more

We're an award winning lender

a couple looking excited and happy while looking at their phone

Ready to get started? It's simple

1

Give us a call on 1300 462 209

or fill in the contact us form or chat online
2

Talk to our sales assessment team

they will guide you step-by-step with all the information that's needed
3

Meet your dedicated loan specialist

discuss your needs and select a home loan that's right for you
4

Prequalify with ease

receive your offer, and enjoy shopping for a property with confidence

New customer enquiry

Find the right home loan and interest rate for your next investment













    *Submitting an enquiry won't affect your credit rating

    Explore our library of articles related to your property and investment journey

    1 Rates shown apply to new eligible owner occupieda or investment home loansb only, loan limits may apply depending on your product (refer to the product page) and at least one applicant is on PAYG employment. For fixed rate loans, after the 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.

    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 4th August 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.

    Registered to BPAY Pty Ltd ABN 69 079 137 518


    1 Rates shown apply to new eligible Owner Occupieda or Investment home loansb only, loan limits may apply depending on your product (refer to the product page) and at least one applicant is on PAYG employment. For fixed rate loans, after the 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.

    3 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..

    4 Disbursements may also be payable.

    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 4th August 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.

    Registered to BPAY Pty Ltd ABN 69 079 137 518