Refinancing your home loan

Homestar can offer you personalised service and expert knowledge with an amazing rate whether Owner Occupied or Investment

Getting Started

You are off to a great start landing at Homestar, aside from our fast personalised service we also have a number of tools available on our website to get you underway. Have a look at our Mortgage Switching Calculator for a side by side comparison of how much you could be saving. To do this you will need to be aware of possible fees you could be charged by your current lender, these could be discharge fees, early exit fees or possibly even break cost fees. Your new home loan will also attract fees, but when you check out the Homestar Home Loans you will surprised at how low and little fees we have

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.

  • Home Loan Repayment
  • Stamp Duty
  • Loan Comparison
  • Mortgage Switching
  • Extra Repayments
  • Borrowing Power
  • Home Loan Offset
  • Reverse Mortgage
  • Split Loan Repayments
  • Achieve Savings Target

Process

Refinancing your home loan can be one of the best financial decisions you can make and at Homestar we are here to make the process as easy and fuss free as possible. Our Loan Specialists will be able to guide you through the process from beginning to end. By taking the time to review your home loan with a Homestar Loan Specialists assistance you will be supported throughout the entire journey. It’s simple:

1

Give us a call

on 1300 462 209, fill in the contact form, or chat online
2

Our Sales Assessment team

will get you started with all information you need
3

Meet your dedicated Loan Specialists

at a time most convenient to you
4

Enjoy the stress free, hassle free

process that Homestar has to offer.

Why Us?

We’re here to help you get the best deal for your financial future

Personalised Service

Everybody gets a personalised home loan specialist no matter what your journey is

Lowest Rates

At Homestar we are proud to offer one of the lowest home loan rates on the market

Online Offering

Ability to get your home loan from the comfort of your home

Our Products

Explore our range of great rates

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 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
View Product

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

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 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
View Product

Star Classic Fixed

2 Years Fixed Rate

1.79%

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

2.16%

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
View Product

Star Classic

Variable Principal and Interest

2.44%

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

2.47%

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
View Product

Star Classic

Variable Interest Only

2.74%

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

2.77%

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
View Product

Star Classic Fixed

2 Years Fixed Rate

1.99%

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

2.44%

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
View Product

The Why's of Refinancing

Refinancing your home loan in short means you pay off your existing home loan and get a brand new home loan, as with anything new you want to make sure it ticks all your boxes. Some of the reasons people refinance are:

  • Cheaper Repayment
  • Greater Flexability of repayment
  • Ability to repay your home loan faster
  • Equity, access funds for a renovation or a new car!!
  • Debt consolidation, simplify all your loan repayments into 1 loan.
  • Fixed Rate or Interest only period is a good time to check your current loan will continue to meet your requirements

Get in Touch











    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.

    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 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 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