Refinancing your home loan

Are you comparing your current loan rates, looking to move house or just thinking of different home loan options?

Whether you’re looking for Owner Occupied or Investment loan options, Homestar can offer you personalised service and expert knowledge with amazing rates.

Why should I consider refinancing?

Save money now with
lower interest rates.

Refinancing your home loan could help you find a better interest rate and save you money in the short and long-term. You may be able to consolidate debt into fewer payments, and depending on your loan terms, make additional repayments or access redraw when you need.

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Couple seating at porch kissing

Choose fixed or flexibility

A fixed rate home loan provides a guarantee of what your repayments will cost over the loan period. A variable loan provides more flexibility to make extra repayments when you like, and save you interest with an offset account. If you decide to choose a split loan, you have the option to do both!

Access equity when you need

Depending on the terms of your loan, you could also be able to use the equity in your property for a home renovation, investing in other assets, or other significant projects.

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Getting started

In addition to our fast personalised service, we pride ourselves on making sure our customers have access to all the information they need to make the best decision for their home loan journey. We have a number of tools and resources available to get you started. 

Have a look at our Mortgage Switching Calculator for a side-by-side comparison of how much you could be saving if you’re looking to refinance. 

Note: When refinancing, you’ll need to be aware of possible fees you could be charged by your current lender. These could be discharge fees, early exit fees or break cost fees. Your new home loan will also attract its own fees for set-up and establishment, but if you would like more information our rates + fees are available on all product pages on the Homestar Finance website 

Check out our calculators

Working out potential home loan repayments? Looking at loan refinancing options? Just curious? Our range of calculator tools can help you make informed decisions on the best products or offerings to add value, reduce repayment stress and save money.  

Take Me There
  • Home Loan Repayment
  • Stamp Duty
  • Loan Comparison
  • Mortgage Switching
  • Extra Repayments
  • Borrowing Power
  • Home Loan Offset
  • Budget Planner Calculator
  • Rent vs Buy Calculator
  • Split Loan Repayments

Streamlining the process

Refinancing or switching your home loan can be one of the best financial decisions you can make – with a range of products available we’re driven to help our customers find the product terms, rates and features that will help you best in the long run.  

At Homestar we’re here to make the loan refinancing process as easy and fuss-free as possible. Our team of Loan Specialists will be able to guide you through the process from beginning to end, and we’re available to answer any questions you have along the way.  

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.

All Homestar Products

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


  • 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

Variable Principal & Interest

1.99%

Interest rate p.a.1a

2.02%

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

Variable Principal & Interest

2.09%

Interest rate p.a.1a

2.12%

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

2.12%

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 & Interest

2.29%

Interest rate p.a.1b

2.32%

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

2.59%

Interest rate p.a.1b

2.62%

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

2.32%

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

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    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 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