Investment Home
Variable Investment Home Loan Rates Starting From
6.14
% p.a.1,2
Principal & interest
6.17
% p.a.1,2
Comparison rate
Service is our Top Priority
Service is our Top Priority
- You will enjoy one on one service from your dedicated loan specialist who will be with you throughout your home loan journey with Homestar Finance.
- We will arrange an appointment time which is suitable to you to meet with your loan specialist and they will tailor you a home loan that meets your needs.
- From there you can choose to have them guide you through the application form, or you can decide to fill it in after the call. The choice is yours, but at all times your loan specialist is on hand to assist you.
- Your Loan Specialist will ensure you are always kept up to date as to how your application is processing.
- When it comes to settlement we have a dedicated team of experts to ensure this happens smoothly whilst the whole time your loan specialist will be on hand to ensure you kept up to date and answer any questions you may have.
Bundle and save!
Did you know when you bring across your investment loan and your owner occupied home loan, Homestar Finance will package a rate up so you can save.
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
We’re an
award-winning 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.
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
All these features are included
Our dedicated team of loan specialists will help build an affordable home loan solution for you.
Visa Debit Card
- Access your cash wherever VISA’s accepted
- No fees for card set-up or usage.
- Free cash withdrawals from major bank ATMs.
Offset Account
- Reduces your mortgage’s principal balance, lowering interest while keeping funds accessible.
- Up to 4 accounts for savings & daily transactions flexibility.
Extra Repayments
- Pick weekly, fortnightly, or monthly repayments based on your needs.
- Unlimited extra payments on our Variable Home Loans to clear your loan quicker.
Online access
- Homestar Finance offers a real-time online platform for easy info access.
- Check transactions & balances in one spot.
- Use BPAY for bills & manage your salary credits/debits.
Multiple loan splits available
- Split your home loan into 4 parts. E.g., one for the original mortgage, another for renovations.
- Divide your loan: part on a flexible variable rate, part fixed for stable monthly repayments.
Visa Debit Card
- Access your cash wherever VISA’s accepted
- No fees for card set-up or usage.
- Free cash withdrawals from major bank ATMs.
Offset Account
- Reduces your mortgage’s principal balance, lowering interest while keeping funds accessible.
- Up to 4 accounts for savings and daily transactions flexibility.
Extra Repayments
- Pick weekly, fortnightly, or monthly repayments based on your needs.
- Unlimited extra payments on our Variable Home Loans to clear your loan quicker.
Online access
- Homestar Finance offers a real-time online platform for easy info access.
- Check transactions and balances in one spot.
- Use BPAY for bills and manage your salary credits/debits.
Multiple loan splits available
- Split your home loan into 4 parts. E.g., one for the original mortgage, another for renovations.
- Divide your loan: part on a flexible variable rate, part fixed for stable monthly repayments.
Visa Debit Card
- Access your cash wherever VISA’s accepted
- No fees for card set-up or usage.
- Free cash withdrawals from major bank ATMs.
Offset Account
- Reduces your mortgage’s principal balance, lowering interest while keeping funds accessible.
- Up to 4 accounts for savings and daily transactions flexibility.
Extra Repayments
- Pick weekly, fortnightly, or monthly repayments based on your needs.
- Unlimited extra payments on our Variable Home Loans to clear your loan quicker.
Online access
- Homestar Finance offers a real-time online platform for easy info access.
- Check transactions and balances in one spot.
- Use BPAY for bills and manage your salary credits/debits.
Multiple loan splits available
- Split your home loan into 4 parts. E.g., one for the original mortgage, another for renovations.
- Divide your loan: part on a flexible variable rate, part fixed for stable monthly repayments.
Buying an investment property: what to consider
Other than your own financial circumstances and loan structure, your priority considerations should be looking at how you can make the most of tax benefits associated with property investment.
There are a myriad of tax deductions you can claim as part of outgoing investment property expenses, including:
- Accounting
- Advertising expenses
- Appliance and building depreciation
- Capital gains tax
- Council rates
- Insurance
- Land tax
- Legal expenses
- Loan interest
- Maintenance, repairs and renovations
- Negative gearing
- Pest control
- Strata fees
Let’s get to know each other!
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.
Investment property loan calculator
It’s always good practice to work out the numbers before getting stuck into any contracts. Getting a clear picture of the initial out-of-pocket expenses such as stamp duty and planning your budget in advance can help you to avoid any nasty surprises along the way.
Homestar Finance has a plethora of home loan related calculators to make that overwhelming first step just a little bit easier.
Understanding your investment property loan
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.
What are loan interest tax deductions?
Whilst it isn’t possible to receive tax exemptions for the principal amount of the loan, it is possible to claim deductions for interest accrued over the duration of your loan as a tax-deductible expense.
This is why a popular strategy among savvy investors is to sign up for an interest-only home loan so you can leverage interest repayments to your advantage. This way, all of the loan repayments during the initial interest only period will be eligible for tax deductions and this can greatly help with your cash flow in the short term.
What is negative gearing?
In layman’s terms, negative gearing is a method of writing off your losses by deducting them from your taxes at the end of the financial year.
If your overall expenses surpass your total income earned from the investment property, you will be eligible for negative gearing tax deductions.
Although negative gearing may seem confusing or redundant at first, it is a highly effective method of minimising short-term expenses before you eventually sell. By writing off these losses on tax, you can make use of negative gearing strategies to offset the capital gains tax and maximise your return on investment when you eventually sell the property on for a profit.
What is capital gains tax?
The capital gains tax is a tax imposed on profits made from selling high value assets including shares, a business or property.
Capital gains tax can strip you of a large portion of your profit, since 100% of the profit from the sale is added to your taxable income. However, if the investment property has been held under your name for more than 12 months, then only 50% of the profit will be added toward your assessable income.
That’s why negative gearing can help you hold on to the property for at least 12 months whilst minimising short-term losses and in turn, allowing you to pocket more of the profit.
What is rental yield?
Rental yield refers to the difference between the income made from leasing and the overall cost of your investment property expressed as a percentage.
For instance, if your rental yield is not enough to cover mortgage and interest repayments then your property is negatively geared.
Let’s get to know each other!
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.
Our disclaimers
1 Rates shown apply to new eligible Investment loans 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.
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.
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 28th February 2025 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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