We’ll do more than just get you a better
home loan deal.
At Homestar Finance, we help property owners get a better deal – with market leading rates, personalised service and loans packed with features (not fees).
Get more of what you want (and less of what you don’t) with Homestar Finance.
We offer great rates to suit investment refinancing and purchasing needs.
Up to four free offset account and the ability to split your loan into multiple portions.
Pay fortnightly or weekly over weekly over monthly and save. And pay extra at any time – with free redraw on the extra repaid.
All wrapped up in just a few days with the help of your dedicated loan specialist.
With our online platform, a digital wallet and our Visa Debit card – you can manage your home loan and access your money whenever, wherever.
No application fee, no monthly fee, no offset account fee, and no annual fee.
Variable principal & interest
Variable principal & interest
Variable principal & interest
1 Year - Fixed principal & interest
5 Years - Fixed principal & interest
We don’t charge an application fee, annual fee, monthly fee or offset account fee.
Any fees you do pay are transparent and simple, so you always know where you stand.
Check out our rates and consider your options.
|
Rates |
||
|---|---|---|
| Loan-to-Value Ratio1 | Interest Rate2 | Comparison Rate^ |
| Variable - Up to 70% LVR1 | 5.49% p.a.2 | 5.49% p.a.^ |
| Variable - Up to 80% LVR1 | 5.59% p.a.2 | 5.59% p.a.^ |
| Variable – Up to 90% LVR1 | 5.99% p.a.2 | 5.99% p.a.^ |
| Fixed (5 years) – Up to 80% LVR1 | 5.69% p.a.2 | 5.66% p.a.^ |
| Fixed (2 year) – Up to 80% LVR1 | 5.39% p.a.2 | 5.58% p.a.^ |
| Fixed (1 year) – Up to 80% LVR1 | 5.39% p.a.2 | 5.60% p.a.^ |
| Variable - Up to 80% LVR - P&I1 | 5.89% p.a.2 | 5.92% p.a.^ |
| Variable - Up to 80% LVR - Interest only1 | 6.29% p.a.2 | 6.32% p.a.^ |
| Fixed (1 Year) - Up to 80% LVR - P&I1 | 5.69% p.a.2 | 5.90% p.a.^ |
1 LVR means ‘Loan to Value Ratio’. It is the amount of your loan divided by the valuation of your property, calculated as a percentage. For example, if you apply for a loan of $400,000, which will be secured by a property valued at $500,000, your LVR is 80%.
2 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. 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.
^ Comparison rates are based 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.
|
Fees |
Owner Occupied Variable Products Principal & Interest |
Owner Occupied Fixed Rate Product Principal & Interest |
Investment Variable Rate Principal & Interest |
Investment Fixed Rate Principal & Interest |
|---|---|---|---|---|
| Application Fee | $0 | $0 | $0 | $0 |
| Annual / Monthly Fee | $0 | $0 | $0 | $0 |
| Valuation Fee (the minimum cost will be covered, any additional expenses incurred due to travel or properties greater than $1m in value may incur a fee) Valuation Fee (the minimum cost will be covered, any additional expenses incurred due to travel or properties greater than $1m in value may incur a fee) | $0 | $0 | $0 | $0 |
| Lenders Legal Preparation Fee | $0 | $0 | $0 | $0 |
| Fixed Rate Lock in Fee (optional) | $0 | $4953 | $0 | $4953 |
| Settlement fee | $0 | $3953,4 | $3953,4 | $3953,4 |
| PEXA Fee | $66.333 | $66.333 | $66.333 | $66.333 |
| Government Charges | At Cost3 | At Cost3 | At Cost3 | At Cost3 |
| Disbursements (including title search fees) | $1503 | $1503 | $1503 | $1503 |
| Discharge Fee | $5955 | $5955 | $5955 | $5955 |
| Break Cost | $0 | Varied6 | $0 | Varied6 |
Other fees and charges may apply.
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 18th April 2024 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.
You can connect up to four free offset accounts to your Homestar Finance owner occupied home loan. The total balance of your offset accounts is offset against your home loan, so you are only charged interest on the remaining balance. With multiple offset accounts you have the flexibility to manage your finances based on your needs and preferences. You can allocate money to different accounts and can more clearly see how you are tracking. For example, you can have one offset account for regular living expenses and another for savings. This approach can make it easy to manage your finances and keep track of your spending.
To explore the benefits of offset accounts, go ahead and read this article – Offset Account FAQs – your top questions answered.
The biggest difference between owner-occupied and investor loans is the nature and intention of the property.
Owner-occupied loans are for people who are planning on living in the property as residents.
Investor loans are for people who want to use the property as a rental and not a family home.
Lenders are generally looking for people with a steady income to be able to repay their loan as per their loan agreement. Lenders have a duty of care to ensure borrowers meet their credit criteria.
When obtaining an owner-occupied home loan, you are required to live in the property for usually 12 months. This requirement is fundamental to the loan, and if not complied with, you could be dealing with fraudulent misconduct.
The Australian Tax Office (ATO) has the following criteria for main residence property:
You can do this after the allocated period has lapsed, generally 12 months. If you want to rent your home out before the allocated period, you will likely be subject to fees and costs associated with investment properties rather than residential properties.
If you are required to pay stamp duty, use our stamp duty calculator to find out how much you’ll be required to pay
Homestar has a plethora of home loan related calculators to make investing just a little bit easier.
Our friendly team can help you find the right solution for your refinancing needs.
Gather your documents to make the application as smooth as possible.
If you meet certain criteria, you could be eligible for an extra speedy approval.
Australians deserve a better deal. That’s why we’ve been challenging the market and rewriting the rulebook, since 2004.
By listening and understanding what’s important to property owners, we’ve developed a customer focused approach that helps thousands of property owners feel in control and save money every day.
Great customer service and competitive rates
Amazing service from the retention team, they were very efficient, fair and straight to the point. From the moment I first contacted them, to the last step of getting my rate updates in the system, everything was done and dusted within 10 days. I had a lot of queries, so I’m sure they would have done it in less than a week! Continue Reading
Cheap and cheerful home loans
We have been with Homestar for over 5 years now and we are very satisfied with their service. Rates are fantastic too. Some of the cheapest on the market for a full featured mortgage.
We are renovating and have had to top up our loan a few times and Homestar has always been easy to deal with. Continue Reading
Great Product and Customer Service
My dealing with Homestar has been exceptional from initial enquiry through to settlement whilst refinancing my SMSF property. By far the sharpest rate in the market with prompt and clear communication the entire way. Highly recommend this lender and SMSF mortgage product. Continue Reading
John and Michel were fantastic- the entire process was smooth and both were very responsive
Beats any bank hands down. Their Service was top notch and thorough and helped me navigate my way around what could have been a challenging process give mine was spread between a Top Up and an investment loan. Continue Reading
Great customer service
I’ve been a Homestar customer for a few years now, and recently requested a switch to a more competitive product. I’ve been impressed by the quality of the customer service (especially Regina from the Retentions team), and have had friendly & professional responses throughout the process. Importantly, the turnaround time has been super quick, with minimal time spent on hold / waiting for email responses. Continue Reading
For great rates, great savings and great service, Homestar Finance has you covered. Fill in your details to connect with a dedicated lending specialist.
1 Rates shown apply to new eligible Owner Occupieda or Investmentb home loans only, up to 80% LVR, loan amounts up to 2,500,000 and at least one applicant is on PAYG employment. 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 Finance 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 $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 Where Lender Paid LMI is applicable, or applied, then settlement fee applies.
5 Discharge fee is waived if loan reaches full term as per the loan agreement. Other fees and charges may apply.
6 The break cost fee varies based on several factors, including the number of days left on the fixed rate period, the amount the market rate has moved, the outstanding loan amount and remaining cash flows. Refer to Fact Sheet: Break Cost to find out more.
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 2nd June 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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