Canstar Awards

Owner Occupied Home Loan

Our Owner Occupied home loan is ideal for people seeking a cheap home loan with all the benefits. Talk to one of our experienced Home
Loan Specialists and find out what we can offer you.

OUR HOME LOAN PRODUCTS

At Homestar Finance we want all of our customers to access home loan packages that suit their needs, whether you are a first home buyer, purchaser or just looking to refinance your current home loan we have a range of products that can help you achieve the best home loan possible.

  • Star Essentials

    No-Frills Owner Occupied Loan

    • 2.29%

      Interest p.a1

      (Principal and Interest)

    • 2.32%

      Comparison rate p.a1,2


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      Unrestricted Extra Repayments

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      Free Online Redraws

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      Pay anyone & BPAY

    • Tick

      Multiple Loan Splits Possible

    • Tick

      Weekly, Fortnightly or Monthly Repayments

    • Tick

      Schedule Recurring Payments or Transfers

  • Star Classic

    Full Features Owner Occupied Home Loan

    • 2.39%

      Interest p.a1

      (Principal and Interest)

    • 2.42%

      Comparison rate p.a1,2


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      Offset Account

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      Visa Debit Card Provided with ATM Access

    • Tick

      Unrestricted Extra Repayments

    • Tick

      Free Online Redraws

    • Tick

      Pay Anyone & BPAY® Available

    • Tick

      Multiple Loan Splits Possible

    • Tick

      Weekly, Fortnightly or Monthly Repayments

    • Tick

      Schedule Recurring Payments or Transfers

  • Star Fixed

    1 year fixed rate

    • 1.98%

      Interest p.a1

      (Principal and Interest)

    • 2.38%

      Comparison rate p.a1,2


    • Tick

      Extra Repayments up to 20k p.a.

    • Tick

      Free Online Redraws

    • Tick

      Pay anyone & BPAY

    • Tick

      Multiple Loan Splits Possible

    • Tick

      Weekly, Fortnightly or Monthly Repayments

    • Tick

      Schedule Recurring Payments or Transfers

  • Star Fixed

    3 years fixed rate

    • 2.06%

      Interest p.a1

      (Principal and Interest)

    • 2.38%

      Comparison rate p.a1,2


    • Tick

      Extra Repayments up to 20k p.a.

    • Tick

      Free Online Redraws

    • Tick

      Pay anyone & BPAY

    • Tick

      Multiple Loan Splits Possible

    • Tick

      Weekly, Fortnightly or Monthly Repayments

    • Tick

      Schedule Recurring Payments or Transfers

NEW CUSTOMER ENQUIRIES

Personal Details

Loan Information (optional)

  
* These are required fields
Loan Setup Fees Variable Rate Fixed Rate
Application Fee $0 $0
Monthly Account Fee $0 $0
Annual Account Fee
(Fixed period only)
$0 $395
Valuation Fee $248.084,5 $248.084,5
Legal Documentation Fee $2644,5 $2644,5
Fixed Rate Lock In fee (optional) - $4954,5
Verification of Identity Fee $27.504,5 $27.504,5
PEXA Fee $57.204,5 $57.204,5
Government Charges and Search Fees At Cost4,5 At Cost4,5
Discharge Fee $5353 $5353

1 Rates shown apply to new eligible owner occupied loans only, up to 80% LVR, loan amounts minimum of $150k and up to $850k 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 Discharge fee is waived if loan reaches full term as per the loan agreement.

4 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.

5 Disbursements payable.

DISCLAIMER: Terms, conditions and eligibility criteria apply to all our loan products and features. Fees and charges are payable. Final approval is subject to credit assessment. Information valid as at 06 October 2020 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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