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 Gold

Home Loan with all the features

1.79%

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

1.84%

Comparison rate p.a 1,2


  • 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

Star Essentials

No-Frills Owner Occupied Loan

2.04%

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

2.07%

Comparison rate p.a 1,2


  • 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

Star Classic

Full Features Owner Occupied

2.14%

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

2.17%

Comparison rate p.a 1,2


  • 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

Star Classic Fixed

2 Years Fixed Rate

1.79%

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

2.16%

Comparison rate p.a 1,2


  • 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

NEW CUSTOMER ENQUIRIES

Submitting an enquiry won’t affect your credit rating.











    Loan Setup Fees Variable Rate Fixed Rate
    Application Fee $395
    Star Gold Only
    $0
    Monthly Account Fee $0 $0
    Annual Account Fee
    (Fixed period only)
    $0 $395
    Valuation Fee $251.354 $251.354
    Legal Documentation Fee $2644 $2644
    Fixed Rate Lock In fee (optional) - $4954
    Verification of Identity Fee $27.504 $27.504
    PEXA Fee $57.204 $57.204
    Government Charges and Search Fees At Cost4 At Cost4
    Discharge Fee $5353 $5353

    About Homestar Finance

    Homestar Finance Pty Ltd ACN 109 413 498 Australian Credit Licence Number 390 860 has been providing affordable home loans to Australian families since 2004. We are a wholly owned subsidiary of Columbus Capital Pty Ltd, an Australian private company with over $7 billion in loans under management.

    Homestar Finance is a proud sponsor of the Sydney Thunder Cricket Team (KFC Big Bash League).

    Award Winning Lender

    1 Rates shown apply to new eligible Owner Occupied loans 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