Owner Occupied Home Loans

Our Owner Occupied home loans are ideal for people seeking an affordable home loan with all the benefits. Talk to one of our experienced Home Loan Specialists and find out how we can help you. 

Our Home Loan Products

At Homestar Finance, we want our customers to find the best home loan packages that suit their needs. Whether it’s your first home, you’re looking to refinance or finding an investment property, Homestar’s award-winning home loan deals are here to help. 

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

Owner Occupied Rates + Fees

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 $251.353,4 $251.353,4
Legal Documentation Fee $2643,4 $2643,4
Fixed Rate Lock In fee (optional) - $4953,4
Verification of Identity Fee $27.503,4 $27.503,4
PEXA Fee $57.203,4 $57.203,4
Government Charges and Search Fees At Cost3,4 At Cost3,4
Discharge Fee $5355 $5355

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

We're an award-winning lender

About Homestar Finance

Homestar Finance Pty Ltd ACN 109 413 498 (Australian Credit Licence Number 390 860) has been providing affordable and accessible home loans to Australians 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 are proud Official Partners of Sydney Thunder Cricket Team and are the naming rights partner of the Homestar Finance Sydney Thunder Indigenous XI.  

NEW CUSTOMER ENQUIRIES

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    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. 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.

    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 may also be payable.

    5 Discharge 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 25th May 2021 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.

    Registered to BPAY Pty Ltd ABN 69 079 137 518