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.

Canstar Outstanding Value,Home LenderCanstar Outstanding Value, Variable Home Lender

Our product features:

Variable Owner Occupied Home Loan

Fixed Owner Occupied Home Loan

  • Maximum LVR of 80%
  • Extra repayments of $20,000 per annum

Rates From:

3.54% 3.94% 3.94% 3.94% 3.94% 4.14% 4.34%

3.79% 4.19% 4.19% 4.19% 4.19% 4.39% 4.59%

Interest rate p.a.1

3.57% 3.61% 3.61% 3.64% 3.68% 3.77% 3.90%

3.82% 3.86% 3.86% 3.89% 3.93% 4.03% 4.15%

Comparison rate p.a.1, 2

Repayment Method

Principal and Interest Interest Only

Rate Type

Variable Fixed

Loan Term

1 2 3 4 5


Key Features

Variable Rate

Fixed Rate

100% Offset Account

Redraw Facility

Repayments (W, F, M)

(W, F, M)

(W, F, M)

Split Accounts

Extra Repayments

Max $20,000 pa

Debit ATM Card

Internet Banking




Loan Setup Fees

Variable Rate

Fixed Rate

Application Fee



Valuation Fee



Legal Documentation Fee



Fixed Rate Lock In fee (optional)





Monthly Fee



Annual Fee



Discharge Fee

(plus third party costs)

(plus third party costs)



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Personal Details

Loan Information (optional)

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1 Rates shown apply to new loans only and may change at any time. Existing borrowers may have different interest rates which are dependant 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.

2Comparison 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 Costs: cost/s incurred by services provider/s external to your Lender and will vary depending on the nature of the service and request. These cost/s are passed on directly to the applicant/s.

4 Disbursements payable.