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:

2.79% 3.19% 3.19% 3.19% 3.19% 3.39% 3.59%

3.04% 3.44% 3.44% 3.44% 3.44% 3.64% 3.84%

Interest rate p.a.1

2.82% 2.86% 2.86% 2.89% 2.92% 3.02% 3.14%

3.07% 3.11% 3.11% 3.14% 3.17% 3.27% 3.39%

Comparison rate p.a.1, 2

Repayment Method

Principal and Interest Interest Only

Rate Type

Variable Fixed

Loan Term

1 2 3 4 5

Features

Key Features

Variable Rate

Fixed Rate

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


 
 


 
 

BPAY®

Loan Setup Fees

Variable Rate

Fixed Rate

Application Fee

$0

$0

Valuation Fee

$248.084,5
(Minimum Amount – see below)

$248.084,5
(Minimum Amount – see below)

Legal Documentation Fee

$2644,5
(Minimum Amount – see below)

$2644,5
(Minimum Amount – see below)

Fixed Rate Lock In fee (optional)

$395

PEXA Fee

$57.204,5

$57.204,5

Government Charges and Search Fees

At Cost4,5

At Cost4,5

Verification of Identity Fee

$27.504,5
(Minimum Amount – see below)

$27.504,5
(Minimum Amount – see below)

 

 

 

Fees

Variable Rate

Fixed Rate

Monthly Account Fee

$0

$0

Annual Account Fee

$0

$0

Discharge Fee

$5353
(plus third party costs)4,5

$5353
(plus third party costs)4,5

 

NEW CUSTOMER ENQUIRIES

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1 Rates shown apply to new eligible owner occupied loans only, up to 80% LVR, loan amount up to $850k and at least one applicant is on PAYG employment. Interest rates are subject to change without notice. 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.

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 1 October 2019 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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