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Want to switch your home loan and save? Simple!

Apply online in as little as 15 minutes

  • Save time
  • Save effort
  • Save money

For simple switch and save borrowers

5.98
% p.a.
Interest rate1a
5.98
% p.a.
Comparison rate1a,2
6.28
% p.a.
Interest rate1b
6.31
% p.a.
Comparison rate1b,2

Move your home loan fast  with a simple switch and save

Homestar Finance has been offering Australians better home loan deals since 2004. 

Now, we’ve made it even easier to refinance your current home loan to a better interest rate and repayment, with our new online simple switch and save service. 

Simpler

We’ve made it easy to move your home loan with a streamlined switching process that doesn’t require as much paperwork.

Faster

We can make quicker decisions online, with loan documents delivered to you as soon as 90 seconds after you’re approved.

Digital + human

Apply all the way online, but with human loan specialist help all the way, available on demand via phone or online LiveChat. 

More value

Save with Homestar, an award-winning lender recognised for delivering Australians true  value on their home loans. 

What you get with a simple switch to Homestar Finance

When you switch your home loan to Homestar, you’ll get Homestar’s best value online home loan rate and our fully featured new home loan, Star Nova

Star Nova

UP TO 70% LVR

Variable principal & interest

5.98
% p.a.
Interest rate1
5.98
% p.a.
Comparison rate1,2
  • Apply online with full human support
  • Up to 80% LVR (above rate is for 70% LVR)
  • Weekly, fortnightly or monthly repayments
  • Free online redraws
  • Offset facility and Visa Debit card
  • Unrestricted extra repayments
  • Pay anyone, BPAY® and digital wallet payments
  • No Homestar upfront fees
  • No ongoing fees
Apply online

Star Nova

UP TO 80% LVR

Variable principal & interest

6.08
% p.a.
Interest rate1
6.08
% p.a.
Comparison rate1,2
  • Apply online with full human support
  • Up to 80% LVR
  • Weekly, fortnightly or monthly repayments
  • Free online redraws
  • Offset facility and Visa Debit card
  • Unrestricted extra repayments
  • Pay anyone, BPAY® and digital wallet payments
  • No Homestar upfront fees
  • No ongoing fees
Apply online

Star Nova

UP TO 70% LVR

Variable principal & interest

6.28
% p.a.
Interest rate1
6.31
% p.a.
Comparison rate1,2
  • Apply online with full human support
  • Up to 80% LVR (above rate is for 70% LVR)
  • Weekly, fortnightly or monthly repayments
  • Unrestricted extra repayments
  • Up to four offset facilities
  • Multiple loan splits
  • Visa Debit card
  • Pay anyone, BPAY® and digital wallet payments
  • No Homestar upfront fees
  • No ongoing fees
Apply online

Star Nova

UP TO 80% LVR

Variable principal & interest

6.38
% p.a.
Interest rate1
6.41
% p.a.
Comparison rate1,2
  • Apply online with full human support
  • Up to 80% LVR
  • Weekly, fortnightly or monthly repayments
  • Unrestricted extra repayments
  • Up to four offset facilities
  • Multiple loan splits
  • Visa Debit card
  • Pay anyone, BPAY® and digital wallet payments
  • No Homestar upfront fees
  • No ongoing fees
Apply online

View our simple switch and save product brochure

Ready to switch?

Check your eligibility!

To switch and save your loan to Homestar, your home loan needs to tick a few boxes.

  • Have you been repaying your home loan for 12 months?

  • Are you paying a higher interest rate and repayment somewhere else?

  • Do you already have at least 20% equity in your property?

  • Are you borrowing under your name or with one other person?

Yes? You could be eligible to apply online with a simple switch and save!

More eligibility criteria for a Homestar’s switch and save

Additional switch and save criteria
Is applying online for...?

Ready to make home loan savings? Switch now!

Not refinancing? Don’t tick all the boxes? No problem!

Whether you want to buy your first property, invest in property for the future, or build your dream home – we can help.

Book an appointment
ColCap Financial Logo

You’re in
safe hands

Homestar Finance is part of one of Australia’s largest non-bank lenders, ColCap Financial, which has been challenging the banks to offer better borrower deals since 2006.

With Homestar, you’ll be joining a tribe of 100,000+ existing customers who’ve already had their home ownership and investment ambitions made possible by ColCap Financial.

Colcap Financial Background Building Top View
A person in a yellow sweater and headphones sitting at a desk with a laptop, a cup, and various plants around in a room with art on the walls.

Need help?

Homestar’s expert loan specialists are here to support you with your digital home loan application 7 days a week. Please contact us if you have any questions.

Our disclaimers

1 Rates shown apply to new eligible applications for Star Nova Owner Occupieda or Investmentb home loans only, up to 80% LVR, loan amounts up to $3,500,000. Rates are subject to change without notice. Existing loans arranged initially or currently managed by ColCap Financial Group, Origin Mortgage Management Services or one of its managers or partners are not eligible to refinance or a Star Nova home loan. Terms, conditions, and additional eligibility criteria apply.

2 Comparison rates are based 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 Please note a full credit check will be undertaken as part of your refinance application and applications are subject to our eligibility criteria at the time of the application.

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 Discharge fee is waived if loan reaches full term as per the loan agreement. Other fees and charges may apply.

6 Homestar Finance Pty Ltd (Homestar) does not provide financial or investment advice. Advertised material does not take into account your objectives, financial circumstances or needs. Homestar recommends that you seek independent financial, legal and taxation advice before making a financial decision. The comparisons used in advertised material are based on the following assumptions:

  • Borrowing amount of 600,000 for period of 30 years at a variable interest rate of 6.78%p.a. with an 80% LVR. This rate is sourced from Canstar’s average interest rates: Average Home Loan Interest Rates Australia | Canstar
  • Savings are calculated by comparing the above with Homestar Finances borrowing amount of 600,000 for period of 30 years at a variable interest rate of 6.08%p.a. with an 80% LVR
  • Exclusive of any fees or charges (including government duties) that may be charged based on average costs calculated on 8 May 2026 through publicly available and marketed sources

Any information provided in advertised material does not constitute an offer of credit and are exampled of what may be available to you. Advertised material does not take into account any product features or any applicable fees or charges. Homestar’s lending criteria and the basis upon which Homestar assesses what you are able to afford may change without notice.

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 11th May 2026 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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