Want a better home loan deal (and more)? Easy done!
Apply online in as little as 15 minutes
For simple switch and save borrowers
5.98
%
p.a.
5.98
%
p.a.
6.28
%
p.a.
6.31
%
p.a.
Are you looking to refinance your home loan?
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Have you been repaying your home loan for 12 months?
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Are you paying a higher interest rate and repayment somewhere else?
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Do you already have at least 20% equity in your property?
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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!
Better off
We can move you fast if your rate and repayments will be lower at Homestar.
Easy process
Move easily with less paperwork using our new simplified switch and save process.
Fast approvals
Loan documents delivered as soon as 90 seconds after you’re approved.
Digital + human
Apply all the way online, with human loan specialist help all the way.
Better off
We can move you fast if your rate and repayments will be lower at Homestar.
Easy process
Move easily with less paperwork using our new simplified switch and save process.
Fast approvals
Loan documents delivered as soon as 90 seconds after you’re approved.
Digital + human
Apply all the way online, with human loan specialist help all the way.
View our simple switch and save product brochure
Am I eligible for a simple switch and save refinance?
Additional switch and save criteria
Is applying online for...?
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.
Refinance
Buy my first property
Purchase
Investment
Build my dream home
Invest through an SMSF
You’ll get more than a better deal
We pack our home loans full of features (not fees), and back it with awesome service and support from Homestar’s humans.
Market-leading rates
We offer competitive rates to suit all
refinancing needs.
View latest rates
Say goodbye to pesky fees
No application fee, no annual fee, no
monthly fee, and no offset fees.
Managing your finances is a breeze
Be in control of your money with our online platform, digital wallet and Visa Debit Card.
Smooth and simple application process
All wrapped up fast with the support of our loan specialist team.
You call the shots
Pay fortnightly or weekly over monthly and save. Repay extra any time.
Bonus features to help you thrive
Split your loan into multiple portions and get up to four free offset facility.
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.
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.
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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