Fixed 2 years
Fixed for 1 year
Our Star Classic fixed rate home loans offer certainty with unusual flexibility. With no application, annual, monthly or offset facility fees on all fixed rate owner occupied home loans.
View our owner occupied or investment product brochure
Check out our rates and consider your options.
Rates |
||
|---|---|---|
| Loan-to-Value Ratio1 | Interest Rate2 | Comparison Rate^ |
| Fixed (1 year) - 0-70% LVR1 | 6.98% p.a.2 | 6.53% p.a.^ |
| Fixed (2 year) - 0-70% LVR1 | 6.98% p.a.2 | 6.58% p.a.^ |
| Fixed (3 year) - 0-70% LVR1 | 6.98% p.a.2 | 6.62% p.a.^ |
| Fixed (4 year) - 0-70% LVR1 | 7.08% p.a.2 | 6.70% p.a.^ |
| Fixed (5 year) - 0-70% LVR1 | 7.08% p.a.2 | 6.74% p.a.^ |
| Fixed (1 year) - 70-80% LVR1 | 7.08% p.a.2 | 6.30% p.a.^ |
| Fixed (2 year) - 70-80% LVR1 | 7.08% p.a.2 | 6.39% p.a.^ |
| Fixed (3 year) - 70-80% LVR1 | 7.08% p.a.2 | 6.47% p.a.^ |
| Fixed (4 year) - 70-80% LVR1 | 7.18% p.a.2 | 6.58% p.a.^ |
| Fixed (5 year) - 70-80% LVR1 | 7.18% p.a.2 | 6.65% p.a.^ |
| Fixed (1 year) - 0-70% LVR1 | 7.38% p.a.2 | 6.60% p.a.^ |
| Fixed (2 year) - 0-70% LVR1 | 7.38% p.a.2 | 6.69% p.a.^ |
| Fixed (3 year) - 0-70% LVR1 | 7.38% p.a.2 | 6.77% p.a.^ |
| Fixed (4 year) - 0-70% LVR1 | 7.48% p.a.2 | 6.88% p.a.^ |
| Fixed (5 year) - 0-70% LVR1 | 7.48% p.a.2 | 6.96% p.a.^ |
| Fixed (1 year) - 70-80% LVR1 | 7.48% p.a.2 | 6.70% p.a.^ |
| Fixed (2 year) - 70-80% LVR1 | 7.48% p.a.2 | 6.79% p.a.^ |
| Fixed (3 year) - 70-80% LVR1 | 7.48% p.a.2 | 6.87% p.a.^ |
| Fixed (4 year) - 70-80% LVR1 | 7.58% p.a.2 | 6.98% p.a.^ |
| Fixed (5 year) - 70-80% LVR1 | 7.58% p.a.2 | 7.06% p.a.^ |
| Fixed (1 year) - 0-70% LVR1 | 7.28% p.a.2 | 6.50% p.a.^ |
| Fixed (2 year) - 0-70% LVR1 | 7.28% p.a.2 | 6.59% p.a.^ |
| Fixed (3 year) - 0-70% LVR1 | 7.28% p.a.2 | 6.67% p.a.^ |
| Fixed (4 year) - 0-70% LVR1 | 7.38% p.a.2 | 6.78% p.a.^ |
| Fixed (5 year) - 0-70% LVR1 | 7.38% p.a.2 | 6.86% p.a.^ |
| Fixed (1 year) - 70-80% LVR1 | 7.38% p.a.2 | 6.60% p.a.^ |
| Fixed (2 year) - 70-80% LVR1 | 7.38% p.a.2 | 6.69% p.a.^ |
| Fixed (3 year) - 70-80% LVR1 | 7.38% p.a.2 | 6.77% p.a.^ |
| Fixed (4 year) - 70-80% LVR1 | 7.48% p.a.2 | 6.88% p.a.^ |
| Fixed (5 year) - 70-80% LVR1 | 7.48% p.a.2 | 6.96% p.a.^ |
| Fixed (1 year) - 0-70% LVR1 | 7.68% p.a.2 | 6.90% p.a.^ |
| Fixed (2 year) - 0-70% LVR1 | 7.68% p.a.2 | 6.99% p.a.^ |
| Fixed (3 year) - 0-70% LVR1 | 7.68% p.a.2 | 7.07% p.a.^ |
| Fixed (4 year) - 0-70% LVR1 | 7.78% p.a.2 | 7.19% p.a.^ |
| Fixed (5 year) - 0-70% LVR1 | 7.78% p.a.2 | 7.26% p.a.^ |
| Fixed (1 year) - 70-80% LVR1 | 7.78% p.a.2 | 7.00% p.a.^ |
| Fixed (2 year) - 70-80% LVR1 | 7.78% p.a.2 | 7.09% p.a.^ |
| Fixed (3 year) - 70-80% LVR1 | 7.78% p.a.2 | 7.18% p.a.^ |
| Fixed (4 year) - 70-80% LVR1 | 7.88% p.a.2 | 7.29% p.a.^ |
| Fixed (5 year) - 70-80% LVR1 | 7.88% p.a.2 | 7.37% p.a.^ |
1 LVR means ‘Loan to Value Ratio’. It is the amount of your loan divided by the valuation of your property, calculated as a percentage. For example, if you apply for a loan of $400,000, which will be secured by a property valued at $500,000, your LVR is 80%.
2 Rates shown apply to new eligible Owner Occupieda or Investment home loansb only, loan limits may apply depending on your product (refer to the product page) and at least one applicant is on PAYG employment. 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 our online Internet Access portal or by contacting customer service. Terms, conditions, and eligibility criteria apply.
^ 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.
Fees |
Owner Occupied Variable Products Principal & Interest |
Owner Occupied Fixed Rate Product Principal & Interest |
Investment Variable Rate Principal & Interest |
Investment Fixed Rate Principal & Interest |
|---|---|---|---|---|
| Loan application fee | $0 | $0 | $0 | $0 |
| Loan Settlement Fee | $0 | $0 | $395 | $395 |
| Lenders Protection Fee (Loans above 80% LVR) | Varied** | Varied** | Varied** | Varied** |
| Valuation Fee (the minimum cost will be covered, any additional expenses incurred due to travel or properties greater than $1m in value may incur a fee) |
$0* | $0* | $244.20* | $244.20* |
| Loan Account Variation Fee | $150(i) | $150(i) | $150(i) | $150(i) |
| Loan Facility Variation Fee | $300(ii) | $300(ii) | $300(ii) | $300(ii) |
| Discharge Administration Fee | $5955 | $5955 | $5955 | $5955 |
| Fixed Rate Lock Fee | $0 | $495 | $0 | $495 |
Other fees and charges may apply.
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 18th April 2024 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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Gather your documents to make the application as smooth as possible.
Meet the criteria and you could enjoy a faster approval process. Terms and approval criteria apply.
You will need to meet the following criteria:
To be eligible for this product the customer must meet certain eligibility criteria, including that the customer:
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All you need to begin your application online are details of your income, current credit obligations (like personal loans and car loans), available credit limits (from credit cards, store cards and interest fee accounts) and the amount you are looking to borrow. To explore the benefits of offset facility, go ahead and read this article – Offset Facility FAQs – your top questions answered
In general, we do not offer face-to-face appointments because this would significantly add to the cost of providing you with your loan. We would need to pass this cost on to you in the form of higher interest rates or fees – which we really do not want to do! Our Lending Specialists use great loan processing technology so that we can do all the things that you would typically expect in a face-to-face loan application process by phone – and we can do it in a fraction of the time that a face-to- face meeting would take.
Lenders Mortgage Insurance (LMI) is insurance that protects the lender in the event the borrower defaults and the security property is sold and the funds from the proceeds of the sale are not enough to discharge the loan. The LMI then pays the Lender the shortfall. The rights to recover the shortfall from all of the parties on the loan (borrowers) are then transferred across to the LMI who will pursue the shortfall. The cost of LMI insurance is a one off payment at the start of the loan. It is usually added to the loan amount and should not be confused with Building Insurance or Income Protection Insurance
A comparison rate is a legislated calculation which gives consumers an idea of the actual cost of the loan, as it includes the interest rate and the standard fees applicable to that loan. It avoids consumers being misled by lenders advertising a lower interest rate but charging high fees to compensate for the low rate.
1 LVR means "Loan to Value Ratio". It is the amount of your loan divided by the valuation of your property, calculated as a percentage. For example, if you apply for a loan of $400,000, which will be secured by a property valued at $500,000, your LVR is 80%.
2 Rates shown apply to new eligible Owner Occupieda or Investmentb home loans only, loan limits may apply depending on your product (refer to the product page) and at least one applicant is on PAYG employment. 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 our online Internet Access portal or by contacting customer service. Terms, conditions, and eligibility criteria apply.
(a) Owner Occupied rates apply where the security property is occupied, or intended to be occupied, by at least one borrower as their principal place of residence. Eligibility, terms and conditions apply.
(b) Investment rates apply where the loan is for investment purposes and the security property is not occupied by a borrower as their principal place of residence. Eligibility, terms and conditions apply.
3Third party costs reasonably incurred in providing this service may include legal, custodian, mortgage management, land registry and electronic processing fees. These costs may vary and are payable by the applicant.
4Disbursements may also be payable.
5Discharge fee is waived if loan reaches full term as per the loan agreement.
6The break cost fee varies based on several factors, including the number of days left on the fixed rate period, the amount the market rate has moved, the outstanding loan amount and remaining cash flows. Refer to Fact Sheet: Break Cost to find out more.
^ 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.
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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