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Star Classic

Home loans packed with features, not fees.

Let’s explore your options

5.99
% p.a.
Interest rate2a
5.99
% p.a.
Comparison rate2a,^
6.39
% p.a.
Interest rate2b
6.42
% p.a.
Comparison rate2b,^

Great rates. Great savings. Great service.

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Market leading rates

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Up to 90% LVR

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Say goodbye to pesky fees

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Split loan into multiple portions

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Digital wallet and Visa Debit card

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Weekly, fortnightly or monthly repayments

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Flexible features

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Up to four free offset accounts

View our owner occupied or investment product brochure

Compare our competitive interest rates

Rates and fees

Check out our rates and consider your options.

Rates

Loan-to-Value Ratio1 Interest Rate2 Comparison Rate^
Variable - Up to 70% LVR1 5.99% p.a.2 5.99% p.a.^
Variable - Up to 80% LVR1 6.09% p.a.2 6.09% p.a.^
Variable – Up to 90% LVR1 6.54% p.a.2 6.54% p.a.^
Variable - Up to 80% LVR - P&I1 6.39% p.a.2 6.42% p.a.^
Variable - Up to 80% LVR - Interest only1 6.79% p.a.2 6.82% 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 internet banking 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
Application Fee $0 $0 $0 $0
Annual / Monthly Fee $0 $0 $0 $0
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) 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 $0 $0
Lenders Legal Preparation Fee $0 $0 $0 $0
Fixed Rate Lock in Fee (optional) $0 $4953,4 $0 $4953,4
Settlement fee $0 $3953,4 $3953,4 $3953,4
PEXA Fee $66.333,4 $66.333,4 $66.333,4 $66.333,4
Government Charges At Cost3,4 At Cost3,4 At Cost3,4 At Cost3,4
Disbursements (including title search fees) $1503,4 $1503,4 $1503,4 $1503,4
Discharge Fee $5955 $5955 $5955 $5955
Show more

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.

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If you meet certain criteria, you could be eligible for an extra speedy approval.

Get a better deal in 3 steps

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Home loan calculators

Wondering how much your repayments will be each month?
Our calculator can crunch the numbers for you.

Let's explore some of the options.

Enter loan amount
$
0

Loan purpose
Interest Rate
Your repayments could be:
$
res

Owner occupier, principal & interest, year loan term. Based on interest rate of 5.99%2a and comparison rate of 5.99%2a,^

Owner occupier, principal & interest, year loan term. Based on interest rate of 6.09%2a and comparison rate of 6.09%2a,^

Owner occupier, principal & interest, year loan term. Lenders Mortgage Insurance still to be applied. Based on interest rate of 6.54%2a and comparison rate of 6.54%2a,^

Investment home loan, principal & interest, year loan term. Based on interest rate of 6.39%2b and comparison rate of 6.42%2b,^

Investment home loan, interest only, year loan term. Based on interest rate of 6.79%2b and comparison rate of 6.82%2b,^

Ready to take the next step?
Our loan specialists are ready to help you.

Estimates only. Want to explore how this calculation works?

Learn more about how this calculator is computed

The results from this calculator should be used as an indication only. Repayment is principal and interest, or interest only, dependent on the product and based on a 30-year loan term. Changes in interest rates, repayment frequency and loan term will affect the repayment and savings amounts.

Fees and charges are payable. It's important to note that the calculations do not consider fees, charges or other amounts that may be charged to your loan. If you borrow more than 80% of the property's value, Lenders Mortgage Insurance may apply. Any additional amounts will increase the repayments and decrease the savings under the loan, so factoring them in is crucial.

Lending is to approved applicants only, and all lending is subject to a detailed credit assessment.

This is general information that does not take into account your objectives, financial situation, or needs. Before acting on it, consider the appropriateness of the information.

Calculate your repayments in more detail by visiting the link below.

Wondering how much you can borrow, how much stamp duty you be required to pay or how much you can save by refinance? Check out our range of handy calculators.

Frequently Asked Questions

What do I need to know before applying?

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 accounts, go ahead and read this article Offset Account FAQs – your top questions answered

Can I apply for a Homestar Finance home loan face-to-face with a lending specialist?

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. 

What is a comparison rate?

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. 

Get more than a better deal with Homestar Finance.

For great rates, great savings and great service, Homestar Finance has you covered. Fill in your details to connect with a dedicated lending specialist who will guide you through your purchase or refinancing options.

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    Our disclaimers

    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 internet banking or by contacting customer service. Terms, conditions, and eligibility criteria apply.

    3Third 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.

    4Disbursements may also be payable.

    5Discharge fee is waived if loan reaches full term as per the loan agreement.

    Other fees and charges may 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.

    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 21st June 2024 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.

    Registered to BPAY Pty Ltd ABN 69 079 137 518