Star Essentials Owner Occupied
Home Loan

We offer one of the lowest home loan rates for customers looking for an owner occupied home loan with just the essential features.

Canstar Outstanding Value, Home Lender

Our product features:

  • Redraw facility
  • Unlimited extra repayments
  • Internet Banking
  • Maximum LVR of 80%
  • PAYG borrowers only
  • Principal and Interest repayment only

Variable Rates From:

2.44% % % % % % %

2.44% % % % % % %

Interest rate p.a.1
(Principal and Interest)

2.47% % % % % % %

2.47% % % % % % %

Comparison rate p.a.1,2


Key Features

Variable Rate

Offset Account

Redraw Facility


Repayments (W, F, M)

(W, F, M)

Split Accounts

Extra Repayments

Debit ATM Card

Internet Banking



Loan Setup Fees

Variable Rate

Application Fee


Valuation Fee

(Minimum Amount – see below)

Legal Documentation Fee

(Minimum Amount – see below)

Fixed Rate Lock In fee (optional)



Government Charges and Search Fees

At Cost4,5

Verification of Identity Fee

(Minimum Amount – see below)



Key Features

Variable Rate

Monthly Account Fee


Annual Account Fee


Discharge Fee

(plus third party costs)4,5


Personal Details

Loan Information (optional)

* These are required fields

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 23 March 2020 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