6.13
%
p.a.
6.13
%
p.a.
Great rates. Great savings. Great service.
Market leading rates
Up to 80% LVR
Say goodbye to pesky fees
Save more without offset
Digital wallet and Visa Debit card
Weekly, fortnightly or monthly repayments
Flexible features
View our Star Essentials 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 60% LVR1 | 6.13% p.a.2 | 6.13% p.a.^ |
| Variable - Up to 70% LVR1 | 6.13% p.a.2 | 6.13% p.a.^ |
| Variable - Up to 80% LVR1 | 6.23% p.a.2 | 6.23% p.a.^ |
| Variable - Up to 60% LVR - Interest only1 | 6.33% p.a.2 | 6.33% p.a.^ |
| Variable - Up to 70% LVR - Interest only1 | 6.33% p.a.2 | 6.33% p.a.^ |
| Variable - Up to 80% LVR - Interest only1 | 6.43% p.a.2 | 6.43% 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 |
|---|---|---|---|---|
| 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* |
| 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 |
* Minimum cost covered; see details for properties over $1m.
- (i) Loan Account Variation fee may apply when changes are made to your loan account or its features (such as repayment frequency, loan structure, or linked accounts). Any applicable fees will be disclosed before the change is processed.
- (ii) Loan Facility Variation fee may apply if you request changes to your loan that alter its structure, terms, or risk profile. This can include changes such as increasing your loan amount, extending your loan term, adding or removing borrowers, or substituting the security property. These types of changes may require a reassessment of your loan. Any applicable fees will be disclosed to you before the variation is completed.
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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If you meet certain criteria, you could be eligible for an extra speedy approval.
Get a better deal in 3 steps
Talk to us about options
Our friendly team can help you find the right solution for your refinancing needs.
Apply in under 15 mins
Gather your documents to make the application as smooth as possible.
Get fast approval
If you meet certain criteria, you could be eligible for an extra speedy approval.
Eligibility criteria
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:
- be at least 18 years of age and above;
- are individual borrowers (as single or joint borrowers);
- is either an Australian Citizen or a Permanent Resident of Australia;
- meets our lending eligibility criteria;
- provide sufficient security in accordance with our lending eligibility criteria;
- and/or a guarantor who supports the loan also meets our lending eligibility criteria
Great customer service and competitive rates
Amazing service from the retention team, they were very efficient, fair and straight to the point. From the moment I first contacted them, to the last step of getting my rate updates in the system, everything was done and dusted within 10 days. I had a lot of queries, so I'm sure they would have done it in less than a week!Read more
by Sandra L. on 20/03/24
Cheap and cheerful home loans
We have been with Homestar for over 5 years now and we are very satisfied with their service. Rates are fantastic too. Some of the cheapest on the market for a full featured mortgage.
We are renovating and have had to top up our loan a few times and Homestar has always been easy to deal with.Read more
by Gabrielle G. on 14/11/24
Great Product and Customer Service
My dealing with Homestar has been exceptional from initial enquiry through to settlement whilst refinancing my SMSF property. By far the sharpest rate in the market with prompt and clear communication the entire way. Highly recommend this lender and SMSF mortgage product.Read more
by Jonathan M. on 14/11/24
John and Michel were fantastic- the entire process was smooth and both were very responsive
Beats any bank hands down. Their Service was top notch and thorough and helped me navigate my way around what could have been a challenging process give mine was spread between a Top Up and an investment loan. Read more
by Michael K. on 21/03/24
Great customer service
I've been a Homestar customer for a few years now, and recently requested a switch to a more competitive product. I've been impressed by the quality of the customer service (especially Regina from the Retentions team), and have had friendly & professional responses throughout the process. Importantly, the turnaround time has been super quick, with minimal time spent on hold / waiting for email responses. Read more
by Tom L. on 22/03/24
Home loan calculators
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.
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.
How is the Star Essentials Home Loan different from the Star Classic Home Loan?
The Star Essentials Home Loan does not include an offset account. Because it offers fewer features, we’re able to provide our lowest home loan rates on the Star Essentials Home Loan.
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.
26 February 2026
Homestar Finance Awarded Canstar Outstanding Value for Variable Home Lender for the Second Consecutive Year
Homestar Finance has been awarded the Canstar Outstanding Value Award for Variable Home Lender for the second year running, reflecting our continued commitment to delivering competitive home loan options for…
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 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. These costs are subject to Goods and Services Tax (GST) and quoted exclusive of GST.
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 6th Oct 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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