Want to switch your home loan and save? Simple!
Apply online in as little as 15 minutes
For simple switch and save borrowers
5.93
%
p.a.
5.93
%
p.a.
6.23
%
p.a.
6.26
%
p.a.
Simpler
We’ve made it easy to move your home loan with a streamlined switching process that doesn’t require as much paperwork.
Faster
We can make quicker decisions online, with loan documents delivered to you as soon as 90 seconds after you’re approved.
Digital + human
Apply all the way online, but with human loan specialist help all the way, available on demand via phone or online LiveChat.
More value
Save with Homestar, an award-winning lender recognised for delivering Australians true value on their home loans.
Simpler
We’ve made it easy to move your home loan with a streamlined switching process that doesn’t require as much paperwork.
Faster
We can make quicker decisions online, with loan documents delivered to you as soon as 90 seconds after you’re approved.
Digital + human
Apply all the way online, but with human loan specialist help all the way, available on demand via phone or online LiveChat.
More value
Save with Homestar, an award-winning lender recognised for delivering Australians true value on their home loans.
What you get with a simple switch to Homestar Finance
When you switch your home loan to Homestar, you’ll get Homestar’s best value online home loan rate and our fully featured new home loan, Star Nova
Star Nova
UP TO 70% LVRVariable principal & interest
5.93
%
p.a.
5.93
%
p.a.
- Refinance only
- Variable rate
- Apply online with full human support
- Up to 70% LVR
- No Homestar upfront fees
- No ongoing fees
- Weekly, fortnightly or monthly repayments
- Free online redraws
- Offset facility and Visa Debit card
- Unrestricted extra repayments
- Pay anyone, BPAY® and digital wallet payments
Star Nova
UP TO 80% LVRVariable principal & interest
5.98
%
p.a.
5.98
%
p.a.
- Refinance only
- Variable rate
- Apply online with full human support
- Up to 80% LVR
- No Homestar upfront fees
- No ongoing fees
- Weekly, fortnightly or monthly repayments
- Free online redraws
- Offset facility and Visa Debit card
- Unrestricted extra repayments
- Pay anyone, BPAY® and digital wallet payments
Star Nova
UP TO 70% LVRVariable principal & interest
6.23
%
p.a.
6.26
%
p.a.
- Refinance only
- Variable rate
- Apply online with full human support
- Up to 70% LVR
- No Homestar upfront fees
- No ongoing fees
- Weekly, fortnightly or monthly repayments
- Free online redraws
- Offset facility and Visa Debit card
- Unrestricted extra repayments
- Pay anyone, BPAY® and digital wallet payments
Star Nova
UP TO 80% LVRVariable principal & interest
6.28
%
p.a.
6.31
%
p.a.
- Refinance only
- Variable rate
- Apply online with full human support
- Up to 80% LVR
- No Homestar upfront fees
- No ongoing fees
- Weekly, fortnightly or monthly repayments
- Free online redraws
- Offset facility and Visa Debit card
- Unrestricted extra repayments
- Pay anyone, BPAY® and digital wallet payments
View our simple switch and save product brochure
Rates and fees
Check out our rates and consider your options.
Rates |
||
|---|---|---|
| Loan-to-Value Ratio1 | Interest Rate2 | Comparison 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 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 | Investment Variable |
|---|---|---|
| Loan application fee | $0 | $0 |
| Loan Settlement Fee | $0 | $395 |
| Lenders Protection Fee (Loans above 80% LVR) | 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* | $244.20* |
| Loan Account Variation Fee | $150(i) | $150(i) |
| Loan Facility Variation Fee | $300(ii) | $300(ii) |
| Discharge Administration Fee | $5955 | $5955 |
| Fixed Rate Lock Fee | $0 | $0 |
* Minimum cost covered; see details for properties over $1m.
** A Lenders Protection Fee (LPF) applies where the LVR exceeds 80% (excluding the Star Choice product).
** A Lenders Protection Fee (LPF) applies where the LVR exceeds 80% (excluding the Star Choice product).
- (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.
Ready to switch?
Check your eligibility!
To switch and save your loan to Homestar, your home loan needs to tick a few boxes.
-
Have you been repaying your home loan for 12 months?
-
Are you paying a higher interest rate and repayment somewhere else?
-
Do you already have at least 20% equity in your property?
-
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!
More eligibility criteria for a Homestar’s switch and save
Additional switch and save criteria
Is applying online for...?
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.
(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.
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 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.
5 Discharge fee is waived if loan reaches full term as per the loan agreement. Other fees and charges may apply.
6 Homestar Finance Pty Ltd (Homestar) does not provide financial or investment advice. Advertised material does not take into account your objectives, financial circumstances or needs. Homestar recommends that you seek independent financial, legal and taxation advice before making a financial decision. The comparisons used in advertised material are based on the following assumptions:
- Borrowing amount of 600,000 for period of 30 years at a variable interest rate of 6.78%p.a. with an 80% LVR. This rate is sourced from Canstar’s average interest rates: Average Home Loan Interest Rates Australia | Canstar
- Savings are calculated by comparing the above with Homestar Finances borrowing amount of 600,000 for period of 30 years at a variable interest rate of 6.08%p.a. with an 80% LVR
- Exclusive of any fees or charges (including government duties) that may be charged based on average costs calculated on 8 May 2026 through publicly available and marketed sources
Any information provided in advertised material does not constitute an offer of credit and are exampled of what may be available to you. Advertised material does not take into account any product features or any applicable fees or charges. Homestar’s lending criteria and the basis upon which Homestar assesses what you are able to afford may change without notice.
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 [cgv product-page-disclaimer] 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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