Hit a six with your
home loan
Settle a Home loan with Homestar Finance and we will re-imburse your BBL 13 membership costs6
Home Loan Rates starting from
Hit a six with your
5.74
% p.a.1,2
Variable & comparison rate
Principal & interest
Zero fees*
Who is Homestar Finance?
Providing Australians with affordable home loans, making the property dreams of Aussies come true since 2004
With long-standing industry recognition for our personalised service, affordable home loan rates and a smoother, faster application process, Homestar Finance takes the hassle out of the money side of home ownership.
Our relationship with the Sydney Thunder Cricket Team is part of our ongoing commitment to support and give back to the Australian community.
The Thunder Nation
Through a variety of initiatives and programs, Sydney Thunder strives to grow the game of cricket whilst being a leader in community engagement. With a widely recognised and respected brand, Sydney Thunder firmly believes that sport has a unique opportunity to make real, positive change in society.
Each initiative and program that Sydney Thunder delivers in the community inspires participants and makes a real difference to all involved. Underpinning Sydney Thunder’s work in the community is a focus on inclusiveness, ensuring cricket is a sport for all.
Through these initiatives and programs, Sydney Thunder is connecting with communities all around the world and making a sustainable difference.
“The Thunder Nation’s work behind the game in the local community is a big part of what we will be focusing our support on. We are taking our community support to a greater level.”
Ilias Pavlopoulos
COO, Homestar Finance
A personalised service just for you
A personalised service just for you
- You will enjoy one on one service from your dedicated loan specialist who will be with you throughout your home loan journey with Homestar Finance.
- We will arrange an appointment time which is suitable to you to meet with your loan specialist and they will tailor you a home loan that meets your needs.
- From there you can choose to have them guide you through the application form, or you can decide to fill it in after the call. The choice is yours, but at all times your loan specialist is on hand to assist you.
- Your Loan Specialist will ensure you are always kept up to date as to how your application is processing.
- When it comes to settlement we have a dedicated team of experts to ensure this happens smoothly whilst the whole time your loan specialist will be on hand to ensure you kept up to date and answer any questions you may have.
Mozo Experts Choice Award 2023
Investor Home Loan
Canstar Outstanding Value Home Loan Awards 2022
Home Lender
Variable Home Lender
Investment Variable Home Lender
Canstar Outstanding Value Home Loan Awards 2021
Variable Home Lender
Investment Variable Home Lender
We’re an
award-winning lender
Our award-winning home loans are customised to meet your needs. So you don’t have to pay for home loan features you won’t use. Your dedicated loan specialist will help you tailor a solution for you and help you decide what features you do and don’t need.
Mozo Experts Choice Award 2023
Investor Home Loan
Canstar Outstanding Value Home Loan Awards 2022
Home Lender
Variable Home Lender
Investment Variable Home Lender
Canstar Outstanding Value Home Loan Awards 2021
Variable Home Lender
Investment Variable Home Lender
Calculate how much a Homestar Star Gold Home loan could save you?
Take advantage of our Home Loan Comparison Calculator and see how your current home loan stacks up against our No Fee Star Gold Home Loan
Did you know making fortnightly repayments on your home loan over monthly can save you interest and time. Give it a go and see for yourself
Choose the features you want
Our dedicated team of loan specialists will help build an affordable home loan solution for you.
Visa Debit Card
- Access your cash wherever VISA’s accepted
- No fees for card set-up or usage.
- Free cash withdrawals from major bank ATMs.
Offset Facility
- Reduces your mortgage’s principal balance, lowering interest while keeping funds accessible.
- Up to 4 accounts for savings & daily transactions flexibility.
Extra Repayments
- Pick weekly, fortnightly, or monthly repayments based on your needs.
- Unlimited extra payments on our Variable Home Loans to clear your loan quicker.
Online access
- Homestar Finance offers a real-time online platform for easy info access.
- Check transactions & balances in one spot.
- Use BPAY for bills & manage your salary credits/debits.
Multiple loan splits available
- Split your home loan into 4 parts. E.g., one for the original mortgage, another for renovations.
- Divide your loan: part on a flexible variable rate, part fixed for stable monthly repayments.
Visa Debit Card
- Access your cash wherever VISA’s accepted
- No fees for card set-up or usage.
- Free cash withdrawals from major bank ATMs.
Offset Facility
- Reduces your mortgage’s principal balance, lowering interest while keeping funds accessible.
- Up to 4 accounts for savings and daily transactions flexibility.
Extra Repayments
- Pick weekly, fortnightly, or monthly repayments based on your needs.
- Unlimited extra payments on our Variable Home Loans to clear your loan quicker.
Online access
- Homestar Finance offers a real-time online platform for easy info access.
- Check transactions and balances in one spot.
- Use BPAY for bills and manage your salary credits/debits.
Multiple loan splits available
- Split your home loan into 4 parts. E.g., one for the original mortgage, another for renovations.
- Divide your loan: part on a flexible variable rate, part fixed for stable monthly repayments.
Visa Debit Card
- Access your cash wherever VISA’s accepted
- No fees for card set-up or usage.
- Free cash withdrawals from major bank ATMs.
Offset Facility
- Reduces your mortgage’s principal balance, lowering interest while keeping funds accessible.
- Up to 4 accounts for savings and daily transactions flexibility.
Extra Repayments
- Pick weekly, fortnightly, or monthly repayments based on your needs.
- Unlimited extra payments on our Variable Home Loans to clear your loan quicker.
Online access
- Homestar Finance offers a real-time online platform for easy info access.
- Check transactions and balances in one spot.
- Use BPAY for bills and manage your salary credits/debits.
Multiple loan splits available
- Split your home loan into 4 parts. E.g., one for the original mortgage, another for renovations.
- Divide your loan: part on a flexible variable rate, part fixed for stable monthly repayments.
Let’s get to know each other!
More than transactions, we value connections. Our commitment is to stand beside you, understanding your needs, and curating a home loan package that echoes your unique circumstances. With Homestar Finance, it’s always a shared journey towards realizing your dream home.
Zero Fees!*
Say “No” to additional lending fees! Why pay more when you don’t have to? Benefit from our straightforward lending process, free from application, monthly, and ongoing charges.
Here at Homestar Finance, we provide you with an uncomplicated and affordable lending experience.
View all fees
| Star Gold | |
| Principal & Interest | |
| Application Fee | $0 |
| Annual / Monthly Fee | $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) | $0 |
| Legal Preparation Fee | $0 |
| Fixed Rate Lock in Fee (optional) |
$0 |
| Settlement Fees | $0 |
| PEXA Fee | $66.333,4 |
| Government Charges | At Cost3,4 |
| Disbursements (including title search fees) | $1503,4 |
| Discharge Fee | $5355 |
Understanding your home loan
Take a deep dive about your home loan and be more prepared for your next step!
We are always here to guide you on your next investment journey.
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 Lenders Mortgage Insurance (LMI)?
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
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.
Let’s get to know each other!
Talk to us about your home loan needs and we will package up a home loan with the features you want and tailor the rate to your circumstance.
What is Mortgage Prison and How Do You Avoid It?
Interest rates are continually trending upwards in Australia and mortgage holders are feeling the pinch. What’s worse, rising costs of living and tighter lending criteria can see you trapped…
Our disclaimers
*Refer to our fees table. Disbursement cost and Government charges still apply. 1 Rates shown apply to new eligible Owner Occupied home loans only, up to 70% LVR, loan amounts minimum of $250,000 and up to $3,500,000 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 Finance 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 $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.
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 payable.
5Discharge fee is waived if loan reaches full term as per the loan agreement.
6Maximum re-imbursements costs will be $324.
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 23rd March, 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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