At a glance
- Variable (investor P&I)
- 7.78%
- Max LVR
- 80%
- Annual fee
- $395
- Features
- offset, extra repayments
Rates
Every rate Homestar Finance publishes for this home loan, 24 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- Variabletypical 6.59%7.88%
- 1 yr fixed9.18%
- 2 yrs fixed9.18%
- 3 yrs fixed9.18%
- 4 yrs fixed9.18%
- 5 yrs fixed9.18%
Variable rate by LVR
Investment, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤70%7.78%
- 70–80%7.88%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, Interest only | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 9.28% | 8.49% | - |
| Fixed | Investment, Interest only | 1 yr fixed | 70–75% LVR, $50,000–$3,500,000 | 9.38% | 8.59% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 9.28% | 8.61% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.38% | 8.71% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 9.28% | 8.72% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.38% | 8.82% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | $1–$3,500,000 | 9.38% | 8.92% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 9.28% | 8.82% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 9.28% | 8.91% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.38% | 9.01% | - |
| Fixed | Investment, P&I | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 9.08% | 8.29% | - |
| Fixed | Investment, P&I | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 9.18% | 8.39% | - |
| Fixed | Investment, P&I | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 9.08% | 8.41% | - |
| Fixed | Investment, P&I | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.18% | 8.51% | - |
| Fixed | Investment, P&I | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 9.08% | 8.52% | - |
| Fixed | Investment, P&I | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.18% | 8.62% | - |
| Fixed | Investment, P&I | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 9.08% | 8.62% | - |
| Fixed | Investment, P&I | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.18% | 8.72% | - |
| Fixed | Investment, P&I | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 9.08% | 8.71% | - |
| Fixed | Investment, P&I | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.18% | 8.81% | - |
| Variable | Investment, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 7.98% | 8.00% | - |
| Variable | Investment, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 8.08% | 8.15% | - |
| Variable | Investment, P&I | - | ≤70% LVR, $50,000–$3,500,000 | 7.78% | 7.80% | - |
| Variable | Investment, P&I | - | 70–80% LVR, $50,000–$3,500,000 | 7.88% | 7.95% | - |
Fees
8 fees published, grouped by when they're charged.
- When you take it outUp to $2,5004 fees, each listed below
- While you hold it$395 a yearLender's Annual Facility Fee
- When you close it or pay it off$2,200Discharge Administration Fee
When you take it out4
- Fixed Rate Lock Fee
Optional
$495 - Third Party Costs
At Cost. This fee is applicable for SMSF Loans
No fee - Valuation Fee
This fee is applicable for SMSF Loans. Metro Locations under $1m or at cost
$244.20 - Valuation Fee
This fee is applicable for SMSF Loans. Commercial Only (approx. At Cost)
$2,500
While you hold it1
- Lender's Annual Facility Fee
Applicable only for Fixed Rates
$395 a year
When particular things happen2
- Loan Account Variation Fee
This fee is applicable for SMSF Loans
$250 - Loan Facility Variation Fee
This fee is applicable for SMSF Loans
$450
When you close it or pay it off1
- Discharge Administration Fee
This fee is applicable for SMSF Loans
$2,200
Features
- SMSF, Super contributions and rental income
- Flexible repayment options
Eligibility and limits
- Minimum age 18
- Residency: the members and directors of the SMSF are an Australian Citizen or a Permanent Resident of Australia
- Available to businesses
- Maximum LVR 80%
- Minimum balance $50,000
- meets our lending eligibility criteria
- must hold the legal interest in the security property on trust for the SMSF
- must meet all relevant legislative and associated regulation requirements to acquire the property & borrow from the Property Trustee in accordance with the Superannuation Industry (Supervision) Act 1…
- Customer must hold a beneficial interest in the security property
- provide sufficient security in accordance with our lending eligibility criteria; and/or a guarantor who supports the loan also meets our lending eligibility criteria.
- Maximum Loan Term: 360 months
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Published by Homestar Finance Pty Ltd under the Consumer Data Right, last changed by them on 6 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.