At a glance
- Variable (owner occ. P&I)
- 6.23%6.23% comparison
- Variable (investor P&I)
- 6.43%
- Fixed
- 1 yr 7.43%, 2 yrs 7.43%, 3 yrs 7.43%, 4 yrs 7.43%, 5 yrs 7.43%
- Max LVR
- 95%
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.33% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions | 40th lowest of 102, level with 2 others |
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.53% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 81 institutions | 78th lowest of 81 |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.53% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.59%of 83 institutions | 78th lowest of 83 |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.53% | 6.09%Border Bank's Customs Value Home Loan | 6.69%of 79 institutions | 74th lowest of 79 |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.53% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.79%of 62 institutions | 56th lowest of 62 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.53% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.58%of 102 institutions | 43rd lowest of 102 |
Rates
Every rate Homestar Finance publishes for this home loan, 56 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.36%6.33%
- 1 yr fixedtypical 6.59%7.53%
- 2 yrs fixedtypical 6.59%7.53%
- 3 yrs fixedtypical 6.69%7.53%
- 4 yrs fixed7.53%
- 5 yrs fixedtypical 6.79%7.53%
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤70%6.23%
- 70–80%6.33%
- 80–85%6.83%
- 85–90%6.83%
- 90–95%7.23%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, Interest only | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 6.79% | - |
| Fixed | Investment, Interest only | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 7.93% | 6.89% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 6.91% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.93% | 7.01% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.02% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.93% | 7.12% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.12% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.93% | 7.22% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.83% | 7.21% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.93% | 7.31% | - |
| Fixed | Investment, P&I | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 6.59% | - |
| Fixed | Investment, P&I | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 7.73% | 6.69% | - |
| Fixed | Investment, P&I | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 6.71% | - |
| Fixed | Investment, P&I | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.73% | 6.81% | - |
| Fixed | Investment, P&I | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 6.82% | - |
| Fixed | Investment, P&I | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.73% | 6.92% | - |
| Fixed | Investment, P&I | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 6.92% | - |
| Fixed | Investment, P&I | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.73% | 7.02% | - |
| Fixed | Investment, P&I | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 7.01% | - |
| Fixed | Investment, P&I | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.73% | 7.11% | - |
| Fixed | Owner occupied, Interest only | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 6.56% | - |
| Fixed | Owner occupied, Interest only | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 7.73% | 6.66% | - |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 6.68% | - |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.73% | 6.78% | - |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 6.78% | - |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.73% | 6.88% | - |
| Fixed | Owner occupied, Interest only | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 6.88% | - |
| Fixed | Owner occupied, Interest only | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.73% | 6.98% | - |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.63% | 6.97% | - |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.73% | 7.07% | - |
| Fixed | Owner occupied, P&I | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 7.43% | 6.36% | - |
| Fixed | Owner occupied, P&I | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 7.53% | 6.46% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.43% | 6.48% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.53% | 6.58% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.43% | 6.58% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.53% | 6.68% | - |
| Fixed | Owner occupied, P&I | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.43% | 6.68% | - |
| Fixed | Owner occupied, P&I | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.53% | 6.78% | - |
| Fixed | Owner occupied, P&I | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 7.43% | 6.77% | - |
| Fixed | Owner occupied, P&I | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 7.53% | 6.87% | - |
| Variable | Investment, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 6.63% | 6.66% | - |
| Variable | Investment, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 6.73% | 6.76% | - |
| Variable | Investment, Interest only | - | 80–85% LVR, $50,000–$3,000,000 | 7.23% | 7.23% | - |
| Variable | Investment, Interest only | - | 85–90% LVR, $50,000–$3,000,000 | 7.23% | 7.26% | - |
| Variable | Investment, P&I | - | ≤70% LVR, $50,000–$3,500,000 | 6.43% | 6.46% | - |
| Variable | Investment, P&I | - | 70–80% LVR, $50,000–$3,500,000 | 6.53% | 6.53% | - |
| Variable | Investment, P&I | - | 80–85% LVR, $50,000–$3,000,000 | 7.03% | 7.03% | - |
| Variable | Investment, P&I | - | 85–90% LVR, $50,000–$3,000,000 | 7.03% | 7.06% | - |
| Variable | Investment, P&I | - | 90–95% LVR, $50,000–$2,000,000 | 7.43% | 7.46% | - |
| Variable | Owner occupied, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 6.43% | 6.43% | - |
| Variable | Owner occupied, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 6.53% | 6.53% | - |
| Variable | Owner occupied, P&I | - | ≤70% LVR, $50,000–$3,500,000 | 6.23% | 6.23% | - |
| Variable | Owner occupied, P&I | - | 70–80% LVR, $50,000–$3,500,000 | 6.33% | 6.33% | - |
| Variable | Owner occupied, P&I | - | 80–85% LVR, $50,000–$3,000,000 | 6.83% | 6.83% | - |
| Variable | Owner occupied, P&I | - | 85–90% LVR, $50,000–$3,000,000 | 6.83% | 6.83% | - |
| Variable | Owner occupied, P&I | - | 90–95% LVR, $50,000–$2,000,000 | 7.23% | 7.23% | - |
Rate changes
56 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 11 Oct 2026 | Fixed, Investment, Interest only, 1 yr fixed, ≤70% LVR, $50,000–$3,500,000 | 7.68% | 7.83% | up 0.15 |
| 11 Oct 2026 | Fixed, Investment, Interest only, 1 yr fixed, 70–80% LVR, $50,000–$3,500,000 | 7.78% | 7.93% | up 0.15 |
| 11 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.68% | 7.83% | up 0.15 |
| 11 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.78% | 7.93% | up 0.15 |
| 11 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.68% | 7.83% | up 0.15 |
| 11 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.78% | 7.93% | up 0.15 |
| 11 Oct 2026 | Fixed, Investment, Interest only, 4 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.78% | 7.83% | up 0.05 |
| 11 Oct 2026 | Fixed, Investment, Interest only, 4 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.88% | 7.93% | up 0.05 |
| 11 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.78% | 7.83% | up 0.05 |
| 11 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.88% | 7.93% | up 0.05 |
| 11 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed, ≤70% LVR, $50,000–$3,500,000 | 7.28% | 7.63% | up 0.35 |
| 11 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed, 70–80% LVR, $50,000–$3,500,000 | 7.38% | 7.73% | up 0.35 |
| 11 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.28% | 7.63% | up 0.35 |
| 11 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.38% | 7.73% | up 0.35 |
| 11 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.28% | 7.63% | up 0.35 |
| 11 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.38% | 7.73% | up 0.35 |
| 11 Oct 2026 | Fixed, Investment, P&I, 4 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.38% | 7.63% | up 0.25 |
| 11 Oct 2026 | Fixed, Investment, P&I, 4 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.48% | 7.73% | up 0.25 |
| 11 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.38% | 7.63% | up 0.25 |
| 11 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.48% | 7.73% | up 0.25 |
| 11 Oct 2026 | Fixed, Owner occupied, Interest only, 1 yr fixed, ≤70% LVR, $50,000–$3,500,000 | 7.38% | 7.63% | up 0.25 |
| 11 Oct 2026 | Fixed, Owner occupied, Interest only, 1 yr fixed, 70–80% LVR, $50,000–$3,500,000 | 7.48% | 7.73% | up 0.25 |
| 11 Oct 2026 | Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.38% | 7.63% | up 0.25 |
| 11 Oct 2026 | Fixed, Owner occupied, Interest only, 2 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.48% | 7.73% | up 0.25 |
| 11 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.38% | 7.63% | up 0.25 |
| 11 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.48% | 7.73% | up 0.25 |
| 11 Oct 2026 | Fixed, Owner occupied, Interest only, 4 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.48% | 7.63% | up 0.15 |
| 11 Oct 2026 | Fixed, Owner occupied, Interest only, 4 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.58% | 7.73% | up 0.15 |
| 11 Oct 2026 | Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.48% | 7.63% | up 0.15 |
| 11 Oct 2026 | Fixed, Owner occupied, Interest only, 5 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.58% | 7.73% | up 0.15 |
| 11 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed, ≤70% LVR, $50,000–$3,500,000 | 6.98% | 7.43% | up 0.45 |
| 11 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed, 70–80% LVR, $50,000–$3,500,000 | 7.08% | 7.53% | up 0.45 |
| 11 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 6.98% | 7.43% | up 0.45 |
| 11 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.08% | 7.53% | up 0.45 |
| 11 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 6.98% | 7.43% | up 0.45 |
| 11 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.08% | 7.53% | up 0.45 |
| 11 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.08% | 7.43% | up 0.35 |
| 11 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.18% | 7.53% | up 0.35 |
| 11 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, ≤70% LVR, $50,000–$3,500,000 | 7.08% | 7.43% | up 0.35 |
| 11 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, 70–80% LVR, $50,000–$3,500,000 | 7.18% | 7.53% | up 0.35 |
| 11 Oct 2026 | Variable, Investment, Interest only, ≤70% LVR, $50,000–$3,500,000 | 6.78% | 6.63% | down 0.15 |
| 11 Oct 2026 | Variable, Investment, Interest only, 70–80% LVR, $50,000–$3,500,000 | 6.88% | 6.73% | down 0.15 |
| 11 Oct 2026 | Variable, Investment, Interest only, 80–85% LVR, $50,000–$3,000,000 | 7.13% | 7.23% | up 0.10 |
| 11 Oct 2026 | Variable, Investment, Interest only, 85–90% LVR, $50,000–$3,000,000 | 7.38% | 7.23% | down 0.15 |
| 11 Oct 2026 | Variable, Investment, P&I, ≤70% LVR, $50,000–$3,500,000 | 6.38% | 6.43% | up 0.05 |
| 11 Oct 2026 | Variable, Investment, P&I, 70–80% LVR, $50,000–$3,500,000 | 6.48% | 6.53% | up 0.05 |
| 11 Oct 2026 | Variable, Investment, P&I, 80–85% LVR, $50,000–$3,000,000 | 6.73% | 7.03% | up 0.30 |
| 11 Oct 2026 | Variable, Investment, P&I, 85–90% LVR, $50,000–$3,000,000 | 6.98% | 7.03% | up 0.05 |
| 11 Oct 2026 | Variable, Investment, P&I, 90–95% LVR, $50,000–$2,000,000 | 7.38% | 7.43% | up 0.05 |
| 11 Oct 2026 | Variable, Owner occupied, Interest only, ≤70% LVR, $50,000–$3,500,000 | 6.48% | 6.43% | down 0.05 |
| 11 Oct 2026 | Variable, Owner occupied, Interest only, 70–80% LVR, $50,000–$3,500,000 | 6.58% | 6.53% | down 0.05 |
| 11 Oct 2026 | Variable, Owner occupied, P&I, ≤70% LVR, $50,000–$3,500,000 | 6.08% | 6.23% | up 0.15 |
| 11 Oct 2026 | Variable, Owner occupied, P&I, 70–80% LVR, $50,000–$3,500,000 | 6.18% | 6.33% | up 0.15 |
| 11 Oct 2026 | Variable, Owner occupied, P&I, 80–85% LVR, $50,000–$3,000,000 | 6.43% | 6.83% | up 0.40 |
| 11 Oct 2026 | Variable, Owner occupied, P&I, 85–90% LVR, $50,000–$3,000,000 | 6.68% | 6.83% | up 0.15 |
| 11 Oct 2026 | Variable, Owner occupied, P&I, 90–95% LVR, $50,000–$2,000,000 | 7.08% | 7.23% | up 0.15 |
Each change is logged the night it appears in the rates Homestar Finance Pty Ltd publishes. See how every lender answered the RBA on the rate tracker.
Fees
37 fees published, grouped by when they're charged.
- When you take it outUp to $39534 fees, each listed below
- While you hold itNo fee published
- When you close it or pay it off$595Discharge Administration Fee
When you take it out34
- Lenders Protection Fee
This fee is applicable to loans with an LVR from 80% to 81% for Investment properties
1.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 94% to 95%for Owner Occupied properties.
5.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 81% to 82% for Investment properties
1.75% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 90% to 91% for Owner Occupied properties.
4.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 92% to 93% for Owner Occupied properties.
5.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 89% to 90% for Investment properties
3.75% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 84% to 85% for Investment properties
2.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 82% to 83% for Owner Occupied properties.
1.75% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 82% to 83% for Investment properties
2.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 88% to 89% for Investment properties
3.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 85% to 86% for Investment properties
2.75% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 87% to 88% for Investment properties
3.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 86% to 87% for Investment properties
3.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 81% to 82% for Owner Occupied properties.
1.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 90% to 91% for Investment properties
4.75% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 91% to 92% for Investment properties
5.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 93% to 94% for Investment properties
5.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 93% to 94% for Owner Occupied properties.
5.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 91% to 92% for Owner Occupied properties.
4.75% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 87% to 88% for Owner Occupied properties.
3.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 88% to 89% for Owner Occupied properties.
3.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 89% to 90% for Owner Occupied properties.
3.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 86% to 87% for Owner Occupied properties.
2.75% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 85% to 86% for Owner Occupied properties.
2.50% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 83% to 84% for Investment properties
2.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 84% to 85% for Owner Occupied properties.
2.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 83% to 84% for Owner Occupied properties.
2.00% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 80% to 81% for Owner Occupied properties.
1.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 92% to 93% for Investment properties
5.25% of balance - Lenders Protection Fee
This fee is applicable to loans with an LVR from 94% to 95% for Investment properties
5.75% of balance - Loan Settlement Fee
Applicable when loan purpose is Owner Occupied
No fee - Loan Settlement Fee
Applicable when loan purpose is Investment
$395 - 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 to $0 - Valuation Fee
Metro Locations under $1m - Construction Only
$244.20
When particular things happen2
- Loan Account Variation Fee
This fee is applicable for Standard Loans
$150 - Loan Facility Variation Fee
This fee is applicable for Standard Loans
$300
When you close it or pay it off1
- Discharge Administration Fee
This fee is applicable for Standard Loans
$595
Features
- Cash out
- Multiple loan splits
- Pay anyone, BPAY
- Flexible repayment options
Eligibility and limits
- Minimum age 18
- Residency: Customer is either an Australian Citizen or a Permanent Resident of Australia
- Available to individuals
- Maximum LVR 95%
- Minimum balance $50,000
- Customer provide sufficient security in accordance with our lending eligibility criteria
- Customer needs a guarantor who supports the loan also meets our lending eligibility criteria
- Customer meets our lending eligibility criteria
- Maximum Loan Term: 360 months
Compare it with others
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Published by Homestar Finance Pty Ltd under the Consumer Data Right, last changed by them on 10 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.