At a glance
- Variable (owner occ. P&I)
- 6.23%6.23% comparison
- Variable (investor P&I)
- 6.43%
- Max LVR
- 80%
- 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 | 6.38%of 102 institutions | 39th lowest of 102, level with 2 others |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.53% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.59%of 102 institutions | 42nd lowest of 102 |
Rates
Every rate Homestar Finance publishes for this home loan, 8 in all.
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%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| 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, 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% | 6.56% | - |
| 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% | - |
Fees
8 fees published, grouped by when they're charged.
- When you take it outUp to $3954 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 out4
- 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
Other fees1
- Third Party Costs
At cost
From $0
Features
- Flexible repayment options
- Pay anyone, BPAY
- Cash out
Eligibility and limits
- Minimum age 18
- Residency: Customer is either an Australian Citizen or a Permanent Resident of Australia
- Available to individuals
- Maximum LVR 80%
- Minimum balance $50,000
- Have a good credit history
- Full credit check
- You have been repaying your home loan for 12 months
- Paying a higher interest rate and repayment somewhere else
- Have already at least 20% equity in your property
- 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 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.