Homestar Finance
Star Essentials
Homestar Finance · residential mortgages
Provider last updated this product 2026-09-19.
Star Essentials
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 5.98% | 5.98% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR up to 70%, $50,000 - $3,500,000 | calculated daily, paid monthly |
| VARIABLE | 6.08% | 6.08% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR 70% - 80%, $50,000 - $3,500,000 | calculated daily, paid monthly |
| VARIABLE | 6.38% | 6.38% | OWNER OCCUPIED | INTEREST ONLY | - | LVR up to 70%, $50,000 - $3,500,000 | calculated daily, paid monthly |
| VARIABLE | 6.48% | 6.48% | OWNER OCCUPIED | INTEREST ONLY | - | LVR 70% - 80%, $50,000 - $3,500,000 | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Loan Facility Variation Fee | VARIATION | $300 | This fee is applicable for Standard Loans |
| Loan Account Variation Fee | VARIATION | $150 | This fee is applicable for Standard Loans |
| Discharge Administration Fee | EXIT | $595 | This fee is applicable for Standard Loans |
| Valuation Fee | UPFRONT | $244.20 | Metro Locations under $1m - Construction Only |
| Valuation Fee | UPFRONT | - | The minimum cost will be covered, any additional expenses incurred due to travel or properties greater than $1m in value may incur a fee |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 5.98% | 5.98% |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Cash out
- Multiple loan splits
- Pay anyone, BPAY
Who can apply
- residency status - Customer is either an Australian Citizen or a Permanent Resident of Australia
- otherCustomer provide sufficient security in accordance with our lending eligibility criteria
- natural personIndividual borrowers (as single or joint borrowers)
- min age - 18Customer must be at least 18 years of age and above
- otherCustomer needs a guarantor who supports the loan also meets our lending eligibility criteria
- otherCustomer meets our lending eligibility criteria
Limits
- min balance - 50000.00Minimum loan amount $50,000 per security.
- max balance - 3500000.00Maximum loan amount up to $3,500,000 per security.
- other - 360Maximum Loan Term: 360 months
- max lvr - 0.80This loan has a maximum LVR of 80%.
Last updated by data holder: 2026-09-19T13:38:05.668777Z · Product ID: Star_Essentials