Homestar Finance
Star Nova
Homestar Finance · residential mortgages
Provider last updated this product 2026-09-19.
Star Nova
As published by the lender
- Headline rates - from 5.93% to 6.68%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 6.23% | 6.26% | INVESTMENT | PRINCIPAL AND INTEREST | - | LVR up to 70%, $50,000 - $3,500,000 | calculated daily, paid monthly |
| VARIABLE | 5.93% | 5.93% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR up to 70%, $50,000 - $3,500,000 | calculated daily, paid monthly |
| VARIABLE | 6.33% | 6.33% | OWNER OCCUPIED | INTEREST ONLY | - | LVR up to 70%, $50,000 - $3,500,000 | calculated daily, paid monthly |
| VARIABLE | 5.98% | 5.98% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR 70% - 80%, $50,000 - $3,500,000 | calculated daily, paid monthly |
| VARIABLE | 6.68% | 6.71% | INVESTMENT | INTEREST ONLY | - | LVR 70% - 80%, $50,000 - $3,500,000 | calculated daily, paid monthly |
| VARIABLE | 6.63% | 6.66% | INVESTMENT | INTEREST ONLY | - | LVR up to 70%, $50,000 - $3,500,000 | calculated daily, paid monthly |
| VARIABLE | 6.38% | 6.38% | OWNER OCCUPIED | INTEREST ONLY | - | LVR 70% - 80%, $50,000 - $3,500,000 | calculated daily, paid monthly |
| VARIABLE | 6.28% | 6.31% | INVESTMENT | PRINCIPAL AND INTEREST | - | LVR 70% - 80%, $50,000 - $3,500,000 | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Loan Settlement Fee | UPFRONT | $395 | Applicable when loan purpose is Investment |
| Loan Settlement Fee | UPFRONT | $0 | Applicable when loan purpose is Owner Occupied |
| 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 |
| Third Party Costs | OTHER | - | At cost |
| 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) | 5.93% | 5.93% |
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
- Flexible repayment options
- Pay anyone, BPAY
- Cash out
Who can apply
- min age - 18Be at least 18 years of age and above
- residency status - Customer is either an Australian Citizen or a Permanent Resident of Australia
- natural personIndividual borrowers (as single or joint borrowers)
- otherHave a good credit history
- otherFull credit check
- otherYou have been repaying your home loan for 12 months
- otherPaying a higher interest rate and repayment somewhere else
- otherHave already at least 20% equity in your property
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: 2026-09-19T13:37:18.88522Z · Product ID: Star_Nova