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Variable Rate Home Loan (Principal and Interest) (Amounts < $750k, LVR 70%-80%)

Cashback$900 cashback after your settlement
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Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • Extra low interest rate for refinancers
  • No ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
Cons:
  • Discharge fee at end of loan
  • Repayments may increase if RBA raises rates

Fees and Features

Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$150k - $750k
Total repayments
Total repayments
$406,080
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$567.00
Application fee
Application fee
$0
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$303
Legal fee
Legal fee
$264
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$535
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$150k - $750k
Total repayments
Total repayments
$406,080
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$567.00
Application fee
Application fee
$0
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$303
Legal fee
Legal fee
$264
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$535
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount

Compare and review home loans with similar features

Loan Profile
Advertised rate
Advertised rate
3.57%
Variable
Advertised rate
3.59%
Variable
Advertised rate
3.69%
Variable
Advertised rate
3.68%
Variable
Comparison rate*
Comparison rate*
3.58%
Comparison rate*
3.62%
Comparison rate*
3.69%
Comparison rate*
3.70%
Monthly repayment
Monthly repayment
$1,132
Monthly repayment
$1,135
Monthly repayment
$1,149
Monthly repayment
$1,148
Total repayments
Total repayments
$407,520
Total repayments
$408,600
Total repayments
$413,640
Total repayments
$413,280
Minimum deposit %
Minimum deposit %
20%
Minimum deposit %
10%
Minimum deposit %
20%
Minimum deposit %
20%
Loan term
Loan term
15 - 30 years
Loan term
1 - 30 years
Loan term
15 - 30 years
Loan term
15 - 30 years
Refinance
Refinance
Refinance
Refinance
Refinance
Loan Fees
Estimated upfront fees
Estimated upfront fees
$0
Estimated upfront fees
$495.00
Estimated upfront fees
$1499.00
Estimated upfront fees
$0
Discharge fee
Discharge fee
$325
Discharge fee
$180
Discharge fee
$300
Discharge fee
$300
Application fee
Application fee
$0
Application fee
$495
Application fee
$1,499
Application fee
$0
Ongoing fee
Ongoing fee
$0
Ongoing fee
$350 annually
Ongoing fee
$0
Ongoing fee
$0
Interest Rate Options
Allows split interest
Allows split interest
Allows split interest
Allows split interest
Allows split interest
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Homestar Finance was established in 2004 and has an alliance with Origin Mortgage Management Services (Origin MMS). Homestar Finance home loans are backed by Australian and international mortgage funders.

Homestar Finance is an online-only home loans lender, which means it doesn’t have any branches or stores. However, it does provide access to a national network of loan specialists via the internet and over the phone.

Homestar Finance offers a limited range of home loans, including owner-occupier loans, investor loans and refinancing loans.

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