Homestar Finance Variable Rate Home Loan (Principal and Interest) (Amounts < $750k, LVR 70%-80%) | Review & Compare Home Loans

Summary
Features & Fees
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About

Cashback$900 cashback after your settlement

Advertised rate

3.54%

Variable

Comparison rate*

3.58%

Maximum LVR

80%

Real Time Rating™

monthly Repayment

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I want to borrow

Loan Term

years

Repayment Frequency

Monthly Fortnightly Weekly

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

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Fees and Features

Maximum LVR	Maximum LVR 80%
Interest rate structure	Interest rate structure Variable
Borrowing range	Borrowing range $150k - $750k Calculate how much you can borrow »
Total repayments	Total repayments $406,080 View repayment schedule »
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 Calculate how much you can borrow »
Total repayments	Total repayments $406,080 View repayment schedule »
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

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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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