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Homestar Finance home loans

4 home loans with 24 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.

The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Compare all 311 home loans

  1. Star Classic54 variants moved in both directions
    Variable · P&I · Owner-occupier · ≤70% LVR6.086.23+0.15
    Variable · P&I · Owner-occupier · 70–80% LVR6.186.33+0.15
    Variable · P&I · Investor · ≤70% LVR6.416.46+0.05
    Variable · Interest Only · Owner-occupier · ≤70% LVR6.486.43−0.05
    Variable · Interest Only · Owner-occupier · 70–80% LVR6.586.53−0.05
    Variable · P&I · Investor · 70–80% LVR6.516.53+0.02
    Variable · Interest Only · Investor · ≤70% LVR6.816.66−0.15
    Variable · Interest Only · Investor · 70–80% LVR6.916.76−0.15
    Variable · P&I · Owner-occupier · 85–90% LVR6.686.83+0.15
    Variable · P&I · Owner-occupier · 80–85% LVR6.436.83+0.40
    Variable · P&I · Investor · 80–85% LVR6.767.03+0.27
    Variable · P&I · Investor · 85–90% LVR7.017.06+0.05
    Variable · Interest Only · Investor · 80–85% LVR7.167.23+0.07
    Variable · P&I · Owner-occupier · 90–95% LVR7.087.23+0.15
    Variable · Interest Only · Investor · 85–90% LVR7.417.26−0.15
    3yr Fixed · P&I · Owner-occupier · ≤70% LVR6.626.58−0.04
    2yr Fixed · P&I · Owner-occupier · ≤70% LVR6.586.48−0.10
    5yr Fixed · P&I · Owner-occupier · ≤70% LVR6.746.77+0.03
    1yr Fixed · P&I · Owner-occupier · ≤70% LVR6.536.36−0.17
    Variable · P&I · Investor · 90–95% LVR7.417.46+0.05
    4yr Fixed · P&I · Owner-occupier · ≤70% LVR6.706.68−0.02
    3yr Fixed · P&I · Owner-occupier · 70–80% LVR6.476.68+0.21
    2yr Fixed · P&I · Owner-occupier · 70–80% LVR6.396.58+0.19
    5yr Fixed · P&I · Owner-occupier · 70–80% LVR6.656.87+0.22
    1yr Fixed · P&I · Owner-occupier · 70–80% LVR6.306.46+0.16
    4yr Fixed · P&I · Owner-occupier · 70–80% LVR6.586.78+0.20
    2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.696.68−0.01
    1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.606.56−0.04
    3yr Fixed · P&I · Investor · ≤70% LVR6.676.82+0.15
    2yr Fixed · P&I · Investor · ≤70% LVR6.596.71+0.12
    5yr Fixed · P&I · Investor · ≤70% LVR6.867.01+0.15
    4yr Fixed · P&I · Investor · ≤70% LVR6.786.92+0.14
    3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.776.78+0.01
    1yr Fixed · P&I · Investor · ≤70% LVR6.506.59+0.09
    5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.966.97+0.01
    4yr Fixed · P&I · Investor · 70–80% LVR6.887.02+0.14
    2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.796.78−0.01
    2yr Fixed · P&I · Investor · 70–80% LVR6.696.81+0.12
    5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR7.067.07+0.01
    1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.706.66−0.04
    1yr Fixed · P&I · Investor · 70–80% LVR6.606.69+0.09
    3yr Fixed · P&I · Investor · 70–80% LVR6.776.92+0.15
    5yr Fixed · P&I · Investor · 70–80% LVR6.967.11+0.15
    3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.876.88+0.01
    5yr Fixed · Interest Only · Investor · ≤70% LVR7.267.21−0.05
    3yr Fixed · Interest Only · Investor · ≤70% LVR7.077.02−0.05
    4yr Fixed · Interest Only · Investor · ≤70% LVR7.197.12−0.07
    1yr Fixed · Interest Only · Investor · ≤70% LVR6.906.79−0.11
    2yr Fixed · Interest Only · Investor · ≤70% LVR6.996.91−0.08
    1yr Fixed · Interest Only · Investor · 70–80% LVR7.006.89−0.11
    2yr Fixed · Interest Only · Investor · 70–80% LVR7.097.01−0.08
    4yr Fixed · Interest Only · Investor · 70–80% LVR7.297.22−0.07
    3yr Fixed · Interest Only · Investor · 70–80% LVR7.187.12−0.06
    5yr Fixed · Interest Only · Investor · 70–80% LVR7.377.31−0.06
    −0.17 to +0.40
  2. Star Choice3 variants up 0.09 to 0.217 days after the RBA rise to 4.60%
    All Variable · P&I
    Owner-occupier · ≤85% LVR6.326.51+0.19
    Investor · ≤85% LVR6.626.71+0.09
    Owner-occupier · 85–90% LVR6.606.81+0.21
    +0.09 to +0.21
  3. Star Essentials4 variants moved in both directions
    All Variable · Owner-occupier
    P&I · ≤70% LVR5.986.13+0.15
    P&I · 70–80% LVR6.086.23+0.15
    Interest Only · ≤70% LVR6.386.33−0.05
    Interest Only · 70–80% LVR6.486.43−0.05
    −0.05 to +0.15
  4. Star Nova2 variants cut 0.03
    All Variable · Interest Only · Owner-occupier
    ≤70% LVR6.466.43−0.03
    70–80% LVR6.566.53−0.03
    −0.03

Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.

Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report

Notes on Homestar Finance home loans

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As of 15 October 2026, Homestar Finance has four home loan products in 71 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.23% (Star Essentials), ranking 11th of 91 variable owner-occupier P&I loans and sitting 0.31 points below the market average of 6.54%. Its rates last moved on 11 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.