Home loan · Variable
Star Classic
Rate
Loan for
Repayments
Deposit
6.33%comparison rate p.a. · 6.33% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
24th of 91 variable owner-occupier P&I loans
The same choices at every rate type
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.
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $595
- Variable · P&I · Owner-occupier · ≤70% LVR
- 6.23% comparison · 6.23% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.33% comparison · 6.33% advertised
- Variable · P&I · Owner-occupier · 80–85% LVR
- 6.83% comparison · 6.83% advertised
- Variable · P&I · Owner-occupier · 85–90% LVR
- 6.83% comparison · 6.83% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 7.23% comparison · 7.23% advertised
- Variable · Interest Only · Owner-occupier · ≤70% LVR
- 6.43% comparison · 6.43% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.53% comparison · 6.53% advertised
- Variable · P&I · Investor · ≤70% LVR
- 6.46% comparison · 6.43% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.53% comparison · 6.53% advertised
- Variable · P&I · Investor · 80–85% LVR
- 7.03% comparison · 7.03% advertised
- Variable · P&I · Investor · 85–90% LVR
- 7.06% comparison · 7.03% advertised
- Variable · P&I · Investor · 90–95% LVR
- 7.46% comparison · 7.43% advertised
- Variable · Interest Only · Investor · ≤70% LVR
- 6.66% comparison · 6.63% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.76% comparison · 6.73% advertised
- Variable · Interest Only · Investor · 80–85% LVR
- 7.23% comparison · 7.23% advertised
- Variable · Interest Only · Investor · 85–90% LVR
- 7.26% comparison · 7.23% advertised
- 1yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 6.36% comparison · 7.43% advertised
- 1yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.46% comparison · 7.53% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 6.56% comparison · 7.63% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 6.66% comparison · 7.73% advertised
- 1yr Fixed · P&I · Investor · ≤70% LVR
- 6.59% comparison · 7.63% advertised
- 1yr Fixed · P&I · Investor · 70–80% LVR
- 6.69% comparison · 7.73% advertised
- 1yr Fixed · Interest Only · Investor · ≤70% LVR
- 6.79% comparison · 7.83% advertised
- 1yr Fixed · Interest Only · Investor · 70–80% LVR
- 6.89% comparison · 7.93% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 6.48% comparison · 7.43% advertised
- 2yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.58% comparison · 7.53% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 6.68% comparison · 7.63% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 6.78% comparison · 7.73% advertised
- 2yr Fixed · P&I · Investor · ≤70% LVR
- 6.71% comparison · 7.63% advertised
- 2yr Fixed · P&I · Investor · 70–80% LVR
- 6.81% comparison · 7.73% advertised
- 2yr Fixed · Interest Only · Investor · ≤70% LVR
- 6.91% comparison · 7.83% advertised
- 2yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.01% comparison · 7.93% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 6.58% comparison · 7.43% advertised
- 3yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.68% comparison · 7.53% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 6.78% comparison · 7.63% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 6.88% comparison · 7.73% advertised
- 3yr Fixed · P&I · Investor · ≤70% LVR
- 6.82% comparison · 7.63% advertised
- 3yr Fixed · P&I · Investor · 70–80% LVR
- 6.92% comparison · 7.73% advertised
- 3yr Fixed · Interest Only · Investor · ≤70% LVR
- 7.02% comparison · 7.83% advertised
- 3yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.12% comparison · 7.93% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 6.68% comparison · 7.43% advertised
- 4yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.78% comparison · 7.53% advertised
- 4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 6.88% comparison · 7.63% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 6.98% comparison · 7.73% advertised
- 4yr Fixed · P&I · Investor · ≤70% LVR
- 6.92% comparison · 7.63% advertised
- 4yr Fixed · P&I · Investor · 70–80% LVR
- 7.02% comparison · 7.73% advertised
- 4yr Fixed · Interest Only · Investor · ≤70% LVR
- 7.12% comparison · 7.83% advertised
- 4yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.22% comparison · 7.93% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 6.77% comparison · 7.43% advertised
- 5yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.87% comparison · 7.53% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 6.97% comparison · 7.63% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 7.07% comparison · 7.73% advertised
- 5yr Fixed · P&I · Investor · ≤70% LVR
- 7.01% comparison · 7.63% advertised
- 5yr Fixed · P&I · Investor · 70–80% LVR
- 7.11% comparison · 7.73% advertised
- 5yr Fixed · Interest Only · Investor · ≤70% LVR
- 7.21% comparison · 7.83% advertised
- 5yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.31% comparison · 7.93% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $595
- Valuation fee
- $244
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $50,000
- Maximum loan
- $3,500,000
- Star Classic · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- Star Classic54 variants moved in both directions−0.17 to +0.40
Variable · P&I · Owner-occupier · ≤70% LVR 6.08 6.23 +0.15 Variable · P&I · Owner-occupier · 70–80% LVR 6.18 6.33 +0.15 Variable · P&I · Owner-occupier · 80–85% LVR 6.43 6.83 +0.40 Variable · P&I · Owner-occupier · 85–90% LVR 6.68 6.83 +0.15 Variable · P&I · Owner-occupier · 90–95% LVR 7.08 7.23 +0.15 Variable · Interest Only · Owner-occupier · ≤70% LVR 6.48 6.43 −0.05 Variable · Interest Only · Owner-occupier · 70–80% LVR 6.58 6.53 −0.05 Variable · P&I · Investor · ≤70% LVR 6.41 6.46 +0.05 Variable · P&I · Investor · 70–80% LVR 6.51 6.53 +0.02 Variable · P&I · Investor · 80–85% LVR 6.76 7.03 +0.27 Variable · P&I · Investor · 85–90% LVR 7.01 7.06 +0.05 Variable · P&I · Investor · 90–95% LVR 7.41 7.46 +0.05 Variable · Interest Only · Investor · ≤70% LVR 6.81 6.66 −0.15 Variable · Interest Only · Investor · 70–80% LVR 6.91 6.76 −0.15 Variable · Interest Only · Investor · 80–85% LVR 7.16 7.23 +0.07 Variable · Interest Only · Investor · 85–90% LVR 7.41 7.26 −0.15 1yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.53 6.36 −0.17 1yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.30 6.46 +0.16 1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 6.60 6.56 −0.04 1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 6.70 6.66 −0.04 1yr Fixed · P&I · Investor · ≤70% LVR 6.50 6.59 +0.09 1yr Fixed · P&I · Investor · 70–80% LVR 6.60 6.69 +0.09 1yr Fixed · Interest Only · Investor · ≤70% LVR 6.90 6.79 −0.11 1yr Fixed · Interest Only · Investor · 70–80% LVR 7.00 6.89 −0.11 2yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.58 6.48 −0.10 2yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.39 6.58 +0.19 2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 6.69 6.68 −0.01 2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 6.79 6.78 −0.01 2yr Fixed · P&I · Investor · ≤70% LVR 6.59 6.71 +0.12 2yr Fixed · P&I · Investor · 70–80% LVR 6.69 6.81 +0.12 2yr Fixed · Interest Only · Investor · ≤70% LVR 6.99 6.91 −0.08 2yr Fixed · Interest Only · Investor · 70–80% LVR 7.09 7.01 −0.08 3yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.62 6.58 −0.04 3yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.47 6.68 +0.21 3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 6.77 6.78 +0.01 3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 6.87 6.88 +0.01 3yr Fixed · P&I · Investor · ≤70% LVR 6.67 6.82 +0.15 3yr Fixed · P&I · Investor · 70–80% LVR 6.77 6.92 +0.15 3yr Fixed · Interest Only · Investor · ≤70% LVR 7.07 7.02 −0.05 3yr Fixed · Interest Only · Investor · 70–80% LVR 7.18 7.12 −0.06 4yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.70 6.68 −0.02 4yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.58 6.78 +0.20 4yr Fixed · P&I · Investor · ≤70% LVR 6.78 6.92 +0.14 4yr Fixed · P&I · Investor · 70–80% LVR 6.88 7.02 +0.14 4yr Fixed · Interest Only · Investor · ≤70% LVR 7.19 7.12 −0.07 4yr Fixed · Interest Only · Investor · 70–80% LVR 7.29 7.22 −0.07 5yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.74 6.77 +0.03 5yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.65 6.87 +0.22 5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 6.96 6.97 +0.01 5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.06 7.07 +0.01 5yr Fixed · P&I · Investor · ≤70% LVR 6.86 7.01 +0.15 5yr Fixed · P&I · Investor · 70–80% LVR 6.96 7.11 +0.15 5yr Fixed · Interest Only · Investor · ≤70% LVR 7.26 7.21 −0.05 5yr Fixed · Interest Only · Investor · 70–80% LVR 7.37 7.31 −0.06
Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.
Also from Homestar Finance: Star Essentials 6.23% · Star Nova 6.33% · Star Choice 6.51%
As of 15 October 2026, the Homestar Finance Star Classic's variable owner-occupier P&I variant has a comparison rate of 6.33% (6.33% advertised), ranking 24th of 91 variable owner-occupier P&I loans and sitting 0.21 points below the market average of 6.54%. The product comes in 56 variants; the others are investor, interest-only, fixed-rate and other LVR bands. Its rate last moved on 11 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.