Home loan · Variable
Star Essentials
6.23%comparison rate p.a. · 6.23% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
11th of 91 variable owner-occupier P&I loans
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
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $595
- Variable · P&I · Owner-occupier · ≤70% LVR
- 6.13% comparison · 6.13% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.23% comparison · 6.23% advertised
- Variable · Interest Only · Owner-occupier · ≤70% LVR
- 6.33% comparison · 6.33% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.43% comparison · 6.43% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $595
- Valuation fee
- $244
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $50,000
- Maximum loan
- $3,500,000
- Star Essentials · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- Star Essentials4 variants moved in both directions−0.05 to +0.15All Variable · Owner-occupier
P&I · ≤70% LVR 5.98 6.13 +0.15 P&I · 70–80% LVR 6.08 6.23 +0.15 Interest Only · ≤70% LVR 6.38 6.33 −0.05 Interest Only · 70–80% LVR 6.48 6.43 −0.05
Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.
Also from Homestar Finance: Star Nova 6.33% · Star Classic 6.33% · Star Choice 6.51%
As of 15 October 2026, the Homestar Finance Star Essentials's variable owner-occupier P&I variant has a comparison rate of 6.23% (6.23% advertised), ranking 11th of 91 variable owner-occupier P&I loans and sitting 0.31 points below the market average of 6.54%. The product comes in 4 variants; the others are interest-only and other LVR bands. Its rate last moved on 7 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.