Star Choice
Home LoansHomestar Finance
Star Choice
- From (owner occupied)
- 6.58%
- 6.32% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.58% | 6.32% | Loan-to-Value Ratio (LVR)Loan amount |
| Variable | 7.08% | 6.6% | Loan-to-Value Ratio (LVR)Loan amount |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.88% | 6.62% | Loan-to-Value Ratio (LVR)Loan amount |
Fees
| Fee | Type | Amount |
|---|---|---|
| Loan Settlement Fee Applicable when loan purpose is Investment | Upfront | $395.00 |
| Loan Settlement Fee Applicable when loan purpose is Owner Occupied | Upfront | $0.00 |
| Loan Facility Variation Fee This fee is applicable for Standard Loans | Variation | $300.00 |
| Loan Account Variation Fee This fee is applicable for Standard Loans | Variation | $150.00 |
| Discharge Administration Fee This fee is applicable for Standard Loans | Exit | $595.00 |
| Valuation Fee Metro Locations under $1m - Construction Only | Upfront | $244.20 |
| Valuation Fee The minimum cost will be covered, any additional expenses incurred due to travel or properties greater than $1m in value may incur a fee | Upfront |
Features
- Cash out
- Multiple loan splits
- Pay anyone, BPAY and digital wallet payments
- Flexible repayment options
- Card access — Visa Debit card
- Redraw facility
- Redraw
- Digital wallet — Digital Wallet
- Extra repayments
- Unlimited extra repayments
Eligibility
- Residency status — is either an Australian Citizen or a Permanent Resident of Australia
- Minimum age — 18 yearsbe at least 18 years of age and above
- Individuals onlyare individual borrowers (as single or joint borrowers)
- meets our lending eligibility criteria
- provide sufficient security in accordance with our lending eligibility criteria
- a guarantor who supports the loan also meets our lending eligibility criteria.
Constraints
- Minimum balance — $50,000.00Minimum loan amount $50,000 per security.
- Maximum balance — $2,500,000.00Maximum loan amount up to $2,500,000 per security.
- Maximum Loan Term: 360 months — 360
- Maximum LVR — 90%This loan has a maximum LVR of 90%.
Published by Homestar Finance Pty Ltd under the Consumer Data Right · Last updated 9 July 2026 · Product ID Star Choice