Star Essentials
Home LoansHomestar Finance
Star Essentials
- From (owner occupied)
- 5.98%
- 5.98% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 5.98% | 5.98% | Loan-to-Value Ratio (LVR)Loan amount |
| Variable | 6.08% | 6.08% | Loan-to-Value Ratio (LVR)Loan amount |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.38% | 6.38% | Loan-to-Value Ratio (LVR)Loan amount |
| Variable | 6.48% | 6.48% | Loan-to-Value Ratio (LVR)Loan amount |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 | $0.00 – $0.00 |
Features
- Cash out
- Multiple loan splits
- Pay anyone, BPAY and digital wallet payments
- Redraw facility
- Redraw
- Digital wallet — Digital Wallet
- Extra repayments
- Unlimited extra repayments
Eligibility
- 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
- Residency status — is either an Australian Citizen or a Permanent Resident of Australia
Constraints
- Minimum balance — $50,000.00Minimum loan amount $50,000 per security.
- Maximum balance — $3,500,000.00Maximum loan amount up to $3,500,000 per security.
- Maximum Loan Term: 360 months — 360
- Maximum LVR — 80%This loan has a maximum LVR of 80%.
Published by Homestar Finance Pty Ltd under the Consumer Data Right · Last updated 9 July 2026 · Product ID Star Essentials