Homestar Star Gold Variable home loan

Homestar’s Star Gold Variable home loan offers a low interest rate, minimal fees and a 100% offset account.

The Homestar Star Gold Variable home loan combines one of the market's lowest variable interest rates with a 100% offset account, flexible repayments and minimal fees.

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Review by

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification.

Expert review

This loan is a really good option for borrowers who have saved very large deposits because you need a 30% deposit to get it. Most borrowers in Australia don't have that much. That makes this loan well-suited to refinancers who have had their loans for a while. If you've built up 30% home equity, you can get this very low rate. A 100% offset account also makes this loan very useful if you need somewhere to put your savings and pay less interest.

About this loan

What are the features and benefits of the Homestar Star Gold Variable home loan?

  • You need a big deposit. With this loan, you can only borrow up to 70% of your property's value.
  • Loan amount. You can borrow up to $850,000, and your loan must be at least $250,000 in size.
  • Offset account. With a 100% offset account, this loan lets you save money in the account and offset your loan principal, meaning you can pay less interest while still having access to your cash.
  • Split and redraw. With this loan, you can split the loan up to four times into fixed and variable portions. You can also make extra repayments and then redraw them if needed.

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    Default Gravatar
    January 22, 2024

    Hi there,

    We are in the process of buying our next home and need advice on the best home loans and the best use of the money we have in the bank, i.e., if we should put every dollar into the next house or leave some in the bank.

    Also, how much do you charge?

    Kind regards,

      January 23, 2024

      Hi Olga,

      At Finder we are only licensed to provide general information and we can’t provide personalised financial advise. You could speak to a mortgage broker or financial advisor.

    Default Gravatar
    October 17, 2022

    I want to check if the homestar rate 3.99 includes all the RBA increases until today or there are any pending increases they still need to pass on?

      October 18, 2022

      Hi Vishal,

      Homestar advised that the interest rate does not include the RBA increase. The adjusted rates are expected to be released by next week.

      Kind regards,

    Default Gravatar
    August 25, 2021

    We would like to complete an application form for Homestar. Are we able to do this on line?

      September 9, 2021

      Hi Glenn,

      You can submit a Homestar home loan enquiry online through their website:

      Simply fill out the Home Loan Enquiry form then wait for one of their mortgage specialists to contact you via phone. The application process will usually be completed over the phone.

      You’ll be asked to provide information like your contact details, income, current credit obligations, available credit limits, etc. You can also contact Homestar at 1300 462 209 if you have specific questions.

      I hope this helps!


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